Facility offers up to £5.5 million for experienced investors via UK and offshore SPVs
Specialist lender Cohort Capital has introduced a new unregulated residential bridging loan aimed at seasoned property investors and developers, with two initial transactions completed in central London totalling £6.65 million.
The UK-based lender is targeting loans between £1 million and £5.5 million through the product, which is available to both domestic special purpose vehicles (SPVs) and offshore entities. The facility offers loan terms of up to 18 months and loan-to-value (LTV) ratios reaching 70%. Borrowers can select between serviced and rolled-up interest, with pricing beginning at 0.79% for lower leverage deals.
The bridging product is available across major urban centres in England and Wales. It can be used for acquisitions, refinancing, equity release, development exits, or bridge-to-sale situations. Brokers introducing business can earn procuration fees ranging from 0.50% to 2%, based on the size of the loan.
Cohort’s launch coincides with a booming bridging lending market. Bridging loan completions rose to £2.3 billion in the fourth quarter of 2024, contributing to a 14.4% increase in overall loan books, now standing at £10.3 billion. Market forecasts suggest the UK bridging sector could reach £12.2 billion by the end of 2025, underlining growing investor demand and liquidity.
To mark the product launch, Cohort completed two loans: a £2.79 million equity release for a UK-based borrower, secured against a 2,275-square-foot Grade II listed property in central London, structured as an 18-month facility to fund light refurbishment before resale; and a £3.86 million loan for a BVI-based SPV, secured against a five-bedroom freehold townhouse in South Kensington, arranged over 12 months to support liquidity needs.
“Our new residential bridging product reflects our ongoing commitment to backing experienced borrowers with bespoke, well-priced capital,” said Matt Thame (pictured), founder and chief executive of Cohort Capital. “We’ve built a strong track record by acting quickly, structuring intelligently, and delivering consistency – even through market headwinds.
“This product is an extension of that philosophy and positions us to better serve the £1 million to £5.5 million residential segment while continuing to support larger commercial real estate loans across the £6 million to £100 million range.”
Cohort Capital has funded over £1.2 billion in structured finance, bridging, and term loan transactions since its launch in 2019.
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