Ortus Secured Finance: products, terms and eligibility

Ortus Secured Finance is a UK provider of bridging loans. The legal entity named on its site is Ortus Secured Finance Limited, company number 08302793. It is based in London. It gives its founding year as 2013.

Ortus Secured Finance was founded in April 2013 by its current management team from a small office in Charles Street, London; its first loan was in June 2013 and its first fund launched in December 2015. It says institutional investment in August 2018 enabled balance sheet lending, and it became CBILS accredited in March 2021. Its head office is at Wigmore Street, London, with offices in Manchester (opened 2017), Belfast (2018) and Glasgow (2020).

In its own words on scale:

• Says it lends from four UK locations to property developers, landlords, trading businesses and professional investors (About page in October 2026).

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

Ortus Secured Finance publishes 4 products for UK businesses. The table above gives the amounts and terms as it states them.

• Residential bridging: Interest can be serviced monthly or deducted from the gross loan.

Residential bridging

Loans of £500,000 to £25 million for 3 to 36 months, secured on UK residential property (standard bridges need habitable residential investment property in England or Wales), up to 70% loan-to-value on standard products. Borrowers can be individuals, limited companies, partnerships and offshore SPVs, UK or non-UK. Uses include refinancing, equity release, refurbishment, purchase and auction purchases, and buy-to-let, holiday let and HMO investment.

Commercial bridging

Loans of up to £25 million for 3 to 24 months, secured on offices, warehouses, mixed-use, retail, hospitality and care properties. It is aimed at owner occupiers and investors needing an asset management strategy before resale or refinance, including auction and development exit purchases. Borrowers can be individuals, limited companies, partnerships and offshore SPVs.

Commercial mortgage

Listed as a product on its FAQ page; no further details were published on the pages read.

High-value single unit, development exit and stabilisation loans

Listed as products on its FAQ page; no further details were published on the pages read.

Ortus Secured Finance says its finance is used for:

• Auction purchases
• Light refurbishment
• Capital raising
• Refinancing
• Equity release
• Development exit

Sectors and business types it says it funds:

• Property developers and landlords
• Trading businesses and professional investors
• Hotels, pubs, offices, warehouses, retail and care homes (commercial security)

Ortus Secured Finance publishes these criteria. Meeting them does not mean an application will be accepted: every lender makes its own decision.

• UK and non-UK borrowers: private individuals, limited companies, partnerships and offshore SPVs.
• Residential: security over C3 residential property in the UK.
• Commercial: security over offices, warehouses, mixed-use, retail, hospitality and care provision.
• Standard residential bridge: UK national or resident individuals, or a UK SPV owned by UK nationals or residents.
• Standard residential bridge: security located in England or Wales, with restrictions on building types.

Ortus Secured Finance describes its process like this:

1. Contact the team by phone or email, or via a broker.
2. The lender considers the borrower and the security property.
3. Valuation and legal work follow before completion.

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

A bridging loan is short-term borrowing secured on property, used to bridge a gap until a sale or longer-term finance completes. Interest is often rolled up or retained and repaid with the loan at the end, so the plan for repaying it, known as the exit, matters as much as the property.

Lenders lend up to a share of the property’s value and will want to see that exit. Bridging costs more than long-term borrowing, so it is worth understanding how lenders differ before you compare offers.

Points Ortus Secured Finance publishes that are worth knowing:

• Secured loans against property; auction purchases, refurbishment, refinance and capital raising are listed uses.
• Loan up to 70% LTV is shown for its standard residential bridge.
• Says it is a principal lender with discretion over its own capital (funds under management, banking lines and balance sheet).

Security and guarantees

Loans are secured on UK residential or commercial property; standard residential bridges require habitable investment property in England or Wales. Security assets named on its FAQ include buy-to-let, HMOs, holiday lets, apartment blocks, portfolios and commercial properties.

The pages we checked do not carry a regulatory statement, so we describe none. Ask Ortus Secured Finance how it is regulated and check any claim on the FCA Register.

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 bridging loans with profiles here include Reward Funding, Rocket Bridging and Roma Finance. 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.