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StreamBank

Experience, Judgement, Solution.

BridgingDevelopmentFCA regulated

Max LTV

75%

Interest from

Not stated

Loan size

£100,000–£3m

Term

Regulated 0–12 months; non-regulated 3–18 months

Charges

1st and 2nd (2nd as a cross charge only)

Areas

England, Wales and Scotland (mainland)

Who they are

StreamBank is a UK specialist property lender with decades of combined experience across bridging, development and complex real-estate finance. Backed by a wider group of seasoned credit, legal and valuation professionals, our growing team delivers reliable results, typically completing deals in weeks rather than months under clear SLAs. We offer transparent pricing with no hidden costs, covering valuation, legal, exit and default considerations upfront, alongside straightforward application and set-up fees, and we regularly provide free valuations to maximise borrower value.

Their ethos

At StreamBank, our ethos is built on responsible, relationship-led lending that supports sustainable property outcomes alongside commercial performance. ESG principles are embedded into our credit thinking, with a clear commitment to ethical governance, efficient assets and positive social impact detailed within the ESG commitment available on our website. With capital ready to deploy, we combine disciplined underwriting with flexible decision-making, ensuring borrowers benefit from certainty of funding, speed of execution and long-term partnership thinking.

What they specialise in

StreamBank specialises in property lending across UK bridging and development finance, providing senior loans for residential, mixed-use and complex assets, including time-critical acquisitions, planning-led schemes and structured refinances, delivered with speed, certainty and clear credit-led decision-making.

Meet the team

Roz Cawood

MD Property Finance

rcawood@streambank.co.uk

Cherim Nicholls

Head of Compliance / MLRO

cnicholls@streambank.co.uk

Lorenzo Satchell

National Account Director

lsatchell@streambank.co.uk

Contact

StreamBank Customer Care Team, Capital Tower, 23rd Floor, Greyfriars Road, Cardiff, CF10 3AG

www.streambank.co.uk

customercare@streambank.co.uk

Lending criteria

Funding model
Bank deposits
FCA regulated
Yes
Fixed/variable interest
Fixed interest
Treatment of interest & default interest
Rolled and serviced; interest charged daily
Sectors
Residential, semi-commercial, commercial, HMO
Max LTGDV
70%
Max LTC
N/A
Min property value
£150,000
Valuation retypes
Yes
Rental calculations & exposure
N/A
Types of valuation accepted
AVMs, desktops, re-types, Red Book, etc.
New builds
No
Heavy refurb
Yes
Grade listed buildings
Yes
Green/sustainable product
No
Planning permission needed
Dependent on project/product
Commission rate
1.5%
Associations/charters
PRA, BDLA and NACFB
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
Electronic signatures accepted
Yes
Lending on land
No

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All news

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

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