Lowry Capital is a small, privately funded lender providing bridging loans, refurbishment funding and staged development finance. At the time of writing (October 2026), its June 2026 brochure shows secured loans from £25,001 to £4m, terms of up to 18 months, and maximum loan-to-value from 50% on land with planning to 70% on residential investment property, all against open market value. Bridge & Build Finance is an independent broker and is not part of Lowry Capital, so we can compare its terms with other bridging and development lenders. You can read more on Lowry Capital's own website.
About Lowry Capital
Lowry Capital's registered address is in Cheadle Hulme, near Stockport, and it has a dedicated Scottish team based in Glasgow with a separate Scottish website. Its 2026 brochures say it has been funding property projects for around 15 years, including a long record of lending throughout Scotland, from city-centre flats to remote Highland and island properties.
Lowry Capital says it lends its own money, so it does not need to convince outside investors or shareholders before agreeing a deal. It describes itself as a small team with no layers of underwriting, where borrowers deal with a decision maker from start to finish. It also runs Lowry Nano, a division for smaller loans of £25,000 to £100,000.
Lowry Capital is one of the lenders we compare for bridging loans, refurbishment finance and smaller development finance cases.
What Lowry Capital funds
Lowry Capital lends on a wide range of property types for non-regulated purposes. Its June 2026 brochure sets out the following bridging limits, all based on open market value.
| Property type | Maximum LTV | Loan size | Term |
|---|---|---|---|
| Residential investment | Up to 70% | £25,001 to £4m | Up to 18 months |
| Semi-commercial | Up to 65% | £25,001 to £4m | Up to 18 months |
| Commercial | Up to 60% | £25,001 to £4m | Up to 18 months |
| Land with planning | Up to 50% | £25,001 to £4m | Up to 18 months |
There is no minimum term. Lowry Capital lists the following among the uses of its funding: HMOs, holiday lets and leisure parks, warehouses, industrial and commercial units, offices and office conversions, former pubs, farms, castles and listed buildings, barn conversions and steadings, auction purchases, heavy refurbishment, cash flow and secured business funding.
Its development funding covers residential conversions, new builds and office-to-residential conversions. Funds are released in stages to suit the schedule of works, and Lowry Capital says fees are charged only on funds drawn. It does not publish a loan-to-GDV or loan-to-cost limit for development.
Who Lowry Capital suits (and who it may not)
Lowry Capital tends to suit:
- Investors and developers with projects anywhere in England, Scotland or Wales, including remote and island locations that other lenders avoid.
- Borrowers needing smaller loans, from £25,001, including through its Lowry Nano division.
- Smaller developers, including those without a track record, since Lowry Capital says experience is not essential.
- Developers who want a hands-off approach with staged drawdowns and no quantity surveyor monitoring.
- Owners of unusual property such as listed buildings, castles, rural or leisure property.
- Borrowers with past credit issues, which Lowry Capital says it views with common sense.
It may not suit borrowers needing more than £4m, terms longer than 18 months, or higher leverage on commercial property or land. It lends only to individuals and limited companies, so LLPs and trusts may need another lender. It offers non-regulated loans only, so a bridge on a home you or your family live in will need a regulated bridging lender.
What Lowry Capital looks at
Lowry Capital says it uses common sense rather than algorithms and looks at every deal on its merits. Its brochure highlights that it does not require proof of income on bridging, and that it does not ask for a solicitors' cost undertaking. It lends to UK citizens and to non-UK residents with the right to reside in the UK, subject to underwriting.
In practice, expect it to focus on:
- The open market value of the property and the loan-to-value for that property type.
- The exit, such as sale, refinance or completion of a development.
- For development, the planning position, schedule of works and costs, and how sales will repay the loan.
- The borrower's assets and liabilities, and any credit history that needs explaining.
Its development flyer says no collateral warranties are required and that developers can retain part of the proceeds from each sale to help cash flow.
Pros and cons
Pros
- Lends across England, Scotland and Wales with no postcode restrictions.
- Small loans from £25,001, with a dedicated small-loan division.
- Lends on open market value with no minimum term.
- Development experience not essential, with staged funding and no quantity surveyor.
- Wide appetite for unusual property types.
Cons
- Maximum loan of £4m and maximum term of 18 months.
- Lower LTVs on commercial property and land than some lenders.
- No regulated lending.
- No published loan-to-GDV or loan-to-cost for development.
Going through a broker vs going direct
Lowry Capital deals with borrowers directly and with intermediaries. Comparing first is still worthwhile: a lender with a flexible approach and own funds may be right for an unusual property or a less experienced developer, but a conventional bridging or development lender may offer more leverage or lower costs on a straightforward case.
We search the market, set Lowry Capital alongside other suitable lenders and manage the application. It is free to enquire, and any broker fee is disclosed before you proceed.
Alternatives to Lowry Capital
- Scotlend: a bridging and development lender with a focus on Scotland.
- Hope Capital: bridging and refurbishment lending across residential and commercial property.
- Glenhawk: bridging and refurbishment loans for property investors.
- Fiduciam: a privately funded lender with flexible bridging and development loans.
- MT Finance: bridging across a broad range of property types.
Common questions
How much can I borrow from Lowry Capital?
At the time of writing (October 2026), Lowry Capital lends from £25,001 to £4m, with smaller loans of £25,000 to £100,000 handled by its Lowry Nano division.
Does Lowry Capital lend in Scotland?
Yes. Lowry Capital lends throughout England, Scotland and Wales with no postcode restrictions, and has a dedicated Scottish team in Glasgow. It says it lends in remote areas and on the islands.
Do I need development experience to borrow from Lowry Capital?
Lowry Capital says experience is not essential for its development funding and that it often funds smaller developments.
Does Lowry Capital offer regulated bridging?
No. Lowry Capital lends on non-regulated cases only, so it will not fund a bridge on a home that you or your family live in or plan to live in.
What is the maximum term on a Lowry Capital loan?
Its brochure shows no minimum term and a maximum term of 18 months.
This review is our independent summary of the lender's publicly stated lending, checked in October 2026. Criteria change, so confirm the current position before relying on it. Bridge & Build Finance is an independent broker and is not part of any lender reviewed. Finance is subject to status, valuation and lender approval.
