Lender review · Bridging and refurbishment finance
Mint Property Finance
- Reviewed May 2026
- Editor Oliver Mackman
- Companies House 09228238
- Methodology Public
Altrincham-based principal lender (formerly Mint Bridging) focused on residential bridging, refurb and small developer exit across England and Wales. Strong service reputation in the broker community, with Trustpilot scores at the top end of the bridging category. Broker-distributed.
Director, BestBusinessLoans
Oliver leads BestBusinessLoans's editorial reviews and methodology. With a background in UK commercial finance, he oversees lender research, rate verification and review independence.
Last reviewed: 8 May 2026
At a glance
- Product
- Bridging and refurbishment finance
- Ticket size
- £100k to £5m
- Typical rate
- From 0.69% per month
- Decision time
- 3 to 10 business days
- Soft search at quote
- No
- Limited companies only
- No
- FCA regulated
- No
- Companies House
- 09228238
- Founded
- 2014
Scores against our methodology
- Rate transparency4/5
- Eligibility clarity4/5
- Decision speed4/5
- Decline handling4/5
How Mint Property Finance works
Mint Property Finance operates as a bridging and refurbishment finance provider in the UK SMB market. Altrincham-based principal lender (formerly Mint Bridging) focused on residential bridging, refurb and small developer exit across England and Wales. Strong service reputation in the broker community, with Trustpilot scores at the top end of the bridging category. Broker-distributed.
The product mechanic is straightforward in shape but the underwriting is sector-specific. Tickets sit in the £100k to £5m band, decisions land within 3 to 10 business days, and the published rate range is From 0.69% per month. A hard search may apply at quote stage; ask before you submit if credit-file footprint matters to you. Like most UK lenders to limited companies, the standard SMB lending sits outside the FCA perimeter.
Where Mint Property Finance fits best: £250k to £2m refurb cases, developer exit, btl purchase bridging. Where it does not fit: sub-£100k tickets, ground-up development, £5m+ schemes.
Pricing examples
Worked examples using Mint Property Finance's published rate range (From 0.69% per month). Simple-interest approximation, mid-band rate. Real offers will differ and should be confirmed on the lender quote.
| Ticket | Term | Estimated total cost | Approx monthly |
|---|---|---|---|
| £25,000 | 24 months | £29,140 | £1,214 |
| £50,000 | 36 months | £62,420 | £1,734 |
| £100,000 | 48 months | £133,120 | £2,773 |
Indicative only. Confirm on a Mint Property Finance quote.
Eligibility
- Trading time: typically 12 to 24 months minimum for the cleanest pricing.
- Turnover floor: not always published. As a working figure, expect a £100k+ turnover requirement for term loans of £50k+. Smaller tickets and MCA structures have lower floors.
- Sector exclusions: Sub-£100k tickets; Ground-up development; £5m+ schemes.
- Credit profile: Clean credit preferred; older satisfied items often acceptable.
- Company structure: Limited companies and (in some cases) sole traders / partnerships.
- Best fit: £250k to £2m refurb cases; Developer exit; BTL purchase bridging.
Pros
- + Trustpilot footprint among the strongest in the bridging category.
- + Refurb and developer exit handled in-house.
- + Direct contact with underwriter on live cases.
- + Lower ticket floor than mainstream bridgers.
Cons
- − Broker-distributed; direct applicants routed.
- − Per-month rate quoting hides total cost.
- − £5m ticket cap rules out larger schemes.
Best for
- · £250k to £2m refurb cases
- · Developer exit
- · BTL purchase bridging
Weak at
- · Sub-£100k tickets
- · Ground-up development
- · £5m+ schemes
When to use Mint Property Finance
Use Mint Property Finance when
Your application matches the best-fit profile: £250k to £2m refurb cases, developer exit, btl purchase bridging. The published ticket range (£100k to £5m) covers your ask, the decision speed (3 to 10 business days) fits your cash-gap timeline, and the rate range (From 0.69% per month) is acceptable to you given your credit profile.
Do not use Mint Property Finance when
Your profile sits in the weak-at list: sub-£100k tickets, ground-up development, £5m+ schemes. Mint Property Finance will likely decline, and the decline itself can sit on broker records for 90 days. If you have any of these flags, route directly to a specialist (post-decline lender, MCA against card flow, asset-backed alternative) rather than using Mint Property Finance as a screen.
FAQs
What is the minimum trading time for Mint Property Finance?
Mint Property Finance typically asks for 12 to 24 months of trading. Newer businesses can sometimes qualify against alternative underwriting (card flow for MCA, asset security for asset finance), but the cleanest pricing tends to require two full sets of accounts.
Does Mint Property Finance require a personal guarantee?
Most UK SMB lenders require a personal guarantee from at least one director. Mint Property Finance is no exception in the standard case. The few exceptions: asset-backed lending where the asset itself stands as security, and a small number of MCA structures where card flow is the underwriting basis. For bridging and refurbishment finance specifically, expect a PG to be requested.
How fast does Mint Property Finance fund?
Mint Property Finance quotes 3 to 10 business days for an underwriting decision. Funding to bank account typically follows within one to three working days of acceptance, subject to KYC, signed documents, and (where applicable) registration of any debenture or charge.
What rate should I expect from Mint Property Finance?
Mint Property Finance's published range is From 0.69% per month. The headline number is rarely the offered number. Rate transparency on this lender scores 4/5 in our methodology. Expect the cleaner end of the band only if you have 2+ years of trading, clean credit, and turnover comfortably above the lender's stated floor.
What happens if Mint Property Finance declines me?
If Mint Property Finance declines, you have three realistic next steps. First, ask for the decline reason in writing, most reputable UK lenders will tell you. Second, route the application to a specialist post-decline lender (Bizcap, JPM Capital, Bolton Finance) where credit issues are the constraint, or to an asset-backed alternative where security is available. Third, use a broker panel to fan the application across the lenders most likely to accept your specific decline reason. Mint Property Finance scores 4/5 on decline handling in our methodology.
Where to apply
Apply directly via mintpropertyfinance.co.uk, or use our free quote form to be matched across the UK broker panel most likely to approve your specific profile, not just Mint Property Finance.
Specialty alternatives
See all lender reviews for alternatives.
Reviewed by Oliver Mackman, Director. Last reviewed: 8 May 2026. Lender website: mintpropertyfinance.co.uk.