The property is the problem
No kitchen, no bathroom, short lease, mixed use, part-built, structural issues, above a takeaway. Every one of those is routine to a specialist lender and fatal to a high-street one.
Specialist property finance
The deal isn’t dead. It hasn’t been structured yet.
Noble Life Private Finance arranges bridging, development and commercial funding for professional property investors and developers, including cases that have been declined elsewhere.
Complex and time-sensitive property deals
23 years arranging specialist finance
One working day to a structured view
As a mortgage is secured against your home or property, it could be repossessed if you do not keep up repayments on your mortgage or any other debt secured against it.
The Financial Conduct Authority does not regulate some forms of Bridging Finance, Development Finance, Commercial Finance and Auction Finance.
23years broking specialist finance
1 dayto a structured view of your case
MayfairBerkeley Square House, W1J
Why specialist structure matters
We believe many refusals come down to how a case is presented, not the deal itself.
Our approach is to start with the deal, work backwards from the exit, then match the structure to a lender whose criteria fit your needs and objectives.
The clock is the problem
An auction completion in 28 days, a chain about to break, or a vendor who will not wait. Speed is not a bonus in these cases. It is the whole deal.
The structure is the problem
Multiple securities, a company borrower, an unusual exit or a second charge behind an existing facility. In our experience these are often declined for how they were presented, not for what they are.
Finance solutions
Specialist funding, structured around the exit
Every facility is arranged with the way out already mapped, because the exit is what makes a bridge safe and what makes a lender comfortable.
Bridging finance
Short-term funding for chain breaks, below-market buys, unmortgageable stock, refurbishment and lease extensions.
Discuss a bridgeDevelopment finance
Ground-up schemes, conversions and heavy refurbishment, arranged in stages against build costs and drawdowns.
Discuss developmentAuction finance
Funding structured for a 28-day completion, arranged before you bid so you know your ceiling in the room.
Prepare before biddingCommercial finance
Commercial and semi-commercial mortgages, portfolio refinance and facilities secured against property.
Explore commercial financePrivate banking
Introductions and facilities for high-net-worth clients where the whole balance sheet matters.
Discuss private bankingExit & refinance
Bridge coming to term? We look at term refinance, restructuring or a replacement bridge with the runway you need.
Plan the exitWhy Noble Life
What 23 years of lender relationships is worth
Rate is one variable. On a deadline-driven deal it is rarely the one that decides whether you complete.
Lending without a valuation
Selected lenders will lend without a physical valuation on suitable cases, which can remove a major cause of delay in a bridge.
Valuation fees refunded
Some lenders refund the valuation fee on completion, so the up-front cost of exploring the deal comes back to you.
Speed backed with money
At least one lender on our panel pays the borrower £2,000 if they fail to complete within two weeks. That is their confidence, in writing.
Important: These are examples of terms available from particular lenders at particular times. They are not an offer, are not available on every case, and are subject to lender criteria, valuation, legal work and full underwriting.
Harpreet S Chadha · Founder · 23 years in specialist finance
Meet the broker
“There is almost always a solution. Knowing how to structure the deal is what gets it funded.”
Harpreet S Chadha has spent 23 years arranging complex finance for professional property investors and developers. Not a call centre, not a form that vanishes into a panel. You deal with the broker who structures and places the case.
We believe that experience gives you two things a comparison site cannot: knowing which lender may say yes to your specific situation, and knowing how to present the case to give it the best chance. No outcome can be guaranteed.
Harpreet S Chadha
Founder 23 years
In specialist finance Award-winning
Specialist finance broker
Founder 23 years
In specialist finance Award-winning
Specialist finance broker
A straightforward process
From enquiry to structured view in one working day
1
Tell us the deal
Six questions on the form: what you are funding, where the security is, what it is worth and when you need the money.
2
Harpreet reviews it
A short call for the detail a form cannot hold: the exit, structure, deadline, what has already been tried and where it fell over.
3
You get a structured view
Which lenders fit, what terms look realistic, what the case needs to say to get through underwriting, and a straight answer if we do not think it is fundable.
Frequently asked
Questions we get asked most
What does this cost me?
The initial conversation and structured view cost you nothing. If you go ahead, fees depend on the lender and the complexity of the case: typically a lender arrangement fee, broker fee, plus valuation and legal costs. Every fee is set out in writing before you commit.
How quickly can funds actually be released?
On a straightforward bridge with a clean title and responsive solicitor, days rather than weeks, and some lenders will move inside two weeks. Realistically the two things that set the pace are the valuation and the legal work.
My case was declined elsewhere. Is it worth asking again?
Usually, yes. A decline from one lender is information about that lender’s criteria, not a verdict on your deal. What matters is whether the case has been taken to the right part of the market and presented properly.
Do you lend your own money?
No. We are an independent brokerage, not a lender. We are not tied to any bank or funding line, which means we are free to place your case wherever it fits best.
What kind of cases do you not take on?
We arrange finance secured on property in England, Scotland and Wales, where the security is worth at least £250,000. We do not take on cases secured outside mainland UK, and we are unable to act for anyone with a conviction for fraud or money laundering.
Do I have to be a professional investor?
Most clients are experienced investors, developers and business owners. If you are earlier in your journey and the deal is sound, have the conversation anyway. We will tell you honestly whether it is one for us.
Ready to discuss your deal?
Bring us the deal everyone else handed back
Six questions, one working day, a straight answer either way. No credit check and no obligation.
