Signature Property Finance: products, terms and eligibility

Signature Property Finance is a UK provider of property development finance. The legal entity named on its site is Signature Private Finance Limited, company number 08106050. It is based in Treforest, Cardiff. Companies House shows the company was incorporated 2012.

Signature Property Finance describes itself as a privately-owned principal lender whose lending decisions are made in-house. The legal entity is Signature Private Finance Limited (company number 08106050), based in Treforest, Cardiff. It has offices in Cardiff and London, and opened an Edinburgh office in June 2019 to reach the Scottish market. It lends against property in mainland England, Wales and Scotland and works mainly through intermediaries.

In its own words on scale:

• Says it has advised on more than £100m of transactional value over the last 3 years (undated figure on its site in October 2026).
• Says its Edinburgh office had completed more than £36m of deals as of September 2024.

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

Signature Property Finance publishes 5 products for UK businesses. The table above gives the amounts and terms as it states them.

Development funding

Facilities of £250k to £3m for conversions and new build, up to 15-unit projects, at up to 65% of GDV or 80% of total costs, whichever is lower. Maximum term 24 months, first charge only, exit by sale or refinance. Experienced professionals are preferred but first-time developers are considered.

Finisher facility

Facilities of £250k to £3m secured against existing unencumbered residential assets, at up to 70% of open market value, for up to 12 months. It lets the borrower draw funds to complete units. Available only through professional intermediaries.

Heavy refurbishment

Minimum £100k, first charge only, up to 75% of purchase price or day-one OMV (conditions apply) plus 100% of works costs, for up to 18 months. For works above 20% of property value such as extensions, loft conversions and change of use, on existing structures with planning in place where needed. Exit by sale or refinance.

Light refurbishment

Minimum £100k, first charge only, on the same advance basis as heavy refurbishment, for up to 18 months. Works are non-structural and cost less than 20% of current property value. Exit by sale or refinance.

Revolving credit facility

A pre-agreed facility of £100k to £1.5m for up to 12 months against unencumbered property, at up to 50% of OMV for commercial and 70% for residential. Interest-only, with a simple application per drawdown. Available to professional intermediaries only.

Signature Property Finance says its finance is used for:

• Property purchase and refinance
• Light and heavy refurbishment
• Ground-up and conversion development
• Development exit
• Portfolio funding line for experienced landlords and developers

Sectors and business types it says it funds:

• Property developers
• Landlords
• Limited companies
• Private individuals and partnerships

What it says it does not fund:

• Non-standard construction
• Farms
• Nightclubs
• Pubs, hotels, petrol stations and nursing homes (commercial bridge)
• Bare land
• Properties outside mainland England, Wales and Scotland

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

• Property developers, landlords, limited companies and private individuals.
• A clearly defined exit route is needed before funds are released.
• Development funding: conversions and new build, up to 15-unit projects by experienced property professionals; first-time developers considered.
• Security in mainland England, Wales and Scotland.
• Standard underwriting includes 3 months of personal and business bank statements.

Signature Property Finance describes its process like this:

1. An intermediary submits the application.
2. Signature reviews the borrower, property and exit route.
3. Valuation and underwriting are completed, with lending decisions made in-house.
4. The loan is secured by a first charge.

Information it says it asks for:

• Application form
• 3 months of personal and business bank statements
• Income evidence if servicing interest
• Statement of assets, liabilities, income and expenditure
• Property portfolio schedule
• ID and proof of residency

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 Signature Property Finance publishes that are worth knowing:

• Loans are based on open market value of the property.
• Finisher facility is secured against existing unencumbered residential assets.
• Revolving credit facility and finisher facility are strictly for professional intermediaries only.
• No ground-up development within the heavy refurbishment product.

Security and guarantees

First charge only on its bridging, refurbishment and development loans. Personal guarantees are required from directors of limited company borrowers. Revolving credit and finisher facilities are secured on unencumbered property. Freehold or leasehold with at least 60 years remaining is accepted.

The pages we checked do not carry a regulatory statement, so we describe none. Ask Signature Property 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 property development finance with profiles here include Affirmative Finance, Goldentree Financial Services and Hampshire Trust Bank (HTB). 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.