Pivot Finance

Pivot Finance are an established property lender that are based in Regent Street, London. Launched in 2012, Pivot was a spin-off of another successful property financier. The company offers bridging finance and development finance from £150,000 to £5 million for up to 12 or 15 months, with a maximum LTV of 70%. With a team of industry experts, they claim to have managed more than £500 million of UK property assets across 1,000 projects. Pivot are members of the ASTL and NACFB.



Minimum Age
Loan Value Available
£150,000 to £5 million
Loan Length
3 to 12 months (bridging) 3 to 15 months (development)
Typical Time to Fund
1 Week
Interest Rates
From 0.79%
Credit Check
All credit histories considered
Other Information
Up to 70% LTV
FCA License Number
  • Direct Lender
  • FCA Authorised
  • Secured Loan

Get a Quote

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Octagon Capital

3-4 Holborn Circus,
Holborn, London

Opening Hours

Monday to Friday
9:00 am to 18:00 pm

e: sales@octagoncapital.co.uk

Call us today 0333 414 1491

Residential and Refurbishment From Pivot Finance

If you are looking to renovate or refurbish an existing residential property, Pivot Finance can assist with the following terms:

Loan size: £150,000 to £5 million

Loan duration: 3 to 12 months

Max LTV: 70%

Arrangement fee: 2%

One would typically use this type of finance for refurbishments which could include changing the interior or exterior of an existing property. Whether it is adding a basement, loft conversion or additional rooms, the idea is to use the finance, secured against the property with the intention to increase the property’s value. Once completed, the building can be resold on the open market for a higher price, with the difference making up the developer’s profit. Equally, the property can be rented out to tenants and landlords can earn residual income by charging rent each month.

There is an arrangement fee of 2% which is standard for the bridging industry and covers administration costs such as paperwork and solicitors fees. However, Pivot Finance do not charge any fees for early redemption so if you wish to repay in full, before the 12-month loan term, you will not have any penalties or added fees for clearing your account early.

Other requirements include having a freehold and leasehold (with 75+ years left on lease) – if you are unsure how this works, please read our guide here. Pivot Finance state that they will consider adverse credit so even if you do not have a perfect credit score, your application may still be reviewed based on the property in question and its potential. Re-bridges and Grade II listed buldings are also considered too.

Who Pivot Finance Lend To

Development Finance From Pivot Finance

If you have a development project for a new or existing residential or commercial property, Pivot offer the following rates:

Loan size: £200,000 to £5 million

Loan duration: 3 to 15 months

Max loan to GDV: 65% gross

Max loan to cost: 85% gross

Arrangement fee: 2%

Instead of a LTV, development finance looks at the GDV which is the gross domestic value, in other words, what the value of the property will be worth when fully completed. This is usually broken down into construction costs (100%) and the cost of purchasing the land (50%). Property developers and investors may look at taking a fresh plot of land and building it up into homes or blocks of flats. Other opportunities include taking an existing home and turning it into a number of flats to rent out to tenants or resell on the open market for a higher price than purchased.

Pivot Finance state that ground up development considered i.e taking a fresh plot of land and that they will also consider sites which do not have planning permission yet. Similar to their bridging and refurbishment project, there are no exit fees if you wish to repay your loan in full before the end of the loan term.

Information You Require To Apply

  • Location of security;
  • Loan required;
  • Borrower type;
  • Estimated value of security;
  • Purpose of loan;
  • Exit strategy;
  • Additional security;
  • Term;
  • Schedule of works (refurbishment)

If you have any questions about applying with Pivot Finance, feel free to contact us here. We are partnered with Brightstar Financial, one of the leading brokers in the industry. With a team of experts, they will be able to discuss your requirements and help you proceed with your application.

This usually begins with providing details of your loan requirements and provided that it meets Pivot Finance’s criteria, they will be able to give an offer in principle in just a few hours to help you get your application moving. This is followed by some internal checks, a formal valuation of the property in question and some due diligence by both sets of solicitors before the funds can be officially transferred within a few days of approval.

Pivot Finance Company Information

Address: 3rd Floor Roxburghe House, 273-287 Regent Street, London W1B 2HA

Countries they operate: England, Scotland and Wales.

Member of: NACFB and ASTL 

Company no: OC364005

FCA authorisation number: 772243


Octagon Capital is the trading name of Tudor Lodge Digital Ltd which trades under company number: 10437769

Octagon Capital does not provide advice on regulated mortgage contracts or credit agreements, these are carried out by one of our independent FCA regulated associates. Octagon Capital acts as a Credit Broker with access to whole of market and does not act as a Lender.


Contact Us

Octagon Capital
3-4 Holborn Circus, Holborn
London EC1N 2HA
Find Us on Google Maps

Opening Hours
Monday to Friday
9:00 am to 18:00 pm

E: sales@octagoncapital.co.uk
T: 0333 414 1491