Mint Property Finance is a specialist short-term property lender that offers bridging finance, refurbishment loans and development finance across England and Wales. Its loans start at £75,000 and generally go up to £3 million, with commercial property capped at £1 million, and it focuses on residential investment property and small development schemes. Bridge & Build Finance is an independent broker and is not part of Mint Property Finance, so we can compare its terms with other bridging and development lenders. You can read more on Mint Property Finance's own website.
About Mint Property Finance
Mint Property Finance says it has been lending since 2011 and describes itself as a national specialist lender. Mint Property Finance is a trading name of a small group of companies registered in England and Wales, with registered offices in Altrincham, Cheshire. It is a non-bank lender and works with brokers, professional introducers and direct borrowers.
In recent years Mint has simplified its range to three core areas: bridging finance, refurbishment loans and development finance. It does not underwrite on a credit score, instead reviewing a credit report for each applicant, and says it considers borrowers with adverse credit, with heavier adverse acceptable where the exit is a sale.
Mint Property Finance is one of the lenders we compare for bridging loans, refurbishment finance and small-scheme development finance.
What Mint Property Finance funds
At the time of writing (October 2026), Mint's website sets out three products:
| Product | Loan size | Maximum leverage | Term |
|---|---|---|---|
| Bridge (residential, light commercial, first or second charge) | £75,000 to £3 million (£1 million for commercial) | Up to 75% LTV | Up to 12 months, no minimum term |
| Refurbishment, light works | From £75,000 | Up to 75% LTV, or up to 90% day one on some residential cases | Up to 12 months |
| Refurbishment, medium and heavy works | From £75,000 | Up to 75% LTV on purchase, with works funded | Up to 18 months |
| Development and new build | £75,000 to £3 million | Up to 70% day one, 65% of GDV, up to 100% of works | Typically up to 18 months |
Light refurbishment covers cosmetic and non-structural works, generally under £50,000, with no planning needed. Medium and heavy works may need planning or permitted development consent, a costed schedule of works and a monitoring surveyor. Development and new-build loans need planning or permitted development rights and are ordinarily for schemes of up to four houses or eight flats, including garden plots, commercial-to-residential conversions and HMOs of up to six bedrooms.
Mint lends on standard construction property in mainland England and Wales. Second charge bridges are considered behind an established mainstream first charge. Mint does not list regulated bridging, so it is a lender for investment and business purposes rather than a bridge on your own home.
Who Mint Property Finance suits (and who it may not)
Mint Property Finance tends to suit:
- Investors buying or refinancing residential property in England and Wales from £75,000.
- Refurbishers who need high day-one leverage on a light refurbishment.
- First-time developers with a small scheme of a few houses or flats.
- Developers converting commercial property to residential, or building on a garden plot.
- HMO landlords with experience running HMOs.
- Borrowers with some adverse credit, especially where the exit is a sale.
It is a poorer fit for larger developments, land without planning, barn conversions, modern methods of construction, trading businesses such as pubs and hotels, and property in Scotland or Northern Ireland. Borrowers needing a bridge on their own home need a lender that offers regulated bridging.
What Mint Property Finance looks at
Mint's published criteria highlight:
- The security: standard construction, a valuation on a vacant possession basis, and leasehold terms with enough years remaining.
- The exit: a sale or refinance, which also shapes how adverse credit is treated.
- For larger or higher-leverage loans, whether the borrower owns their own home or another UK property.
- For works, a costed schedule, contractor details, building control and, where relevant, a warranty.
- Borrower type and age: individuals, partnerships, sole traders, limited companies, LLPs and pension schemes are considered, with a limit on the number of live loans per borrower.
- For HMOs, a track record of running at least one HMO.
Smaller residential bridges at lower leverage may be valued using an automated valuation instead of a full survey.
Pros and cons
Pros
- Lends from £75,000, so suits smaller deals.
- Refurbishment loans of up to 90% on day one for some residential cases.
- First-time developers accepted on development finance.
- Up to 100% of works funded on development.
- Wide range of borrower types, with adverse credit considered.
- Second charge bridging considered.
Cons
- England and Wales only.
- Development limited to small schemes, ordinarily up to four houses or eight flats.
- Commercial bridges capped at £1 million.
- No regulated bridging for owner-occupiers.
- A long list of excluded property types, including barn conversions and non-standard construction.
Going through a broker vs going direct
Mint deals with brokers, professional introducers and direct borrowers. Going direct gives you Mint's view only. Bridging and refurbishment terms vary widely in leverage, fees, minimum interest and exit charges, and a high day-one LTV may come with higher pricing that another lender could beat at a slightly lower loan amount.
We search the market, present your case and approach suitable lenders, including Mint Property Finance where it fits. It is free to enquire, and any broker fee is disclosed before you proceed. If this is your first scheme, read our guide to first-time developer finance.
Alternatives to Mint Property Finance
- Hope Capital: bridging, refurbishment and commercial-to-residential lending.
- Roma Finance: bridging, refurbishment and development finance from smaller loan sizes.
- LendHub: bridging, refurbishment and finish-and-exit loans.
- Evolve Lending: residential bridging and light refurbishment from £25,000.
- Magnet Capital: development finance for smaller schemes.
Common questions
What is the minimum loan from Mint Property Finance?
Mint's minimum loan is £75,000. Its maximum is generally £3 million, or £1 million for commercial property, with larger loans by exception.
Does Mint Property Finance accept first-time developers?
Yes. Mint says first-time developers are accepted on its development finance, which is aimed at smaller schemes of up to around four houses or eight flats.
How much can Mint lend on a refurbishment?
Mint offers refurbishment loans up to 75% LTV, and on some residential cases up to 90% of value on day one, typically at a higher price.
Does Mint Property Finance lend in Scotland?
Mint's criteria focus on mainland England and Wales, so property in Scotland or Northern Ireland is unlikely to be accepted.
Does Mint Property Finance offer second charge bridging?
Yes. Mint considers second charge bridges where the first charge is held by an established mainstream lender with enough term remaining.
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.
