Credit strategy · 01Live
UK property credit — the proven first strategy.
Short-duration bridge loans secured by first charges over UK property, originated and serviced in-house.
£40M+
Live UK loan book
short-duration bridge loans
c.£74M
Property security
independently valued
100%
First-charge secured
registered UK security
<5%
Historical default
by principal · not investor loss
The collateral cushion
Borrower equity absorbs a fall in value before lender capital.
As of September 2026.
Bridging finance, in one picture
Capital now. A defined exit later.
Bridge loans finance what term lenders cannot yet: speed, transition and non-standard deals.
Illustrative bridge-loan lifecycle.
- Day 0Purchase or auction
Completes in weeks, not months.
- Months 1–12Works or planning
Refurbishment, conversion or consent.
- 6–18 monthsExit
Sale or refinance repays the loan.
Why borrowers need us
Where banks step back
01Speed
→
Auctions complete in 28 days; banks take 8–12 weeks.
02Condition
→
Mid-refurbishment assets are not yet mortgageable.
03Process
→
Short, hands-on deals don’t fit a bank’s term model.
Typical loan termsINDICATIVE
- Tenor
- 6–18 months
- Security
- First charge, registered
- Valuation
- Independent RICS
- Advance
- c.60–70% of conservative value
- Repayment
- Sale or refinance
- If it fails
- Enforce and sell
Credit discipline
Six controls on every loan
01
Originate
Borrower, purpose, exit.
02
Value
Independent valuation, title, downside.
03
Approve
LTV, leverage, concentration.
04
Complete
Documents, charge, insurance.
05
Service
Collections, maturities, extensions.
06
Enforce
Notice, receiver, sale if required.
Access UK property credit
Investors gain exposure through GBPL. Borrowers and brokers can talk to us directly.