Goldentree Financial Services

Clear decisions, accountability and certainty.

BridgingDevelopmentRefurbishmentLends on Land

Max LTV

75% (bridging) / 65% (development)

Interest from

0.72% pcm

Loan size

£100,000–£10m

Term

Up to 12 months (bridging) / 24 months (development)

Charges

1st

Areas

England, Wales and Scotland

Who they are

Established in 2001, Goldentree is a short-term secured property lender based in Warrington. Goldentree specialises in bridging and development finance, lending between £100,000 and £10m. The company offers loan facilities at up to 75% LTGDV and up to 90% LTC on terms up to 24 months. They lend private cash for greater flexibility and speed. With Goldentree, there’s no valuation (they use their own people to save time and money) and they employ their own in-house solicitors for greater speed and less cost. Regulated deals can be processed through Goldentree’s sister company, Birchwood Mortgages Limited.

Their ethos

Goldentree’s ethos is to treat all brokers, clients and stakeholders fairly. It aims to respond to all enquiries as quickly as possible and always within 24 hours of receiving them. Goldentree doesn’t have complex funding lines; the company is backed by the family behind BetFred and has the cash ready to lend.

What they specialise in

Ground up development finance and residential bridging finance have been the core of what Goldentree does for the last 25 years. Goldentree relaunched its bridging offering in late 2025 and offers bridging loans at interest rates as low as 0.72% retained.

Meet the team

Scott Hannah

Head of Sales

scott.hannah@goldentreefs.co.uk

Ryan Hughes

Business Development Manager

ryan.hughes@goldentreefs.co.uk

Sam Wilson

Business Development Manager

sam.wilson@goldentreefs.co.uk

Contact

Unit 4a, Birchwood One Business Park, Dewhurst Road, Birchwood, Warrington, WA3 7GB

www.goldentreefs.co.uk

info@goldentreefs.co.uk

Lending criteria

Funding model: Private funding, backed by the family behind BetFred
FCA regulated: No (but sister company Birchwood Mortgages is)
Fixed/variable interest: Fixed
Treatment of interest & default interest: Rolled, retained, serviced
Sectors: Residential, commercial, bridging, ground-up development and light & heavy refurb
Max LTGDV: Bridging 75%; development 65%
Max LTC: 90%
Min property value: N/A
Valuation retypes: No
Rental calculations & exposure: N/A
Types of valuation accepted: Bridging: AVMs. Development: in-house valuations using our own team of in-house surveyors
New builds: Yes
Heavy refurb: Yes
Grade listed buildings: No
Green/sustainable product: No
Planning permission needed: No
Commission rate: Negotiable
Associations/charters: BDLA and NACFB
Types of landlords accepted: Limited companies, individuals and first-time developers
Upfront fees: Yes
Broker portal: No
Early redemption charges: No
Investment: Yes
Owner occupied: No
Electronic signatures accepted: No
Lending on land: Yes