In the UK’s competitive property landscape, the difference between a secured deal and a missed opportunity is the speed of your finance. At Sovereign Invest, we understand that professional developers don’t just need a lender, they need a strategic partner who understands the “value-add” cycle.

We specialise in providing high-leverage, short-term debt facilities for refurbishment, conversion and ground-up projects that traditional high-street banks often overlook.

Our UK Property Finance Products

1. Bridging Finance

Rapid liquidity for time-sensitive acquisitions.

• Auction purchases, broken chains or opportunistic acquisitions.

• Speed: Terms issued within 24 hours; funding in as little as 7–10 days.

• LTV: Up to 75% (higher with additional security).

2. Development & Refurbishment

Capital for ground-up builds and commercial-to-residential conversions.

• Heavy refurbishment, HMO conversions and new-build housing.

• Leverage: Up to 65% LTGDV (Loan to Gross Development Value) or 85% LTC (Loan to Cost).

• Flexibility: Interest roll-up options to preserve project cash flow.

3. Commercial Mortgages

Long-term stability for income-producing assets.

• Rental portfolios, office blocks, retail and industrial units.

• Focus: Competitive SME rates with flexible repayment profiles.

• Benefit: Efficient exit routes from bridging or development facilities.