StreamBank is a UK bank focused on specialist property finance and savings. It lends to property investors, landlords, homeowners and developers through bridging loans, refurbishment bridges and development bridging, and it is one of the bank lenders that offers regulated bridging. Bridge & Build Finance is an independent broker and is not part of StreamBank, so we can compare its terms with other bridging lenders. You can read more on StreamBank's own website.
About StreamBank
StreamBank PLC is a company registered in England and Wales with its registered address in Cardiff. It describes itself as a specialist UK lending and savings bank focused on property finance. Its own material says its bridging business began in 2018, before the bank received its full banking licence, and that it grew out of the group behind the online trading platform ActivTrades. It is privately owned by a single shareholder.
StreamBank is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the PRA. It funds its lending through retail savings, mainly fixed-term bonds and notice accounts. Its annual report for the year to March 2025 shows loans to customers of around £157m, so it is a smaller bank than many of its competitors.
StreamBank works only through brokers and intermediaries. It is one of the lenders we compare for bridging loans and regulated bridging.
What StreamBank funds
At the time of writing (October 2026), StreamBank's bridging product guide (version 12, March 2026) sets out the following. Loans run from £100,000 to £3m on first charge, or a first and second charge combination, secured on property in England, Wales or Scotland.
| Product | What it is for | Key limits |
|---|---|---|
| Residential bridging | Purchases, chain breaks and capital raising, regulated or unregulated | Up to 75% LTV; up to 18 months, or 12 months if regulated |
| Prime residential bridging | Lower-risk cases with no adverse credit, no re-bridge, no refurbishment and no debt consolidation | Up to £2m at 65% LTV, or up to £3m at 50% LTV, single first charge |
| Adverse credit and re-bridges | Borrowers with adverse credit or refinancing an existing bridge | Up to 70% LTV |
| Residential refurbishment | Light works (up to 25% of current value), medium works (26% to 100%, floor area not increased by more than 25%) and heavy works (over 100%, needing planning or drawdowns), regulated or unregulated | Up to 75% LTV; heavy works up to 75% day one and 70% of gross development value |
| Commercial bridging (unregulated) | Commercial purchases, light works or change of use | Up to 70% LTV; heavy works up to 65% day one and 60% of GDV |
| Development bridging (unregulated) | Finish and exit on small schemes of up to three homes, exit from completed schemes, and larger development schemes, all for experienced developers | Up to 65% LTV (70% on development exit) |
StreamBank says interest is calculated daily with no monthly payments required, and that automated and desktop valuations may be used where applicable. A realistic and viable exit is required on every loan. Finish and exit loans are not for a developer who plans to live in the property.
Regulated bridging is a regulated mortgage contract and carries the protections of FCA mortgage rules. See our guides to chain break bridging, heavy refurbishment finance and development exit finance.
Who StreamBank suits (and who it may not)
StreamBank tends to suit:
- Homeowners who need a regulated bridge from a bank, for example when buying before selling.
- Property investors buying, raising capital on or breaking a chain on residential property.
- Landlords carrying out light, medium or heavy refurbishment, including on a regulated basis.
- Borrowers with some adverse credit, or who need to re-bridge.
- Experienced developers finishing or exiting a scheme.
It is less likely to suit loans over £3m, terms longer than 18 months, first-time developers, property in Northern Ireland, or borrowers who want to deal with the lender directly, as it works only through intermediaries.
What StreamBank looks at
As a bank, StreamBank will carry out full underwriting on each case. Its guide and the way it prices cases show that it will typically look at:
- A realistic and viable exit, by sale or refinance.
- The value of the property, by full, desktop or automated valuation depending on the case.
- The borrower's credit history, with prime, standard and adverse cases treated differently.
- For refurbishment, the cost of works as a share of current value and whether planning is needed.
- For development bridging, the borrower's experience and the stage of the scheme.
For regulated bridging, it will also assess affordability and suitability under FCA mortgage rules.
Pros and cons
Pros
- A bank regulated by the PRA and FCA.
- Regulated and unregulated bridging, including regulated refurbishment.
- Up to 75% LTV on residential bridging and refurbishment.
- Light, medium and heavy refurbishment, with heavy works up to 70% of GDV.
- Options for adverse credit and re-bridging.
Cons
- Maximum loan of £3m.
- Maximum term of 18 months (12 months regulated).
- Development bridging only for experienced developers.
- Broker-only, so no direct applications.
Going through a broker vs going direct
StreamBank lends only through brokers and intermediaries, so you will need a broker to apply. Bridging terms vary between banks and specialist lenders on fees, interest calculation and how adverse credit is treated, so comparing several offers is worthwhile. We search the market, approach suitable lenders and help you package the case.
For regulated bridging on your own home, advice must come from an FCA-authorised adviser. It is free to enquire, and any broker fee is agreed with you before you proceed.
Alternatives to StreamBank
- Market Harborough Building Society: regulated bridging from a building society.
- United Trust Bank: regulated and unregulated bridging from a specialist bank.
- Glenhawk: bridging including regulated loans.
- MT Finance: residential and commercial bridging, including regulated cases.
Common questions
Is StreamBank a bank?
Yes. StreamBank PLC is a UK bank authorised by the PRA and regulated by the FCA and PRA, funded by retail savings.
Does StreamBank offer regulated bridging?
Yes. StreamBank offers regulated bridging, including regulated refurbishment, on a home the borrower or their family lives in, with terms of up to 12 months.
How much can I borrow from StreamBank?
At the time of writing, its bridging loans run from £100,000 to £3m, up to 75% LTV. Prime cases are limited to £2m at 65% LTV, or £3m at 50%.
Does StreamBank consider adverse credit?
Yes. StreamBank considers adverse credit and re-bridges, up to 70% LTV and priced differently from its standard and prime cases.
Can I apply to StreamBank directly?
No. StreamBank says it works only through brokers and intermediaries.
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.
