Streetview of Montpelier Private Finance London offices

A first class customer experience

Montpelier Private Finance prides itself on giving you the very best experience.  By working with us you can be guaranteed:

No stress - we take on the arduous tasks

You choose our level of involvement 

Full and regular case updates so you never chase

Your client always remains your client

Benefit from our expertise

With over 20 years experience we are a market leading expert in specialist lending.  We successfully assist our clients with:

Senior debt funding, stretched senior, mezzanine and JV/equity and funding solutions 

Complex funding requirements

Funding solutions for applications in personal name, company, trust, off shore, domicile and non-domicile.

Market leading funding solutions

We are an independent specialist finance broker with full market access.  You and your client will enjoy the benefit of:

Bespoke funding solutions that best suits the individual needs of each client

Market leading exclusives from our lending partners

Our established reputation our lending partners, that has been built up over many years.

For Brokers, Introducers and Professional Intermediaries

We have a long, established history of successfully working with introducers, brokers and professional intermediaries.  Our complete focus is to achieve a partnership that works for you.

Our Services

Commercial property under construction site

80% of completed project value


PBSA specialist


Ground Up Development Finance


Permitted Development Finance

Refurbishment Finance


No Personal Guarantee option (full/Ltd)


Development Exit Finance 


Land Mortgages


Pre Construction Loans


Structured Property Finance


Mezzanine Finance


Joint Venture/100% Funding

Auction finance available


All asset classes welcome


1st, 2nd and 3rd charge loans


Non status/credit impaired welcome


Residential up to 80% LTV


Semi Commercial & Commercial up to 75% LTV


Land with planning up to 70% LTV


Terms from 1-36 months


No monthly payments


Interest deducted from loan, serviced monthly or rolled up

HMO mortgages both small (<6 people) & large with no maximum

Multi Unit Block mortgages

Buy To Let mortgages


Residential Investment mortgages (high value low yielding prime assets)

Semi Commercial & Commercial mortgages

Commercial Owner Occupied mortgages

Portfolio mortgages

Interest only available up to 85% LTV for Residential Investment assets

Interest only available up to 75% LTV for Semi Commercial & Commercial assets

100% LTV available with additional security

Funding available for both direct lets and nomination agreements

Preferred terms for Russell Group locations

Standard construction and modular propositions welcome

Development finance at 90% Loan to Cost (LTC)

90% LTC stretched senior debt funding / 75% Loan to Gross Development Value (LTGDV) (lower there of); keeping the transaction a pure debt proposition, rather than give away equity/profit share


Mezzanine finance up to 75% LTGDV

Hybrid mezzanine/equity finance for higher LTC's

Joint venture/equity to sit on top of senior debt

Commercial term exit lending for completed schemes

Business meeting with a development finance broker

What Our Clients Say 

Toby | Financial Advisor & Mortgage Broker

I have referred to James and Montpelier Private Finance a number of times, for a variety of deals including PBSA, bridging, development and commercial finance. James has never let me, or more importantly, my clients down and always provides an incredibly high level of service. His knowledge on these sectors is second to none and the thoroughness of his research and advice produces positive results time and again. He also keeps introducers and other key parties informed at every step of the transaction, something which is often lacking in a lot of other commercial partners. I would have no hesitation in recommending the services of Montpelier Private Finance for anyone seeking specialist finance.

Start Working With Us

If you have a case you want to discuss then simply contact us by your preferred method.  We look forward to working with you.  

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Why Montpelier Private Finance?


Our independence means that we are on your side throughout the whole process. No bias or affiliations, just working for what's best for you and your circumstances. 


It's not just about finding the best rate.  Our reputation with lenders for thorough due diligence means that your application will be viewed with enhanced credibility.  


Securing funding can be stressful and complicated. We remove that by managing the process from end to end.  You are always kept informed and never have to chase us for updates 

Montpelier Private Finance Limited is registered in England and Wales No. 07045306. Registered office: 162-164 High Street, Rayleigh, Essex SS6 7BS. Trading address: Old House Farm Barn, Oldhouse Lane, Coolham, RH13 8QP.  All rights reserved. Montpelier Private Finance Limited is authorised and regulated by the Financial Conduct Authority (No. 727149) The FCA does not regulate some mortgage contracts, please ask for details. Telephone calls may be monitored or recorded for training purposes.   

We may charge a fee for our advice. We may also be paid commission from the lender.

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