Apply | Posfin Capital — Private Finance Specialist

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Build your deal in real time.

Tell us about your property and we'll structure your facility instantly. Speed Loans in 3-5 days. Main Loans in 10-15 days.

1. Your Details

2. Property

3. Loan Needs

4. Review

5. Your Quote

Let's start with your details

We'll use these to get back to you with options. Your information is kept strictly confidential.

First Name *

Last Name *

Mobile Number *

Email Address *

Preferred Contact Method

Credit Profile (Self-Declaration) *

Select the option that best describes your situation. This helps us match you to the right product — all profiles are welcome.

Date of Birth *

Residential Address *

Enter postcode and click Find, or type your full address below.

✓ Contact details captured

Tell us about the property

This helps us assess your equity position and what you could borrow.

Property Address *

Enter postcode and click Find, or type the full property address below.

Estimated Property Value (£) *

Property Type

Current 1st Mortgage Balance (£) *

Are you in arrears on the 1st mortgage?

Arrears Amount (£)

We calculate your LTV using the clean mortgage balance (excluding arrears). Arrears will be disclosed separately to the lender.

Any Existing 2nd, 3rd or Other Secured Charges?

CURRENT LTV (CLEAN BALANCE)

MAX GROSS AVAILABLE (70% LTV)

£0

70%

Clean 1st Mortgage

£0

Total Secured Debt

£0

Total Equity

£0

✓ Contact & property captured

What do you need?

Tell us about the loan you're looking for so we can match you with the right product.

Amount to Borrow (£) *

How Quickly Do You Need It?

Loan Product Interest

⚡ Yes — I want a Speed Loan paid out in 3-5 days

We can secure your Main Loan terms first, then fund a Speed Loan to bridge you while the main facility completes. Your Main Loan automatically repays the Speed Loan — no double debt. Nothing to pay upfront.

Configure Speed Loan

Select how much you need upfront and your situation below. We'll show you the most cost-effective option.

Zero upfront costs on Speed Loans

All fees, interest, and charges are deducted from the loan at drawdown — nothing to pay out of pocket. Unlike a Main Loan which typically requires a £500 broker advance, solicitor costs, and valuation fees before completion.

Rollover available at term end

Need more time? Speed Loans can be rolled over for an additional 3 or 6 months at the end of your term, subject to equity remaining within 50% LTV. No re-application — just an extension.

Graduate to a Main Loan

Borrowing under £100k? Start with a Speed Loan, then transition to a brokered Main Loan facility when you're ready for a longer-term solution. We handle the entire refinance — you're already on our book.

Speed Loan Amount

What's your situation?

Refinancing to a Main Loan RECOMMENDED

3 months

Best value. We process your Main Loan refinance within 3 months, which automatically repays the Speed Loan. Total combined term: 3 + 12 = 15 months of facility cover. Also the ideal route for loans under £100k that need longer-term finance — start with Speed, graduate to Main.

Selling / Short-term exit

6 months

If you're selling the property or have another defined exit, 6 months gives you time without needing a second loan. Higher cost but simpler structure — one loan, one exit. Can be rolled over for a further 3–6 months if needed (subject to LTV).

Purpose of Loan

How Did You Hear About Us?

Anything Else? (Optional)

Your Exit Strategy *

How do you plan to repay this facility? Select the option that best fits — this helps us match you with the right lender and gives them confidence in your plan.

🏦

Refinance onto a mortgage

We can introduce you to mortgage broker partners. BTL, commercial, or residential options available.

🏠

Sale of the property

We can help with a free listing via our partners. Estate agents or auction — your choice.

💼

Business proceeds / contracts

Income from your business, larger contracts coming in, or trading activity. You're buying time to execute.

🔑

Sale of another property or asset

You have another property, investment, or asset that will generate funds within the term.

📋

Equity release, lifetime mortgage, pension, inheritance, or other

You plan to repay via an equity release or lifetime mortgage product, pension drawdown, inheritance settlement, or another confirmed source within the loan term.

🔄

Roll the bridge (extend the term)

Subject to LTV and lender approval. Most lenders allow 6-12 month extensions. We'll discuss options.

Don't worry — we'll discuss your exit strategy in detail on the call. This selection just gives our lenders an indication of your plan.

Review your enquiry

Check the details below and hit submit. We'll be in touch shortly.

By submitting this enquiry you consent to Posfin Capital Limited contacting you by phone, SMS, WhatsApp, and email regarding secured loan products. Your data is processed in accordance with our Privacy Policy. Your property may be repossessed if you do not keep up repayments on a loan secured against it.

⚠️ Structural Covenant (The Buffer Rule): The Main Loan net release on Day 1 must exceed your Speed Loan gross redemption by a minimum of £10,000. This liquidity buffer is non-negotiable. Reduce your Speed Loan allocation to clear the covenant.

✓ Details reviewed & confirmed

Your Indicative Capital Stack

Indicative Main Loan terms generated from your inputs. Select a credit profile and choose an option to lock in terms.

Select Your Credit Profile

Strictly ≤40% LTV with flawless credit. Executable, documented exit strategy required for deployment.

⚠ Illustrative figures — Our live pricing engine is temporarily unavailable. These are market-rate estimates only. Speak with Byron or Chris for your confirmed, lender-specific terms.

Generating your indicative terms…

Unable to generate quote

We couldn't connect to our pricing engine right now. Please try again, or speak with Byron or Chris directly for your terms.

💬 Consult Origination (Byron / Chris)

These are indicative terms based on real-time market data. Final execution subject to full underwriting, valuation, and final credit committee approval. FCA Authorised · FRN 913022.

Exit Strategy — Option A: Requires active open-market sales listing or executable Mortgage Decision in Principle. AVM routing available at ≤65% LTV, contingent on data-led confidence scores. Option B: Agnostic exit accepted (sale, refinance, or alternative documented liquidity event).

💡 THE PRIVATE INVESTOR PLAY: For high-conviction assets, Posfin syndicates your upfront valuation and legal friction costs. Ask Origination if your asset qualifies.

FCA Authorised · FRN 913022

✓ Speed Loan + Main Loan confirmed

Your Back-to-Back Summary

Your Speed Loan releases immediately. Your Main Loan repays it and releases additional funds.

⚡ SPEED LOAN — IMMEDIATE

Speed Loan

Select Size

Payout

3–5 days

Rate

2.5%/month

Term

3 months

Net to you £75,000

Gross repayment (from Main Loan) £90,825

Includes interest (7.5%), facility fee (12%), legals (£1,200)

🏗 MAIN LOAN — 10–15 DAYS

Main Loan — Institutional Bridge

Lender

Proprietary Lending Panel

Rate

0.85%/month

Term

12 months

Gross Loan Facility £280,000

Net Release Day 1 £210,000

Automatically repays Speed Loan −£90,825

Additional net to you £119,175

◆ Combined Facility Summary

⚡ Speed Loan net (today) £75,000

🏗 Additional from Main Loan £119,175

Total Net Advanced £194,175

⚡ Speed Loan in 3–5 working days · 🏗 Main Loan in 10–15 working days

The Speed Loan gross repayment (£90,825) will be deducted from your Main Loan net release on Day 1. You must ensure sufficient equity exists to support both facilities simultaneously. Both loans are secured charges against the property. Subject to valuation, credit check, and lender underwriting. FCA Authorised · FRN 913022.

🔒 Lock in terms — Pay £395 💬 Speak with Byron / Chris

Indicative figures only. These calculations are based on your inputs. Exact terms are confirmed once your application is submitted to the lender — typically within 24 hours. The Speed Loan gross redemption amount is calculated using the KPC formula (net + 12% facility fee + 7.5% interest + £1,200 legals). Subject to valuation, underwriting, and final lender approval.

💡 Posfin may be able to cover processing costs on select deals — ask us about eligibility.

FCA Authorised · FRN 913022

✓

Enquiry Received

Thank you. A member of our team will review your details and contact you — usually within a few hours during business days.

📹

A personal video message from Byron — coming shortly.

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