Get flexible on demand funding for your next project

Property Finance

Whether it’s property development finance, bridging loans, JV’s, or anything in between, our specialist panel of property finance lenders can help you get your next exciting project completed.

Our property finance team are here to find the right funding you need from £50k to £100m. We understand that decisions need to be made quickly and assertively in this business, so we are proud to be the only company out there currently to get you an indicative ‘yes’ or ‘no’ within less than 3 hours of your enquiry.

Property finance is more often than not one of the easiest and quickest funding products, with residential or commercial property being used as collateral to secure the loan. There is no obligation or charge to use our service, so let us find you the best deal for your needs, in record time.

Property Develpment Finances

Property Development Finance

If you are looking to fund a residential, commercial, or mix-use development then property development finance is most definitely going to be on your radar.Property development finance is ideal if you are building from the ground up, and is often utilised for significant or large-scale building or renovation projects.

Commercial Bridging Loans

Bridging Finance

If you are looking to borrow money for a short period of time, and need funds extremely quickly, then bridging finance is a very useful option that can save you from missing that next big opportunity.Bridging loans are used to finance the gap between sale and purchase, and are secured by using other property, land, or machinery as collateral. Bridging loans are perfect for an array of needs including property purchase, property development, and BTL investments.

Commercial Mortgage

Commercial Mortgages

Commercial mortgage loans are a very flexible and affordable form of finance used for buying, refinancing, and remortgaging property or land that will be specifically used for business purposes.Commercial mortgages can be used for an array of businesses including shops, factories, offices, warehouses, and restaurants, and can also be used to acquire another business, or to purchase a brand new building or land.


JV Property Development Finance

Joint venture finance, also known as 100% development finance, is a way of developing property without having to use your own money. The lender fronts the funds needed to complete the project, with their split being paid upon the sale of the site.Joint Venture finance is an extremely attractive option for developers. As well as unlocking 100% of all costs, risks are shared along with benefits, and profits can also be maximised by utilising the lenders’ experience.

Secure funding for your next project

Our Service to you

At Reform Financial we pride ourselves on our ability to work at pace, over-deliver on our promises, and provide award winning service for all of our clients. We know exactly how hard it is to build a strong, long-lasting business, and how integral healthy cash flow is.

As a broker our service is absolutely free of charge for you to use, so you can get the facts you need to make the best decision for your business. We have spent an incredible amount of time building and nurturing extremely strong relationships with our partners, so you can trust us to connect you to only the very best of the best.


Our job is to work out who the best lenders are, what their processes are, and what their USPs are. We have spent a substantial amount of time and effort vetting our panel to ensure that we only ever introduce you to the perfect lender for your specific needs.

Using Reform Financial allows you to check your options without having to spend hours filling in forms and speaking on the phone. Unlike a lot of brokers, we have opted to only take a fee when you get what you want, and that fee comes out of the lenders fee, so using our service will never cost you more, it will just save you time and effort.

Our process is the most friendly and efficient you will find. There’s no obligation, and we won’t perform credit checks, give you false hope, or waste your time. 99% of the time we can come back to you within 60 minutes of your enquiry.

1: Quick and easy consultation – our experienced and helpful team will ask some top-level questions including information about your business and needs

2: Shortlist and indicative terms – We use our expertise to match you with the very best and most appropriate lenders and come back to you with initial offers

3. Once you are happy with an initial offer, and you want to discuss your needs in more detail with your desired lender, we will connect you. We are here to help throughout the whole process, so you can contact us any time you have a question or need any help

Unlike the majority of other brokers, we never charge any fees. We are extremely confident about the service we provide, so there is no need for us to rely on hidden or unnecessary fees.

Instead we receive a commission upon completion of a job, when you are happy. This commission is offset against the lenders commission, so it will never cost you more to use our service. And because we get paid after we’ve done an exceptional job, it’s always in our best interests to go above and beyond.

We have spent a considerable amount of time building strong relationships with our lenders. We decided to choose quality over quantity with our panel, while making sure you have enough options.

Currently we have 200+ trusted lenders who have all delivered exceptional results time and time again and we have specialist lenders within each sector, and these range from high street banks, and challenger banks, right through to private funds and HNWI’s.

Never! We are not here to make a quick buck, especially by trying to ‘sell you’. Instead we are in it for the long game, and will continue to build a business that stands head and shoulders above the competition when it comes to customer service and respect for our clients.

You will receive the same friendly, caring service whether you need your funds yesterday, have a potential project in 6 months, or are just window shopping. Feel free to use our service to benefit you and your business and we will always be more than happy to help.

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Reform Financial - Finance, Restructuring, Insolvency

Reform Financial help thousands of companies and individuals to find the right financial support. The main benefit of speaking with us is that we do not offer advice, but instead we can give you a comprehensive understanding of all of our services, and guide you through the process should you decide that one of our solutions is for you. If you need more information please feel free to visit our Complaints Policy and Privacy Policy.

Reform Financial Limited is registered in England and Wales under company number 13084762.  Reform Financial Limited does not administer or provide advice relating to any business finance products. Reform Financial Limited can introduce applicants to a number of finance providers based on the applicants circumstances. Reform Financial Limited do not charge for this service but may receive a commission from lenders or other brokers for such introductions.

This website is owned and operated by Reform Financial Ltd – company number 13084762. Registered address – 124 City Road, London, England, EC1V 2NX. Licensed under the Information Commissioners Office (ICO) for data Handling; DPA No ZA840802.