Private mortgages
Private lending, used as a bridge — not a destination.
Sometimes the mainstream answer is no and the deadline is real. Private capital exists for exactly that gap, and it should always come with a plan for getting out of it.
What private lending actually is
Private lenders are individuals or funds who lend against property rather than against your paperwork. They move faster and look at the file differently, and they price for the risk they're taking.
It is genuinely useful in the right situation and genuinely expensive in the wrong one. Anyone who recommends it without walking you through the trade-off isn't doing the job.
How I work it
Only after the alternatives are exhausted, and only with an exit in mind — what has to change, and roughly when, for you to move onto better terms.
You'll be told plainly what the arrangement costs and what a brokerage fee on a private deal means, before anything is signed.
This is for you if
- You have a closing date and no mainstream approval
- You need to move quickly on a short-term problem
- Your income or property type doesn't fit standard lending
- You want a clear route back to conventional terms
Think this is your situation?
Send me the details and I'll tell you straight away where you stand — including if the answer is that it needs work first.