01206 586580 | contactus@wpfinanceme.com

WP Property Finance

We have been helping our clients to achieve financial independence and realise their dreams of owning their own property for over 30 years

Why us?

  • We can advise on and arrange your residential mortgage or loan if you want to buy, move, improve or refinance
  • Your buy to let or investment property whether you are a first-time landlord, professional landlord, single dwelling, HMO or multi-unit
  • Buy, refurb, refinance or flips. Commercial to residential conversions, heavy refurbs and extensions
  • Ground up build, residential and commercial
  • Commercial and mixed-use term loans for trading companies and investors

Why use us for Bridging & Development Finance

We have developed a unique tool that can analyse the deal you send us. Is the deal profitable, after all fees and charges have been taken into account? Do you have enough up-front cash? How should you raise additional funds if needed? How might this impact on the profit? Should you sell rather than refinance, and how would this change the outcome? Are you making the right offer, or should you renegotiate? Should you fund the works yourself or borrow these from the lender? when should you use cross collateral or, are there better options? Should you be looking at revolving credit, and how does it work? Should you raise funds against your main residence and what are the risks and consequences of doing so?

And the property - does you current broker offer this?

An AVM to check the value? Property price comparables? Land registry checks, if required? check planning portals? Check Stamp Duty Land Tax fees? 

And, do they?

Run credit and background checks (with your permission of course) to ensure you are not going to fail with the lenders? provide conveyancing quotes? Valuation quotes? Offer really fast indicative terms?

Does your broker tell you if the deal is not financially sound or, highlight the potential problems you could run into? Most lenders tell us that most brokers don't because they don't want to lose the deal or their commission. It's not regulated, so no come back on them.

So, what do you want? to be sold to, or sound advice? if it's the latter, you should give us a call.

What do we offer?

  • A free consultation or assessment, quote and lending terms

With over 30 years of experience, brokers who are specialist in their areas we can help you to understand the property lending market. We are completely independent, and we’ll take you through the whole process

Who are we?

A family business started in 1990. Our offices are in Colchester, Essex. We are a team of experience dedicated individuals. We love what we do, get the job done efficiently which is why so many clients have been with us for so many years

We can help with...

Owner occupier - first time buyer, 2nd home or home mover, help to buy, capital raising for personal or business use, paying off debt, adverse credit, self-employed, let to buy. later life lending, retirement interest-only

Property investors - first time or experienced landlords, portfolio loans, commercial, development and bridging loans, 1st or 2nd charge, 100% loans with additional security

Special situations - converting property, refurbishment, buying land. Ltd Co.(SPV), multi-unit freehold, HMOs, auction purchase, lease options and more...


We hope you find the site both useful and informative. Over time our aim is to expand the site to offer more services.  We have tried to keep it simple so you can find what you need quickly.  If you cannot find what you are looking for please get in touch.  If you like what you see tell your friends, if you do not like what you see please tell us!

Should you have cause to complain, and you are not satisfied with our response to your complaint, you may be able to refer it to the Financial Ombudsman Service, which can be contacted at: The Financial Ombudsman Service, Exchange Tower, London, E14 9SR. http://www.financial-ombudsman.org.uk

Your home may be repossessed if you do not keep up repayments on your mortgage
The services we provide are bespoke and our fees will vary. A typical fee for a regulated mortgage, to cover the costs of packaging and submitting your application, would be £499. Our initial assessment is free and when this is complete we will confirm in writing exactly what we will charge. Our refund policy and further details are provided in our terms of business.
The Financial Conduct Authority (FCA) does not regulate some forms of mortgage