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Morpheus Lending logo

Morpheus Lending

Simplifying the borrowing journey.

BridgingRefurbishmentLends on Land

Max LTV

85% (light refurb) / 75% (residential)

Interest from

0.89% pcm

Loan size

£50,000–£5m

Term

3–18 months

Charges

1st (2nd subject to a 1st charge on other security)

Areas

England and Wales

Who they are

Morpheus Lending is a bridging lender on a mission to modernise the specialist lending market, through a digital-first approach backed by extensive human experience. The business delivers fast, reliable outcomes, with average completions achieved in 7–10 days rather than weeks. This comes with prompt commercial decision-making throughout, and access to key senior teams. Morpheus’ relationship-first approach to solving client problems, supported by market-leading technology, is a key factor in its recent £120m fundraise and its growth since launching.

Their ethos

Morpheus Lending’s ethos is built around certainty, transparency and responsible lending which delivers fast and dependable outcomes – all whilst maintaining a pragmatic, commercial approach. The business is committed to supporting its local community with various partnerships and charitable causes across Salford, Manchester and Lancashire. Morpheus Lending has significant committed capital available to deploy throughout the 2026/2027 period, enabling further technological enhancements and consistent support for brokers and borrowers across bridging and further afield.

What they specialise in

Morpheus Lending specialises in standard bridging finance across all asset types, as well as below-market-value transactions and light refurbishment loans up to 85% LTV. They complete transactions in as little as seven days, supported by dual representation legals and free AVMs. They also provide auction-assured funding.

Meet the team

Matt Mawdesley

CEO & Founder

matt@morpheuslending.co.uk

James Dewey

Senior Business Development Manager

james.dewey@morpheuslending.co.uk

Stuart Dunk

Finance and Treasury Director

stuart@morpheuslending.co.uk

Sonny Gohel

Head of Operations

sonny@morpheuslending.co.uk

Contact

Ministry of Work, 41 New Cross Street, Manchester, M27 4TU

www.morpheuslending.co.uk

enquiries@morpheuslending.co.uk

Lending criteria

Funding model
Institutional funding lines
FCA regulated
No
Fixed/variable interest
Fixed
Treatment of interest & default interest
Retained, serviced and hybrid interest – no exit fees charged on redemption. Daily rate – interest charged on redemption. Loan extensions available
Sectors
Residential, commercial and semi-commercial
Max LTGDV
N/A
Max LTC
80% plus all transaction costs on BMV
Min property value
£65,000 residential; £150,000 commercial
Valuation retypes
Yes
Rental calculations & exposure
N/A
Types of valuation accepted
AVMs, Red Books, short forms and desktops
New builds
Yes, subject to build control sign-off and new build warranty at completion
Heavy refurb
No
Grade listed buildings
Yes
Green/sustainable product
Yes
Planning permission needed
No
Commission rate
Flexible, based on requirement and case-by-case
Associations/charters
FCA Annex I
Types of landlords accepted
Individuals, first-time owners, limited companies, LLPs, sole traders, partnerships, SIPPs & SASSs and trusts
Upfront fees
No
Broker portal
Yes
Early redemption charges
No
Investment
Yes
Owner occupied
No
Electronic signatures accepted
Yes
Lending on land
Yes, on land with planning

Read more

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Lender information courtesy of The Lender Index by Bridging & Commercial.

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