Ortus Secured Finance is a UK property lender with offices in London, Manchester, Glasgow and Belfast. Its range covers unregulated residential bridging, commercial bridging, development exit finance on completed schemes, loans on high-value single homes, stabilisation loans for commercial property and five-year commercial mortgages. Bridge & Build Finance is an independent broker and is not part of Ortus Secured Finance, so we can compare its terms with other lenders working on larger bridging cases. You can read more on Ortus Secured Finance's own website.
About Ortus Secured Finance
Ortus Secured Finance describes its approach as "We listen, then find a way", and its product guide stresses bespoke structuring for sophisticated borrowers and complex structures. It does not describe itself as a bank. Its head office is in London, with further offices in Manchester, Glasgow and Belfast, which gives it a presence in all four nations of the UK.
Its bridging is unregulated and is for investment and business purposes, so it does not offer regulated bridging on a home the borrower or their family lives in. We have not been able to confirm its founding date or ownership from its own website, so we have not stated them.
Ortus Secured Finance is one of the lenders we compare for large bridging loans and commercial bridging.
What Ortus Secured Finance funds
At the time of writing (October 2026), Ortus's 2024 product guide lists the following products. It does not publish LTV limits or a minimum loan size.
| Product | What it is for | Loan size | Term |
|---|---|---|---|
| Residential bridging | Purchases including auctions, refinancing, equity release, portfolio transactions, refurbishment projects, buy-to-let, holiday lets and HMOs | Up to £25m | 3 to 36 months |
| Development exit | Refinancing completed new build schemes, including apartment blocks, boutique and later living developments, to allow time to sell | Up to £25m | 3 to 24 months |
| High-value single unit | Loans on high-value homes, often for foreign nationals with complex income or complex corporate structures | £5m to £25m | 3 to 36 months |
| Commercial bridging | Offices, warehouses, mixed-use, retail, hospitality and care property; auction purchases and commercial development exit | Up to £25m | 3 to 24 months |
| Stabilisation loan | For owner-operators of commercial property that are not yet ready for bank funding, such as vacant property, short leases or start-ups | Up to £25m | 3 to 36 months |
| Commercial mortgage | Longer-term commercial lending | Up to £25m | 5 years |
On development exit loans, Ortus says it can consider releasing equity as individual units sell. Its stabilisation loan can be based on business forecasts and projections rather than trading history alone, which is unusual among bridging lenders.
See our guides to development exit finance and bridging for overseas borrowers.
Who Ortus Secured Finance suits (and who it may not)
Ortus tends to suit:
- Borrowers needing larger bridges, up to £25m.
- Overseas individuals, offshore companies and partnerships buying or refinancing UK property.
- Owners of high-value homes with complex income or ownership structures.
- Developers with completed schemes who need more time to sell.
- Owner-operators of commercial property, including hotels and care homes, who need time before bank refinancing.
- Borrowers with property in Scotland or Northern Ireland as well as England and Wales.
It is not suitable for regulated bridging, ground-up development or heavy construction, or small loans. Borrowers with simple cases may find cheaper terms from lenders focused on standard bridging.
What Ortus Secured Finance looks at
Ortus says it underwrites each case individually. Like most lenders at this level, it will typically look at:
- The value and type of the security, supported by an independent valuation.
- The borrower's structure, including any offshore entities, and the source of funds.
- A credible exit by sale or refinance within the term.
- For development exit, the sales evidence for the completed units.
- For stabilisation loans, the business plan, forecasts and lease position.
Pros and cons
Pros
- Loans up to £25m across all products.
- Terms up to 36 months on residential bridging.
- Lends to UK and overseas borrowers, including offshore entities.
- Offices in all four UK nations.
- Development exit, stabilisation and term options.
Cons
- No published LTV limits.
- No regulated bridging.
- No development or construction finance.
- Not designed for smaller loans.
Going through a broker vs going direct
Ortus works with brokers as well as direct borrowers. On larger and complex cases, the structure of the loan, the fees and the exit terms can matter as much as the headline rate, and different lenders will view offshore or high-value cases differently. We search the market, approach suitable lenders and present your case so you can compare offers clearly.
It is free to enquire, and any broker fee is agreed with you before you proceed.
Alternatives to Ortus Secured Finance
- Octane Capital: residential and commercial bridging for larger cases.
- Hilco Real Estate Finance: larger bridging loans on complex property.
- Maslow Capital: bridging and real estate lending at the larger end of the market.
- Offa: bridging on residential and commercial property.
Common questions
How much does Ortus Secured Finance lend?
Ortus lends up to £25m across its products. Its high-value single unit product runs from £5m to £25m.
Does Ortus lend to overseas borrowers?
Yes. Ortus lends to UK and non-UK borrowers, including private individuals, limited companies, partnerships and offshore entities.
Does Ortus offer development exit finance?
Yes. Its development exit loans refinance completed residential schemes for 3 to 24 months to give developers time to sell.
Does Ortus lend in Scotland and Northern Ireland?
Ortus has offices in Glasgow and Belfast as well as London and Manchester, and its residential bridging is secured on property across the UK.
Does Ortus offer regulated bridging?
No. Its residential bridging is unregulated and is for investment and business purposes.
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.
