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ScotLend Group logo

ScotLend Group

No Drama. Just Deals.

BridgingRefurbishmentLends on Land

Max LTV

75%

Interest from

0.95% pcm

Loan size

£30,000–£2m

Term

3–18 months

Charges

1st and 2nd

Areas

England, Wales and Scotland

Who they are

ScotLend Group is a specialist bridging lender headquartered in Scotland, founded by entrepreneur Sanjay Agarwal and finance expert David Travers. The business has scaled rapidly to become Scotland’s leading provider of security-based finance. Following significant equity backing in June 2024, ScotLend now lends across Scotland, England and Wales. The business is built on clear decision-making, transparency and a straightforward approach to lending, delivering reliable outcomes for brokers and borrowers without unnecessary complexity.

Their ethos

We look at the deal, not the postcode. ScotLend lends across the UK with a straightforward, common-sense approach to underwriting. Brokers deal directly with decision-makers and get clear answers without delay. We are well-funded, with capital ready to deploy, and focused on consistent delivery rather than promises. Transparency runs through every deal, from first conversation to completion. No smoke and mirrors, no unnecessary friction. Just a lender that does what it says it will do.

What they specialise in

We specialise in first- and second-charge bridging, refurbishment, auction and investment purchases anywhere in Great Britain, with no postcode exclusions. Brokers get a direct underwriting decision in one hour, not days.

Meet the team

David Travers

Founder & CEO

david@scotlendgroup.co.uk

Ruth Aimson

Head of Sales

ruth@scotlendgroup.co.uk

Mikie Butcher

Senior Business Development Manager

mikie@scotlendgroup.co.uk

Contact

Calder House, Suite 15, 8 South Caldeen Road, Coatbridge, ML5 4EG

www.scotlendgroup.co.uk

info@scotlendgroup.co.uk

Lending criteria

Funding model
Family office and institutional funding line
FCA regulated
No
Fixed/variable interest
Fixed
Treatment of interest & default interest
Retained or serviced
Sectors
Residential, commercial, mixed use, industrial, retail, HMO and land with planning
Max LTGDV
70% (refurb projects)
Max LTC
N/A
Min property value
Circa £60,000
Valuation retypes
Yes
Rental calculations & exposure
N/A
Types of valuation accepted
Full valuations, AVMs, retypes and Red Book
New builds
Yes
Heavy refurb
No
Grade listed buildings
Yes
Green/sustainable product
No
Planning permission needed
Case dependent
Commission rate
1% from arrangement fee
Associations/charters
N/A
Types of landlords accepted
Limited companies, individual, first-time and portfolio
Upfront fees
No
Broker portal
No
Early redemption charges
No
Investment
Yes
Owner occupied
Yes, depending on situation
Electronic signatures accepted
Yes for initial paperwork
Lending on land
Yes, with full planning (case dependent)

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

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