Property finance.
Development finance from 0.84% pcm, bridging from 0.54% pcm, buy-to-let from 4.22% a year, commercial and business lending. Brokers, not lenders, across the North West.
Ways we help you fund.
Development finance
Staged funding to build, convert or refurbish. Released against work completed, sized on your finished value, repaid on sale or refinance.
02 / BridgingBridging finance
Short-term secured lending where speed decides the deal. Auction, refurbishment, land, bridge-to-let.
03 / Buy-to-letBuy-to-let
Company or personal buy-to-let, HMO, portfolio landlord and holiday let.
04 / CommercialCommercial property finance
Commercial mortgages for owner-occupiers and investors. Shops, offices, industrial, semi-commercial, mixed-use.
05 / BusinessBusiness finance
Asset finance, invoice finance, secured business lending, equipment finance.
06 / Second chargeSecond charge loans
Raise capital behind an existing mortgage on investment or commercial property, without disturbing the first charge. Companies and SPVs.
These are regulated consumer products, advised on by our qualified FCA-regulated partners rather than by Hunter Grey, which is not authorised by the FCA.
First-time buyer mortgages
Getting onto the ladder: deposit, affordability and the right lender for your circumstances.
Re-mortgages
Coming off a fixed rate or releasing equity: reviewing the market and moving you to a better deal.
Buy-to-let mortgages
Personal-name buy-to-let and portfolio lending, alongside the company and SPV route we arrange directly.
Second charge mortgages
Borrowing against the equity in your home without disturbing your existing first mortgage. Your home is at risk, and often a remortgage is cheaper.
05 / Later lifeEquity release
Later-life lending that lets homeowners access equity. A major decision with real effects on your estate and your benefits, so read the risks first.
Most finance brokers have never stood on a site. We have.
Hunter Grey has been developing and regenerating property across the North West for 22 years. Our finance arm exists because we spent two decades raising money for our own schemes and got good at it.
So when we read your numbers, we read them the way we read ours. We know which values a surveyor will cut, what a monitoring surveyor looks for, and why a scheme that stacks on paper can stall on site.
We're brokers, not lenders. We place your deal with whichever lender's appetite actually fits it, not the one paying us to fill a panel. Developers, landlords, businesses and homeowners alike, we find the funding that suits.
Rates from.
A starting point, not a quote. The rate on your deal depends on the security, loan-to-value, your experience and the lender's criteria. We confirm real terms after enquiry.
| Product | Rate from |
|---|---|
| Bridging | 0.54% pcm |
| Development finance | 0.84% pcm |
| Commercial | 6.24% pa |
| Buy-to-let | 4.22% pa |
| Mortgages | 4.50% pa |
| Remortgage | 4.57% pa |
Rates shown are "from" rates, correct as at 14 August 2026, and are subject to status, loan-to-value, security and lender criteria. They are not an offer or a personalised quote; a full quote follows your enquiry. Your property may be repossessed or receivers appointed if you do not keep up repayments on a loan secured against it.
What sits behind these numbers: bridging rates · company buy-to-let rates
A decline isn't a verdict.
- A decline isn't a verdict. When a lender turns your scheme down, they haven't judged it unfundable, they've judged it outside their current appetite. The same file often funds elsewhere at a similar price. Knowing which door to knock on is most of this job.
- We're independent. No lender owns us and no panel pays us to place business. Where a deal doesn't work on the terms you want, we say so early, while you can still restructure it, rather than run your file round the market and shred your credit profile.
- We present files the way credit committees read them. Appraisal, cashflow, build programme, exit, comparables. A well-prepared application isn't tidiness; it changes the terms you're offered.
- We come from development. Our group builds its own schemes across the North West, so we read your deal from the borrower's side of the table, not just the broker's.
Hunter Grey buys sites. We also fund the developers who build them.
You've spotted the obvious problem: why would you show your scheme to a firm that might want the site? Our position, in writing.
Your file stays with the finance team
Scheme details, site addresses, appraisals and vendor information are not passed to our development team. Not as a courtesy, as a term of doing business with us.
We will not bid on your site
We'll put that in writing before you send us anything, if you want it.
Any overlap, and we decline
If you're looking at a site we're under offer on, or already own, we'll tell you within a day and decline the mandate.
Reputation costs more than any site
We'd rather lose a deal than earn a reputation for reading developers' files. In this market that reputation would cost us far more than any single site is worth.
North West core. UK-wide reach.
North West England, our core market
Greater Manchester, Merseyside, Cheshire, Lancashire and Leeds. Gross development value is a local judgement. A lender who has funded schemes two miles from your site underwrites your comparables faster and more confidently than one who hasn't. Our own developments and our deepest lender relationships are concentrated here.
UK-wide
Development finance, bridging, commercial and business finance arranged across England and Wales. Scotland is a genuinely different market, with different lenders and a different legal process, and we arrange there too.
Tools: Bridging and development finance calculator: net advance, rolled-up interest and total cost of finance. No sign-up.
What we are, and what we are not.
We provide marketing, lead-generation and introductory services only. We are not authorised or regulated by the Financial Conduct Authority. We do not provide regulated financial, mortgage or equity-release advice, we do not make personal recommendations, and we do not lend money.
Regulated enquiries
Where you enquire about a regulated mortgage, lifetime mortgage, equity-release product or another regulated financial service, we may, with your consent, introduce you to one of our specialist partners. Regulated advice will be provided solely by appropriately authorised and regulated firms, or by appointed representatives acting under the responsibility of an FCA-authorised principal. Each partner is responsible for assessing your circumstances, providing the advice, and confirming whether a product is suitable for you.
Commercial finance enquiries
For commercial finance enquiries we may introduce corporate borrowers to third-party finance providers. Some commercial finance arrangements are not regulated by the FCA. The regulatory status of each transaction depends on its particular circumstances and will be confirmed before you proceed. Where an arrangement is unregulated, you may not have access to the Financial Ombudsman Service or protection from the Financial Services Compensation Scheme.
How we are paid
We may receive a commission or referral payment from a lender, finance provider or regulated partner following an introduction. This will not normally affect the amount you pay. Any fee payable directly by you will be clearly disclosed and agreed before you proceed.
About the information on this site
Information provided on this website is for general information only and should not be treated as financial, mortgage, legal or tax advice. Product availability, eligibility and terms are subject to individual circumstances and to the relevant provider's lending criteria.
- Your home or property may be repossessed if you do not keep up repayments on a mortgage or other loan secured against it.
- A lifetime mortgage is a loan secured against your home. It will reduce the value of your estate and may affect your entitlement to means-tested benefits. To understand its features and risks, ask your regulated adviser for a personalised illustration.
Tell us about the scheme.
We'll tell you honestly whether it funds, roughly where it prices, and what would need to change if it doesn't.
- Call0333 577 1988
- Emailinfo@huntergrey.co.uk
- WhatsApp07977 486886