Signature Property Finance is a specialist short-term property lender serving developers, landlords and property investors across mainland Great Britain. Its range covers ground-up development and conversions, light and heavy refurbishment, residential, semi-commercial and commercial bridging, a finisher facility and a revolving credit facility. Bridge & Build Finance is an independent broker and is not part of Signature Property Finance, so we can compare its terms with other lenders at the smaller end of the development market. You can read more on Signature Property Finance's own website.
About Signature Property Finance
Signature Property Finance describes itself as an alternative short-term property finance provider, recognised for reliability and customer service. It is a non-bank lender and states that it is not regulated by the Financial Conduct Authority and does not currently offer regulated loans or mortgages. All of its lending is on an unregulated first charge basis to individuals, partnerships and UK limited companies for business and investment purposes.
The lender shows membership of the NACFB and BDLA trade bodies on its website. Its recent deals cover South Wales, the South West, the Midlands and the North West, and it describes its coverage as nationwide across mainland Great Britain. Its website does not give a founding date or ownership details, so we have not stated them.
Signature is one of the lenders we compare for smaller development finance and refurbishment finance cases.
What Signature Property Finance funds
At the time of writing (October 2026), Signature lists the following products:
| Product | Key limits | Maximum term |
|---|---|---|
| Development funding | £250,000 to £3m; lower of 65% of gross development value or 80% of total costs; new builds and conversions of up to 15 units | 24 months |
| Heavy refurbishment | Up to 75% of purchase price or value plus 100% of works; end value up to 65%, total cost up to 80% | 18 months |
| Light refurbishment | As heavy refurbishment, but end value up to 70%; non-structural works under 20% of the property's value | 18 months |
| Residential bridge | From £100,000, up to 75% LTV | 18 months |
| Semi-commercial bridge | From £100,000, up to 70% or 75% LTV depending on the commercial share | 18 months |
| Commercial bridge | From £100,000, up to 65% LTV | 18 months |
| Finisher facility | £250,000 to £3m, up to 70% of value, secured on other unencumbered residential property | 12 months |
| Revolving credit facility | £100,000 to £1.5m, secured on unencumbered property, for experienced landlords and developers | 12 months |
On development loans, Signature can fund up to the full build cost within its limits, and it asks developers to budget a contingency of at least 10%. Heavy refurbishment must have planning in place where needed and cannot include demolition or ground-up building. The finisher facility can help a developer complete a scheme by borrowing against other property they own. Signature does not lend on bare land, non-standard construction, hotels, pubs or nursing homes.
See our guides to finish and exit finance and revolving bridging facilities.
Who Signature Property Finance suits (and who it may not)
Signature tends to suit:
- Small developers building or converting up to 15 units.
- First-time developers, considered case by case, especially builders and tradespeople with relevant experience.
- Landlords and investors refurbishing property.
- Developers who need extra money to finish a scheme and own other unencumbered property.
- Experienced landlords who want a revolving facility for repeat purchases.
It is not suitable for regulated bridging, for borrowers with recent CCJs, defaults or mortgage arrears, for schemes larger than £3m, or for property in Northern Ireland. Bare land purchases are not funded.
What Signature Property Finance looks at
Signature publishes its general criteria. It looks for:
- A clear exit by sale or refinance.
- Clean credit for the last three years, with older issues assessed case by case.
- Freehold or long leasehold property with at least 60 years remaining.
- For companies, personal guarantees from directors or shareholders and a debenture.
- For development, relevant experience, a cost plan with contingency and planning consent.
Pros and cons
Pros
- First-time developers considered.
- Up to 100% of build or refurbishment costs funded within its limits.
- A finisher facility and a revolving credit facility, which few small lenders offer.
- Lends in England, Wales and mainland Scotland.
- Accepts individuals as well as companies.
Cons
- Development loans capped at £3m and 15 units.
- No regulated lending.
- Strict recent credit requirements.
- Bare land and several property types excluded.
Going through a broker vs going direct
Signature works with brokers on most of its cases, and some products, such as its revolving facility, are only available through professional intermediaries. Small development and refurbishment loans vary widely in fees and structure, so it is worth comparing. We search the market, approach suitable lenders and present your project clearly.
It is free to enquire, and any broker fee is agreed with you before you proceed. Our first-time developer finance page explains what lenders look for if this is your first scheme.
Alternatives to Signature Property Finance
- Heritage: a self-funded lender offering smaller development, refurbishment and bridging loans.
- Roma Finance: bridging, refurbishment and development finance for smaller projects.
- Lowry Capital: bridging and development lending at the smaller end of the market.
- Goldentree: development finance including smaller schemes.
Common questions
How much does Signature Property Finance lend for development?
At the time of writing, its development funding ranges from £250,000 to £3m for schemes of up to 15 units, at the lower of 65% of gross development value or 80% of total costs.
Does Signature lend to first-time developers?
Signature says first-time developers will be considered. Relevant experience, such as working in the building trades, helps.
Where does Signature Property Finance lend?
Signature lends in mainland England, Wales and Scotland.
What is a finisher facility?
It is a loan secured on other unencumbered residential property you own, which can provide the money needed to complete a scheme. Signature offers it from £250,000 to £3m for up to 12 months.
Does Signature offer regulated bridging?
No. Signature states that it does not currently offer regulated loans or mortgages.
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.
