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Ortus Secured Finance

Reliably supporting brokers always.

BridgingDevelopmentBuy-to-Let

Max LTV

70% (residential) / 60% (commercial)

Interest from

Circa 0.85% pcm (residential bridging)

Loan size

£250,000–£25m

Term

Up to 3 years

Charges

1st and 2nd (2nd only where makeweight security)

Areas

England, Wales, Scotland, Northern Ireland and Ireland

Who they are

Established in 2013, Ortus Secured Finance is a bank owned principal lender, part of Kvika Banki, providing structured real estate finance across the UK and Northern Ireland. With offices in London, Manchester and Belfast, we combine regional expertise with funding from £500,000 to £25 million. We focus on complex and transitional situations including operational real estate, offshore structures and evolving business plans. Typical completion timelines are 2 to 4 weeks. Ortus delivers certainty, flexibility and speed. We listen, then find a way.

Their ethos

Ortus Secured Finance takes a pragmatic, commercially-driven approach to lending, deploying its own capital as part of a well-capitalised banking group. We work with brokers and borrowers on complex transactions where structure, timing and certainty are critical. Our focus is on delivering flexible funding aligned to business plans rather than rigid criteria. By understanding each transaction, we provide dependable execution where traditional lenders cannot. Consistency, clarity and delivery underpin everything we do.

What they specialise in

Ortus Secured Finance provides structured finance across commercial and residential property, including development exit and stabilisation loans. We support complex situations across offices, industrial, hotels, care homes and mixed-use assets, delivering flexible structures and certainty of execution.

Meet the team

Jamie Russell

Commercial Director – London & Southeast

jamie@ortussecuredfinance.co.uk

Mel Howard

Relationship Director – Midlands & Wales

mel.howard@ortussecuredfinance.co.uk

Matt Boggan

Relationship Director – Yorkshire, Northwest, Northeast & Scotland

matt.boggan@ortussecuredfinance.co.uk

Rodger Long

Relationship Associate – London & Southeast

rodger.long@ortussecuredfinance.co.uk

Contact

Nations House, 103 Wigmore Street, London, W1U 1QS

www.ortussecuredfinance.co.uk

enquiries@ortussecuredfinance.co.uk

Lending criteria

Funding model
Bank-owned principal lender (part of Kvika Banki)
FCA regulated
No
Fixed/variable interest
Both
Treatment of interest & default interest
Can be serviced, retained, part-retained or interest roll-up
Sectors
Hotels and leisure assets, care homes, holiday lets, industrial/warehouses, office, retail, semi-commercial/mixed use, portfolios and residential
Max LTGDV
N/A
Max LTC
N/A
Min property value
N/A
Valuation retypes
Yes, subject to approved valuer and timescales
Rental calculations & exposure
N/A
Types of valuation accepted
Red Book
New builds
Yes – on development exit deals
Heavy refurb
No
Grade listed buildings
Yes
Green/sustainable product
No
Planning permission needed
Yes
Commission rate
Not stated
Associations/charters
Not stated
Types of landlords accepted
Limited companies, individual, first-time, portfolio, SSAs, charities and offshore
Upfront fees
No
Broker portal
No
Early redemption charges
No
Investment
Yes
Owner occupied
Yes
Electronic signatures accepted
Yes
Lending on land
No

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

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