Experts in Real Estate Finance
MORTGAGES
Buy to Lets
HMOs / MUBs
Commercial
Care
Hospitality
Industrial
INVESTMENT LOANS
Auction Funding
Bridging Finance
DEVELOPMENT
Development Finance
Developer Exit Funding
Enquire
Buy to Lets|HMOs|Multi Unit-Blocks|Commercial|Leisure|Care |Hospitality|Land|Conversions|Refurbishments|New Build|Development
Bridging Finance
Agricultural & Farms
Auction properties
Care Homes (Nursing | EMI | Recovery)
Commercial & Industrial Premises
Dilapidated properties
Hospitality | Leisure (Hotels inc Public houses/bars)
Land (with & without planning permission)
Office blocks (for investment or development)
Non conforming securities
Retail and Mixed Use Properties
Residential (BTL | HMO |MUB | Student PBSA| PRS | Social)
Key Features
Completions from 3 to 10 working days subject to valuation and legal services
Dedicated bridging specialists
Rates from .59% per month
Up to 100% LTV subject to valuation
Development Finance
New build construction
(residential, commercial and industrial)
Conversions / Extensions
(Offices, period warehouse/factories/retail) PDR / Planning)
Refurbishments
(Light Refurb) to structural amendments (Heavy Refurb)
Developer Exit (up to 75% LTV on BC sign-off)
Key Features
Experts in scheme funding placement
Exclusive rates from 7.95% p/a
RLS and Homes England funding
Up to 75% LGTV / 90% Cost
Mezzanine and Equity Stack Options
Mortgages
Commercial & Buy to Let
Buy to Lets | HMOs | Multi Unit Blocks
Mixed Use Properties
Farms & Agricultural Land
Commercial and Industrial Premises
(commercial investment and owner occupier accepted)
Care Homes (EMI, Nursing Homes & Recovery Centres)
Hospitality & Leisure
(including ground rent investment funding)
Key Features
Commercial
up to 75% LTV rates from 6.95%
BTL
up to 80% LTV rates from 3.5%
HMO/MUB
up to 75% LTV rates from 3.9%
(Incorporation products available)
Why Chose Us?
River Commercial support the real estate finance industry of developers & investors through extensive experience and solid relationships built with our banks and clients.
We are experts in acquisition, refinance, capital raising, structured finance and restructuring coordination services.
Our products are broken down into three categories; Commercial Term Loan, Mortgages (BTL/HMO/MUB), Auction/Bridging Finance & Property Development Finance.
With roots firmly planted in real estate financial services since 2014, we have spent over a decade building deep expertise in property finance — becoming a trusted partner for investors and developers at every stage of their journey.
Our credentials speak for themselves. We became members of the NACFB in 2015, achieved full Financial Conduct Authority regulation in 2016, and in 2018 were among the first licensed intermediaries admitted to FIBA — a recognition of the standards we hold ourselves to and the reputation we had already built within the industry.
We specialise in navigating the complexities of real estate finance, whether that means structuring funding for a single investment property or managing multi-million pound development finance.
Our team combines market knowledge, lender relationships, and hands-on experience to deliver solutions that are both practical and commercially sound.
At the heart of everything we do is a dual duty of care — to our clients, whom we represent with full transparency and diligence, and to our lenders and banking partners, with whom we maintain honest, long-standing relationships. That balance is what sets us apart.
When you work with us, you're not just accessing finance — you're accessing expertise.
About River Commercial
Office Hours
Mon - Fri: 9am - 9pm
Saturday: Private Clients Only
Sunday: Closed
Contact Us
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