Loan book grows following pricing overhaul
Bridging lender Hope Capital has reported a surge in business following the introduction of its latest rate structure, which offers flat rates across its loan range.
The lender’s new pricing model replaces its previous deal-specific approach, allowing a single rate to apply across multiple project types.
Since the start of 2025, Hope Capital’s loan book has expanded by 15.6%, and the firm recorded its strongest month of business since June 2023, marking a 45.3% increase compared to its previous peak. February also saw the lender’s completed deals more than double forecasts, with a 108% rise in completions.
“I am delighted with our success as we’ve entered the new year and the tremendous growth in not just sales, but completions too,” said Jonathan Sealey (pictured right), chief executive of Hope Capital. “This is further evidence that our key initiatives and enhancements are driving both operational and financial improvements.”
“Since we kickstarted 2025, there has been fantastic growth throughout the entire business,” added chief financial officer Kate Cowan (pictured left). “Our performance represents an outstanding achievement from every department, especially our portfolio management team who have achieved a 41% reduction in default loans since the same period last year, thanks to their incredible efforts to find a solution for our borrowers.”
Hope Capital has outlined plans for continued expansion and product innovation. Last week, the lender launched its resi fast-track loan, designed to help borrowers complete purchases ahead of the upcoming stamp duty deadline. The lender said recent process improvements have also led to a 40% increase in faster completion times compared to early 2024.
Founded in 2011, Hope Capital specialises in bridging finance for property investors, developers, and brokers. The company operates across England, Scotland, and Wales, working with a network of over 28 industry partners and employing more than 30 staff.
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