Flexible, responsive property finance solutions across the UK
DeFinityX provides flexible and responsive property bridging finance solutions across the UK, supporting both residential and commercial assets for individual borrowers, corporate entities, and ultimate beneficial owners (UBOs).
Our bridging finance offering is designed to support time-sensitive transactions, complex property scenarios, and bespoke requirements where speed, certainty of execution, and structured risk management are critical. We are able to support a wide range of use cases, including acquisitions, refinances, development-led situations, asset repositioning, and transitional funding requirements.
DeFinityX operates with its own funding lines in place, alongside a carefully selected network of specialist funding partners. This allows us to structure and place bridging and property finance solutions efficiently, tailoring each transaction to the asset, jurisdiction, and borrower profile. Where appropriate, transactions may be funded directly or placed with one or more partner lenders to achieve optimal outcomes.
The business is led by a senior team with deep heritage in the UK bridging and specialist property finance market. Property bridging has historically been the core focus and expertise of the group's leadership, forming the foundation on which the wider DeFinityX platform has been built. This experience underpins our disciplined underwriting approach, credit judgement, and ability to navigate complex property and borrower scenarios.
DeFinityX operates its bridging finance activities in parallel with its tokenization and broader structured finance strategies, viewing property finance as a core pillar of the group's long-term growth. As group reserves and balance sheet capacity continue to expand, we intend to scale the bridging finance platform significantly while maintaining strong governance and risk controls.
Our initial focus is the UK market, where we have established infrastructure, experience, and relationships. However, we are open to considering bespoke property financing solutions in other jurisdictions, subject to legal, regulatory, and risk assessment. Each opportunity is assessed on a case-by-case basis to ensure suitability and alignment with our underwriting and governance framework.
DeFinityX provides a broad range of property bridging and development finance solutions designed to support both residential and commercial transactions across the UK. Our offering is flexible, asset-led, and structured to accommodate varying transaction sizes, timelines, and levels of complexity.
Straight bridging finance is designed to support short-term funding requirements where speed, certainty, and flexibility are essential. DeFinityX provides bridging solutions for both residential and commercial properties, suitable for individuals, corporate borrowers, and UBO-led structures.
Typical use cases: Property acquisitions requiring rapid completion | Refinance of existing debt | Chain breaks and auction purchases | Capital release against unencumbered or lightly leveraged assets | Transitional funding pending sale, refinance, or longer-term funding
DeFinityX also provides property development finance solutions for residential and commercial projects, supporting both smaller-scale developments and larger, more complex schemes.
Supports: Ground-up residential and commercial developments | Refurbishment, conversion, and change-of-use projects | Multi-unit residential schemes | Mixed-use and commercial developments
DeFinityX is able to support smaller transactions from approximately £100,000, typically for residential or light commercial bridging, to larger bridging and development facilities ranging up to £25–50 million, depending on asset type, structure, and risk profile. Each transaction is assessed on a case-by-case basis, allowing for bespoke structuring.
Our property finance solutions cover both residential assets (single units, portfolios, multi-unit schemes) and commercial assets (offices, retail, industrial, logistics, mixed-use properties). This dual capability allows DeFinityX to support a wide range of borrower profiles and property strategies.
DeFinityX adopts a flexible, solutions-led approach. Transactions are structured to reflect asset quality and valuation, borrower profile and experience, exit strategy and timeframe, and jurisdictional and legal considerations. Where appropriate, facilities may be funded directly or placed with specialist funding partners to achieve the most suitable outcome.
Our bridging and development finance process is designed to be clear, structured, and efficient, while maintaining strong governance and risk controls.
Prospective borrowers complete our Client Fact Find Form providing initial details of the borrower, property, and proposed transaction. This enables us to undertake an initial assessment of suitability and determine whether we can proceed to formal application.
Our team conducts an initial review to confirm the transaction type, borrower eligibility, asset characteristics, and financing requirements. Any clarification needed is discussed with the applicant before proceeding.
Subject to initial approval, we appoint our legal adviser (Brightstone Law) to act on the transaction. The lawyer conducts property and legal verification, confirms title readiness, identifies any title issues or restrictions, and advises on documentation requirements.
We request any additional documentation needed to support underwriting and risk assessment. This may include recent credit files, proof of source of funds, details of exit strategy, and any other information relevant to the transaction structure.
Subject to satisfactory documentation and risk review, we issue non-binding Heads of Terms outlining the indicative loan amount, interest rate, term, security requirements, conditions, and other material terms.
Subject to Heads of Terms acceptance, formal underwriting is completed, final credit and risk approvals obtained, legal documentation prepared and executed, and funds released to complete the transaction.
The following documentation is typically required to support bridging and development finance applications:
Completed Client Fact Find Form | Property details and address | Borrower identification and details
Government-issued ID (Passport) | Proof of Address (utility bill or equivalent) | Company incorporation documents (if applicable)
Recent credit file | Details of exit strategy | Financial information supporting repayment ability
Property title deed or evidence of ownership | Professional valuation (where required) | Title insurance or indemnity policies
Loan Agreement | Security documents | Completion statement and fee schedule
Legal advisers specialising in property finance, bridging loans, and real estate transactions. Acts independently for the transaction, supporting documentation, security structuring, and completion.
Independent specialists in credit risk, compliance review, and underwriting support. Provides third-party risk assessments to inform lending decisions.
Project monitoring, cost verification, and construction progress reporting for development and refurbishment transactions. Reports support staged drawdowns and cost control.
Provider of title insurance and transaction-related indemnity solutions for property finance transactions. Insurance policies mitigate specific legal and title risks.
Independent RICS-regulated valuers and building surveyors providing property valuations and condition assessments. Valuations used for underwriting and risk assessment.
Corporate intelligence, due diligence, and risk-assessment support. Forms part of our compliance and risk framework for counterparty evaluation.
For clarity and regulatory integrity, DeFinityX's bridging finance offering:
If you are interested in bridging finance, property development finance, or have a specific property transaction in mind, we welcome your enquiry.
Submission of an enquiry does not constitute an offer, commitment, or guarantee of funding.