About Westminster Bridging Finance

Westminster Bridging Finance is led by Matt, founder of Construction Capital and one of the UK's most experienced specialist property finance brokers. With a career spanning over two decades in financial services, Matt has personally arranged and overseen more than £300 million in capital raised across the full spectrum of UK property finance, from straightforward residential bridging loans to highly complex multi-million pound development schemes in prime Central London.

Matt's career began at HBOS (Halifax Bank of Scotland), where he developed a rigorous understanding of credit risk assessment, property valuation methodology, and structured lending. This institutional foundation proved invaluable when he transitioned into specialist property finance brokerage, giving him a rare dual perspective that allows him to anticipate how lenders assess risk and structure their offers. Where many brokers simply submit applications and hope for the best, Matt crafts each case with the lender's credit committee requirements firmly in mind, significantly improving approval rates and the terms achieved for clients.

His specialism in the Westminster property market is built on years of direct experience arranging finance for properties across every corner of the borough. From the ultra-prime streets of Mayfair and the elegant garden squares of Marylebone, to the regeneration opportunities along Church Street and the dynamic mixed-use schemes in Soho and Fitzrovia, Matt has navigated the complexities of virtually every property type and transaction structure that Westminster presents.

This depth of local knowledge is particularly critical when dealing with Westminster's unique challenges. The borough contains some of the highest concentration of conservation areas and listed buildings in England, each bringing specific planning constraints that can affect both the valuation and the viability of a bridging loan. Matt understands which lenders are comfortable with Grade II listed properties, which can accommodate conservation area refurbishment projects, and which have the appetite for the substantial loan sizes that Westminster's property values demand. He also maintains strong relationships with RICS surveyors who specialise in high-value Central London property, ensuring that the valuation process supports rather than hinders the transaction timeline.

Beyond individual transactions, Matt has built a reputation for handling genuinely complex cases that other brokers struggle with: properties with short leases, mixed-use schemes requiring multiple forms of finance, borrowers with non-standard income structures, and time-critical deals where completion must happen within days rather than weeks. His direct relationships with senior decision-makers at specialist lenders mean that difficult cases receive the attention and creative structuring they require, rather than being processed through standard channels that may not appreciate the nuances of Westminster property.

Whether you are a seasoned property investor acquiring your next Victoria regeneration project, a homeowner needing to break a chain in the competitive Pimlico market, or a developer planning a substantial refurbishment in St John's Wood, Matt and the Westminster Bridging Finance team bring the expertise, lender relationships, and local market understanding to deliver the funding you need, when you need it.

Westminster is not a single property market but a mosaic of distinct neighbourhoods, each with its own character, price dynamics, and lending considerations. Our team possesses granular knowledge of every area, from the £5,000+ per square foot ultra-prime streets of Mayfair to the exciting regeneration zones around Church Street where value-add opportunities abound. We understand how Bayswater's buy-to-let market differs from Little Venice's canal-side premium, and why a Paddington basin apartment requires a different lending approach to a St John's Wood detached house.

This local expertise is especially important when navigating Westminster's complex planning environment. The borough is home to numerous conservation areas, each governed by specific rules that affect what alterations can be made to properties. Article 4 Directions remove permitted development rights in many areas, meaning that even minor external changes require planning consent. For properties with listed building status, additional consents are required for both internal and external works, and lenders need to be confident that proposed refurbishment plans comply with all statutory requirements.

We know which lenders understand these constraints and which will decline at the first mention of a listing or conservation area. This knowledge saves our clients significant time and ensures that applications are directed to lenders with genuine appetite for Westminster's unique property landscape. Explore our detailed area guides to learn more about bridging finance opportunities in specific Westminster neighbourhoods.