Ultimate Finance
Specialist LenderUltimate Finance is a London-based specialist lender offering bridging finance and commercial lending for property investors and businesses. The lender provides a range of short-term funding solutions with a focus on flexibility and responsive service.
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About Ultimate Finance
Ultimate Finance is a specialist lender headquartered in London, providing bridging finance and commercial lending for property investors and businesses across the UK. The lender was established to offer a comprehensive range of short-term funding solutions under one roof. Ultimate Finance serves both the property and business lending markets, making it a versatile funding partner.
Ultimate Finance offers bridging loans for property acquisitions, refinances, and refurbishment projects, alongside invoice finance, asset-based lending, and other commercial products. The lender takes a flexible approach to underwriting and is known for its ability to structure creative funding solutions for complex scenarios. Ultimate Finance covers both residential and commercial property security.
Ultimate Finance works through broker partners and direct enquiries, maintaining a strong presence in the intermediary community. The lender has built a reputation for responsiveness and a willingness to find solutions where other lenders may decline. Ultimate Finance continues to expand its product range and lending capacity.
Lending Focus
Ultimate Finance offers mortgage products across 3 categories including Commercial, Bridging, Limited Company.
Key Features
- Bridging finance and commercial lending from one provider
- Flexible underwriting with creative structuring capability
- Accepts both direct and broker-introduced enquiries
- Covers residential and commercial property security
- Additional commercial products including invoice and asset finance
Pros & Cons
Pros
- Versatile lender covering bridging and commercial finance needs
- Creative approach to structuring complex funding solutions
- Accepts direct applications as well as broker referrals
- Responsive service with a willingness to find solutions
Cons
- –Breadth of products may mean less bridging-specific focus than pure specialists
- –No development finance for ground-up projects
- –Rates may be higher than lenders with a narrower, more competitive bridging focus
Fees & Charges
- Arrangement Fee
- Typically 2% of the loan amount
- Valuation Fee
- Varies by property value — quoted at application stage
- Early Repayment Charge
- No ERC on most bridging products
- Overpayment Allowance
- No restrictions — can repay at any time
Mortgage Rates
Rate data coming soon. View rates on Ultimate Finance
Application Process
- Processing Time
- 2–4 weeks from application to completion
- Online DIP
- No — via broker or branch
- Offer Valid For
- 6 weeks from date of offer
Lending Criteria
- Maximum LTV
- 75%
Frequently Asked Questions
Does Ultimate Finance only offer bridging loans?
Can I apply directly to Ultimate Finance?
Does Ultimate Finance lend on commercial property?
How quickly can Ultimate Finance complete a bridging loan?
How to Apply
Direct & broker access. Apply directly or via a broker for whole-of-market access. Find a broker
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Important: Your home may be repossessed if you do not keep up repayments on your mortgage. Information on this page is for general guidance only and does not constitute financial advice. Always verify lender details directly and seek independent advice before making financial decisions.