Goldentree Financial Services: products, terms and eligibility

Goldentree Financial Services is a UK provider of property development finance. The legal entity named on its site is Goldentree Financial Services PLC, company number 04179323. It is based in Warrington. It gives its founding year as 2001.

Goldentree says it was established in 2001 and describes itself as a specialist short-term lender with over 25 years of lending experience, based in Warrington. It says its funding is private and backed by the Betfred family. Phil Derbyshire is named as Managing Director. It names Birchwood Mortgages Ltd as an associate company authorised to arrange regulated mortgage contracts, and says it is a member of the BDLA and the NACFB.

In its own words on scale:

• Says it has completed 921 deals and lent £708 million over the last 10 years (figures on its site in October 2026).

Everything on this page comes from what Goldentree Financial Services publishes itself. We show the date we last checked it, and we do not rate or rank lenders.

Goldentree Financial Services publishes 3 products for UK businesses. The table above gives the amounts and terms as it states them.

• Development finance (residential): Staged drawdowns after QS certification; direct payments available.
• Development finance (commercial): Staged drawdowns after QS certification; direct payments available.

Development finance (residential)

Development loans of £100,000 to £10 million for up to 24 months, covering ground-up builds, conversions and refurbishments, with up to 70% loan to gross development value and up to 90% loan to cost. Funds are released in stages following Quantity Surveyor certification to match project milestones, and direct payments are available. It says it supports first-time developers with a viable, well-structured project.

Development finance (commercial)

Development loans of £100,000 to £10 million for up to 24 months for commercial schemes, conversions, mixed-use and industrial units, with up to 75% loan to gross development value and up to 90% loan to cost. It uses the same staged drawdowns after Quantity Surveyor certification, with direct payments available.

Bridging finance

Short-term finance to complete a property purchase or release capital until longer-term funding, a sale or refinancing is in place, for £100,000 to £10 million for up to 12 months with a maximum 75% loan to value (its bridging page states the 75% against gross development value). Uses include auction purchases, chain breaks, refinancing, land acquisition and non-structural refurbishment; structural work is not supported. Borrowers exit via longer-term funding, a sale or a refinance.

Goldentree Financial Services says its finance is used for:

• Ground-up residential and commercial development
• Conversions and refurbishments
• Auction purchases
• Chain breaks
• Refinancing and land acquisition
• Non-structural refurbishment

Sectors and business types it says it funds:

• Property developers, investors, builders and brokers
• Residential, commercial and mixed-use property
• First-time developers with a viable project and professional team

What it says it does not fund:

• Bridging does not fund structural work
• Does not provide or arrange regulated mortgage contracts

Goldentree Financial Services publishes these criteria. Meeting them does not mean an application will be accepted: every lender makes its own decision.

• Property developers, investors and builders.
• First-time developers considered with a viable, well-structured project and professional team.
• Residential, commercial and mixed-use security.
• Projects in England, Scotland and Wales.

Goldentree Financial Services describes its process like this:

1. Enquire online or by phone.
2. Initial review of the funding requirement and indicative terms.
3. Site visit for development projects, or desktop valuation for bridging.
4. Receive an offer letter.
5. Legal due diligence and completion, with in-house solicitors for completion.
6. Funds drawn down, in stages for development.

Every application is subject to status and the lender’s own criteria at the time.

Development finance funds the purchase of a site and the cost of building or converting it, with the build money released in stages as work is completed and inspected. The loan is usually repaid from sales or by refinancing the finished property.

Lenders assess the developer’s experience, the costs and the expected end value, and set the loan against both. Understanding how lenders differ before you compare offers helps when weighing terms.

Points Goldentree Financial Services publishes that are worth knowing:

• Describes itself as a direct lender with private funding, backed by Betfred.
• Development covers ground-up builds, conversions, refurbishments and commercial schemes.
• Bridging suited to auction purchases, chain breaks, refinancing, land acquisition and non-structural refurbishment.
• Does not provide or arrange regulated mortgage contracts.

Security and guarantees

Lending is secured on property; the pages read do not give details of charges, guarantees or early repayment terms.

Goldentree Financial Services’s site states: “We do not provide or arrange regulated mortgage contracts but please visit our associate company Birchwood Mortgages Ltd which is authorised to do so.”

Protections differ by borrower type and loan size. Most lending to limited companies is not regulated consumer credit, so read the agreement and ask the lender what applies to you.

Other providers of property development finance with profiles here include Hampshire Trust Bank (HTB), Mint Property Finance and PMJ Capital. Each profile uses that lender’s own published terms.

The full list, grouped by product type, is in our directory of UK business lenders.

Capzy is a credit broker, not a lender, and gets paid by the lender. One application lets your business compare options across lenders, so you can weigh this kind of facility against the alternatives. You can check your funding options with a soft search that does not affect your credit score. A full application to a lender may involve a hard search, and any offer is subject to status and lender criteria.