United Trust Bank

United Trust Bank is a bridging and development finance lender which provides products for commercial and private investors of almost any size and purpose

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Max term

125k - 15m

Min/Max Loan

1st & 2nd


As a provider of commercial and private finance products, United Trust Bank is one of the few bridging lenders that can truly meet the needs of any client. Because United Bank offers a wide array of product types to suit many different applications, it is able to create loan terms that suit each individual client and each individual project. This flexibility is key when operating in the bridging finance sector, as it enables businesses and investors to take advantage of favourable financial conditions to expand both quickly and sustainably.

United Trust Bank offers a range of loans which are regulated by the Financial Conduct Authority, enabling it to take owner-occupied property as security when creating a loan package. This is a highly valuable option for many borrowers as it enables them to free up capital for other purposes, and makes United Trust Bank the first port of call for many different clients. The highly specialised nature of United Bank’s lending products also enables them to offer bespoke finance for professionals, including accountants, architects, doctors and barristers. These forms of finance are ideally suited to providing high-performing clients with the flexibility and financial stability they need to maintain their profitability.

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United Trust Bank
One Ropemaker Street

+44 207 190 5555


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Frequently asked questions

What is a bridging loan?

A bridging loan is a short-term loan secured against property. It allows you or your business to “bridge a gap” until either longer-term finance can be arranged, or the underlying security or other assets can be sold.

What is a development finance used for?

Development finance can be offered against both residential and commercial property. Development loans are designed to help developers fund refurbishments, renovations, or conversions of existing property or to build brand new properties on a ground-up basis.

What are the key areas of development finance?

Development finance can be used for new build projects, commercial and residential developments, renovations, conversions or for the redevelopment of existing properties. Loans can be used for a vast range of different property types.

How do you determine exactly what type of development finance you need?

By assessing how extensive the project is, how long it is likely to take and how much it is likely to cost in a worst and indeed a best-case scenario. Refurbishment bridging loans will cover a majority of light and heavy refurbishment projects but for more extensive development projects including ground-up builds of one or indeed multiple units, development finance can potentially cover both the land purchase and build costs

How much can I borrow on a development finance loan?

Loans generally range from £25,000 to many millions depending on the size and complexity of the planned development. The amount that can be borrowed depends on the strength of the development proposition, the location, the potential profits, the perceived risks and of course ultimately on the lenders risk appetite.   

Is development finance more expensive than standard bridging loans?

Yes. Rates are generally a little higher for development finance which reflects the greater complexity and slightly higher risk associated with this form of lending.

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