Cohort Capital launches residential bridging product

Cohort Capital has launched a new unregulated residential bridging product – marking its debut with two completions in prime central London totalling £6.65 million.

Designed specifically for experienced investors and developers, the product is available to UK SPVs and offshore entities, offering loans from £1 million to £5.5 million. With terms of up to 18 months and LTV ratios up to 70%, borrowers can choose between serviced or rolled-up interest, with rates starting at 0.79% at lower leverage levels. Introducers benefit from tiered procuration fees between 0.50% and 2.00%, depending on the quantum introduced.

The facility is available across key cities and regional hubs in England and Wales, and is suitable for acquisition, bridge-to-sale or refinance, equity release, and development exit scenarios.

To launch the product, Cohort has completed two deals:

• A £2.79 million equity release for a UK borrower, secured against a 2,275 sq ft Grade II listed property in central London. The 18-month loan will allow time for light refurbishment prior to resale.
• A £3.86 million facility for a BVI-based SPV, secured against a five-bedroom freehold townhouse in South Kensington, arranged as a 12-month loan to support liquidity requirements.

Since 2019, Cohort has deployed over £1.2 billion across complex bridging, structured, and term finance transactions.

Matt Thame, founder and CEO of Cohort Capital, commented: “Our new residential bridging product reflects our ongoing commitment to backing experienced borrowers with bespoke, well-priced capital.

“We’ve built a strong track record by acting quickly, structuring intelligently, and delivering consistency – even through market headwinds. This product is an extension of that philosophy and positions us to better serve the £1m–£5.5m residential segment while continuing to support larger commercial real estate loans across the £6m–£100m range.

“Our capital base, backed by retained equity and robust loan performance, gives us the flexibility to offer some of the most competitive terms in the market.”