Home – Pioneer Finance

Specialist Property Finance.

Extensive Knowledge. Extensive Experience.

Why we are different.

With 18 years experience in specialist property finance we help property professionals with their bridging, development ,purchase and remortgage requirements.

We use our extensive knowledge and experience to make the borrowing process as simple, clear and as fast as possible – putting you in control.

We work with major banks,building societies,specialist,niche and new lenders.

At Pioneer, it is all about providing an exceptional level of service whilst getting the right decision for you, as quickly as we can.

All Circumstances Considered

First time Landlords, Experienced Landlords, Limited Companies, Ex Pats, Foreign Nationals, No Minimum Income Proof, No Maximum Age, Interest Only, 85% LTV, Free valuation, Free Legals

All Circumstances Considered

First time Landlords, Experienced Landlords, Limited Companies, Ex Pats, Foreign Nationals, No Minimum Income Proof, No Maximum Age, Interest Only, 85% LTV, Free valuation, Free Legals

Get A Quote

All Properties Considered

Flats, Houses, HMO's, Multiple flats on one title Commercial buildings, Land and buildings with planning permission, Permitted Development Rights

All Properties Considered

Flats, Houses, HMO’s, Multiple flats on one title Commercial buildings, Land and buildings with planning permission, Permitted Development Rights

Get A Quote

Flexibility

We have lenders that look at each case individually. With a common sense approach to each loan means we are often able to structure a deal, where other lenders may not.

Flexibility

We have lenders that look at each case individually. With a common sense approach to each loan means we are often able to structure a deal, where other lenders may not.

Get A Quote

Short Term and Long Term Loans

We have a loan for every type of situation. From a 1 day bridging loan to a 35 year buy to let to a 25 year commercial term loan.

Short Term and Long Term Loans

We have a loan for every type of situation.

From a 1 day bridging loan to a 35 year buy to let to a 25 year commercial term loan.

Get A Quote

Competitively Priced

Offering market leading rates for all types of loans.

Competitively Priced

Offering market leading rates for all types of loans.

Get A Quote

No limits on property portfolio

We have no such restrictions, we can assist professional landlords who wish to expand their property portfolios.

No limits on property portfolio

We have no such restrictions, we can assist professional landlords who wish to expand their property portfolios.

Get A Quote

Recently completed

Pioneer Finance arranged a £1.8m acquisition and refurbishment bridge. The lender assisted the borrower (an experienced contractor) during the contractual notice period and managed the vendor to save the customer from losing a £100,000 deposit. The loan was completed from start to finish in circa 10 days and the lender was able to rely on a previous lender’s valuation report.

The property, a townhouse in Chiswick, London W4, benefits from planning permission to be converted into 5 flats. GDV is likely to be in the region of £3.4m with an average unit price of approximately £700,000. The transaction took place by way of a corporate transfer, with the shares in the company owned by a Malaysian company which added a degree of complexity which the lender was able to work through.

Neil Harris of Pioneer Finance said: “Our lending partner has really rescued my client, the team worked hard to get the deal over the line and moved mountains to save the client, who is very grateful. They delivered yet again.” Harris added: “This is the third deal we have closed together in a little over a month with another three due to be completed shortly.”

– Phil Berry and Chris Nelson of Teacher Stern acted for the lender – Lorna Hegarty at DWS acted for the borrower – Neil Harris of Pioneer Finance introduced the business – Cluttons provided the RICS red book valuation ”

Pioneer Finance the bridging and development specialist has arranged a £400k refurbishment bridge to a first-time developer secured against a property in Sunbury, Middlesex. The borrower is a quantity surveyor and project manager but has not yet carried out his own developments.

The property, which is a semi-detached house in a pleasant suburban street close to the BP campus, benefits from planning permission for an additional 1,100 sq ft 2-bed house, delivering a combined GDV of £900,000. The borrower is refurbishing the existing house and will sell this once refurbished; the profits from which will go towards building the new house.

Neil Harris, of Pioneer Finance, who introduced the deal to the lender said: “I am delighted to close this deal with this lender who worked with a tight deadline to get the deal closed. It is the first of 4 completions I have coming up this month with them. I like working with them because they deliver on their promises and I can get direct access to decision-makers like and I hope to get more deals closed with them this year.”

The principals of the lender said: “We are delighted to close our first deal with Neil. He is a great broker and we are excited to help him and his clients in any way we can. The customer is making the start of his development journey and we are really pleased to help him make his first steps.” The lender added further: “We remain on track to hit our £50m lending target and would urge introducers and brokers to get in touch with any cases in Southern England, small or large. We have exceptional structuring capabilities and can deliver up to 100% LTC solutions for developers and property entrepreneurs.”

The lender was represented by Daniel Fireman at Howard Kennedy

The customer was represented by Lorna Hegarty at DWS Legal

Pioneer Finance the bridging development refurbishment specialist has arranged a circa £800k loan facility to a local developer. The funding allowed the borrower, a highly experienced contractor and developer, to release funds to repay a junior and senior lender in a very tight timeframe.

The property, in Bishops Stortford (Hertfordshire), is currently a mixed-use leisure complex with a restaurant on the ground floor and gymnasium on the ground and first floors. The borrower plans to turn the existing gym into six one-bed apartments and retain a smaller gym on the ground floor. The property is fairly unique, being a grade II listed former maltings dating back to the 1850s, complete with two oast stacks, which the customer plans to use as a central feature in some of the apartments.

The lender said: “We are thrilled to have closed this deal with the borrower. Their plans for the future are exciting and should be a huge success; we are delighted to have helped them on their way. We would be happy to fund them again should they need it and we hope to assist the customer in funding the conversion of the property in the coming months.”

The lender commented: “We are also pleased to have closed yet another deal with Neil Harris. Mr. Harris has proven to be a great broker and we’d be happy to work with him again in the future.”

Neil Harris, of Pioneer Finance, said: “Our lender partners are always on their game and completed the deal fast and efficiently. I trust this is another of many more deals to come and look forward to continuing to develop a strong relationship with them”

The lender was represented by Phillip Berry and Laura Brown of Teacher Stern LLP.

The borrower was represented by Ross Wiltshire of Ellisons Solicitors.

Business Terms

This website is directed at professional property landlords only and should not be relied upon by any other persons.

Our charges are based on two considerations, the loan amount and complexity of your individual circumstances. We will provide you will a free initial consultation and we will always inform you of our charges before you choose to proceed with an application. As we offer a bespoke service our charges can vary. Our standard fee is £499 on application which is non refundable when you make an application and 1% of the loan amount when the mortgage offer is produced. (For example if the loan amount is £200,000 the application fee would be £499 and £2000 when the offer is produced.)

Fees for non regulated mortgages can vary depending on your requirements and circumstances.

Please contact us directly for more guidance.

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP THE REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.

Pioneer Finance is authorised and regulated by the Finance Conduct Authority (no 544132) to transact regulated mortgages. The FCA does not regulate some investment mortgage contracts.

Specialist Property Finance Since 1999

Buy To Let, Development, Commercial, Bridging and 100% Joint Venture Finance

Specialist Property Finance.

Extensive Knowledge. Extensive Experience.

Why we are different.

All Circumstances Considered

All Circumstances Considered

All Properties Considered

All Properties Considered

Flexibility

Flexibility

Short Term and Long Term Loans

Short Term and Long Term Loans

Competitively Priced

Competitively Priced

No limits on property portfolio

No limits on property portfolio

Recently completed

Business Terms