Bricks Finance

About Bricks Finance

Bricks Finance was founded in 2014 by Will Michelmore, Jerry Rihll and Clive Banks — three professionals who between them brought over 90 years of property, finance and legal expertise. Based in Exeter, the business lends its own money alongside funds from a small number of private investors, keeping decision-making entirely in-house and away from institutional funding dependencies.

The lender's geographical focus on the South West of England is a genuine differentiator. Rather than spreading thinly across the UK, Bricks has spent a decade building deep knowledge of Devon, Cornwall, Somerset, Dorset and the surrounding counties — the local market, the local valuers, the local solicitors. That matters on unusual assets like farm conversions, agricultural land, leisure and hospitality properties, where the security requires someone who actually understands it.

Since starting lending in 2015, Bricks has funded the construction or renovation of well over 200 properties across the South West. Their 2024 highlights: 31 new loans worth over £27 million, their largest ever bridging loan of £3.1 million, and a case completed in just two days from enquiry to drawdown.

Bridging Loans from Bricks Finance

Bricks lends from £175,000 to £4 million across a wide range of residential, commercial and agricultural property types, with terms up to 36 months and LTVs up to 70%. Rates start from 0.90% per month. Loans are also available for development exit finance, equity release and commercial purposes — the lender takes a genuine common-sense view on each case rather than applying a tick-box approach.

What Can Bricks Finance Fund?

• Residential bridging and purchase
• Property refurbishment and renovation
• Agricultural land, farms and barn conversions
• Commercial property including offices, retail and hospitality
• Development finance and construction
• Development exit and sales period finance
• Equity release on owned property

How to Apply with Bricks Finance

Bricks works with individual borrowers and local brokers across the South West. Initial enquiries go directly to the team in Exeter, who will assess the deal and provide indicative terms quickly. The lender's focus on relationship-based lending means borrowers can expect an honest, straightforward conversation about whether the deal works — and the founders are personally involved in significant or complex cases.