Development Finance Lenders
Sancus Lending
Sancus Lending is an AIM-listed specialist property lender providing bridging and development finance to developers, investors and property professionals across the UK, Ireland and Jersey. With over £1bn of funding deployed since 2013, Sancus combines institutional backing with a relationship-driven approach — offering transparent, flexible lending that moves at the pace of the deal. From straightforward bridging loans to complex structured development finance, Sancus empowers developers to capitalise on opportunities with speed and confidence.
Ground-up residential development
England & Wales
Senior development finance
A £22.25m development loan supporting the purchase and ground-up construction of the first 43 residential houses across a wider consented scheme, at 64% LTGDV.
Mixed residential conversion
England & Wales
Development finance
A £5.45m facility supporting the purchase of a site and part conversion, part new-build development of 33 apartments and 3 townhouses, at 73% LTGDV.
Care home refinance, UK
Commercial bridging finance
A £4.8m commercial bridge loan at 60% LTV supporting the re-opening of a newly refurbished care home facility, providing short-term finance to allow stabilised trading to be established.
What we do
Capital Focus
· Senior development finance
· Bridging finance
· Residential property finance
· Conversions
Typical loan size
£500k–£15m
Preferred stage
· Site acquisition
· Ground-up construction
· Conversion
· Refinance
· Bridging
Asset classes
· Residential
· Semi-commercial
· Mixed-use
· HMOs
· Ground-up
· Conversions
· Office to residential
Geographic comfort
· England
· Wales
· Ireland
· Jersey
Open to connecting with:
· Property developers
· Professional landlords
· Property investors
· LLPs
· Ltd companies
· SPVs
What we deliver
Bridging loans up to £15m and development finance up to £15m — fast, flexible and relationship-driven.
Tailored financing structures for ground-up developments of 1–50 units, conversions and mixed-use schemes.
AIM-listed institutional backing with the agility and personal service of a specialist lender.
How we like to work
Sancus operates on a relationship-first model — their commitment to moving at the borrower's pace and shared success has earned repeat business from developers across the UK. Backed by a diverse base of institutional and individual investors including Honeycomb Investment Trust, Sancus has the capacity to support projects of all scales. Their experienced UK team handles everything from straightforward bridging to complex structured development finance, with speed, transparency and efficiency at the core of every transaction.
KEY CONTACTS
Andrew Charnley
Managing Director, UK
Leads Sancus UK with over 30 years of commercial lending expertise across real estate, previously holding senior roles at Barclays, Lloyds and Together Money.
Alex Garland
Commercial Director, UK
Over 23 years of commercial and corporate real estate finance experience, managing loan origination, relationships and strategic leadership across all UK property sectors.
Geoff Walton
Lending Manager
Based in the North West with over 30 years of finance experience, previously at Lloyds and Together Money, managing loan transactions with a reputation for reliability and attention to detail.
Connect with Sancus
Our Partners
