Our Why

As a key motivator for our team, we track each one of our Whys to ensure we deliver on these promises and provide the best version of our service and selves to you all. You can see below just a few testimonials from our co-investors to team members on ways that we are honouring our mission to maintain our Whys.

We echo the increasing call for a more caring form of doing business, where people matter as much as profits, where companies’ impacts on the environment are taken seriously, and where companies giving back to communities is central to their mission rather than ticking a CSR box. We hope this page shows we take our responsibilities seriously as we strive to be part of the solution.

1.

We aim to support hundreds of entrepreneurial developers create dream properties for renters or buyers

The Team at Think are extraordinary and professional with step-by-step support and management along the way. The rates of lending coupled with the team behind Think, continuously make it an attractive and assured borrowing process. we would have no hesitation in continuing to place our funding with Think Property Finance and we are happy to continue on this journey
J.D
GPML Construction, Direct Borrower

2.

We aim to give our investors a decent return on their hard-earned money, including many of our team members, well beyond typical bank deposit rates

I started investing with think around three years ago and have found the company to be very professional ethical and extremely informative. I believe their business model is excellent and I have every confidence in investing with them and continue to enjoy the benefits of placing my money with them. If you are frustrated with low interest rates from banks and building societies and want to make your money work harder for you then do not hesitate to consider investing with this company!
J.D
Current Co-Investor

3.

We aim to give bright, energetic, ethical people a chance at a new career as we build our team outside of normal hiring routes for careers in finance.

Think gave me the opportunity as a first-time graduate to get my foot in the door within a field enables longevity with my career while also allowing me to utilise my law degree. They have provided me with so much support in a thriving environment and I'm very excited to see not only the personal growth at Think but to also see the company growing to great heights.
J.D
Amber Khan, Loan Coordinator

4.

We will give 10% of our pre-tax profits to worthy causes in our communities.

[Think's donations] will allow hundreds of vulnerable individuals in Toronto to receive the pain-relieving dental care that they urgently need. It’s wonderful and encouraging to see how TPF is committed to giving a proportion of their profits to help support community endeavours such as ours.
J.D
Dr. Amanda Morel, Filling the Gap

Senior Development Loan

Purchase Costs
(up to)
1 %
Development Costs
(up to)
1 %
max Loan
£ 1 m
max LTGDV
1 %
month Term
1- 2
from Rate
(per month)
0. 0 %

Senior Development Loan

We provide Senior Development Loans for up to 18 months on almost any residential project with development costs under £1.5m. As we lend on small- to medium-sized projects, we’re still able to complete in market-beating times where required.

SIMPLE

Apply for a loan in a matter of minutes

FLEXIBLE

We’ll work with you to provide the loan you need

FAST

Receive funding from within two weeks if required

Case Study

One such Senior Development Loan was against a block of new-build apartments in Poole. The development proposal changed during the loan, and our flexibility enabled us to meet the borrower’s changing needs during the term.

Light Development Loan

Purchase Costs
(up to)
1 %
Development Costs
(up to)
1 %
max Loan
£ 1 m
max LTGDV
1 %
month Term
1- 2
from Rate
(per month)
0. 0 %

Light Development Loan

If you have a project – involving a major refurb, conversion or extension – and require funds for both the purchase (i.e. on day 1) and the development work (i.e. loan drawdowns), then our Light Development Loan is for you. Even with drawdowns, we make the process as simple as possible. And for these projects, we typically don’t even require monitoring surveys, either.

SIMPLE

Apply for a loan in a matter of minutes

FLEXIBLE

We’ll work with you to provide the loan you need

FAST

Receive funding from within two weeks if required

Case Study

On this loan, we had a borrower who required a Light Development Loan to purchase an ex-semi commercial unit to convert into flats. They needed funds very quickly, and we were able to structure a deal to provide the loan needed.

Auction Bridging Loan

max LTV
1 %
max Loan
£ 2 m
month Term
1- 2
from Rate
(per month)
0. 0 %

Auction Bridging Loan

If you have your eyes set on a property soon to go under-the-hammer, then our Auction Bridging Loan enables you to go into the auction with confidence. We’ll arrange terms with you up front, so that you know exactly what you can afford to pay. And given the speed with which we complete on loans, delivering on the finance after you’ve secured the property won’t be a problem.

SIMPLE

Apply for a loan in a matter of minutes

FLEXIBLE

We’ll work with you to provide the loan you need

FAST

Receive funding from within two weeks if required

Case Study

Here we had a borrower looking to purchase an HMO at auction. We agreed terms upfront, and after the borrower was successful at auction, we completed just a few days later.

Residential Bridging Loan

max LTV
1 %
max Loan
£ 1 m
month Term
1- 2
from Rate
(per month)
0. 0 %

Residential Bridging Loan

If you’re looking for a straightforward, short-term loan against a UK property that you own – or are about to purchase – then our Residential Bridge is for you. We provide terms up to 15 months to help you bridge your funding gap, whether it’s a house sale, refinance, or an other source of funding that’s just a few months down the road.

SIMPLE

Apply for a loan in a matter of minutes

FLEXIBLE

We’ll work with you to provide the loan you need

FAST

Receive funding from within two weeks if required

Case Study

Here’s an example of one of our Residential Bridging Loans, on a house in Croydon. Our borrower needed a 6 month loan to purchase a property before selling it on to other developers.

Refurb Bridging Loan

Purchase Costs
(up to)
1 %
max Loan
£ 2 m
max LTGDV
1 %
month Term
1- 2
from Rate
(per month)
0. 0 %

Refurb Bridging Loan

Our Refurb Bridging Loan is for projects where the borrower is looking to refurbish, convert or extend a property. We provide up to 70% of the purchase price on day 1, and the borrower then provides the funding themselves for any work required. Because of this, developers typically love this product when the refurb or conversion costs are small, as it enables them to maximise their day 1 funding.

SIMPLE

Apply for a loan in a matter of minutes

FLEXIBLE

We’ll work with you to provide the loan you need

FAST

Receive funding from within two weeks if required

Case Study

We recently lent to a developer who was looking to convert a house in Oxfordshire into an HMO. They had the funds for the conversion, so just needed as much on day 1 to help with the purchase costs. We provided 70% LTV even though another lender had down-valued the property.