Mint Property Finance

About Mint Property Finance

Mint Property Finance was founded in 2011 by Andrew Lazare, starting from his garage with a target of building a £10 million loan book. The business — originally called Mint Bridging — reached that goal and kept going, eventually rebranding in 2021 to reflect a broader range of property finance products including refurbishment and development finance. Andrew's team now numbers more than 40 people, including eight dedicated underwriters across two specialist teams.

What differentiates Mint from the many lenders that issue quick decisions-in-principle is that they do the opposite: initial underwriting is done on every enquiry before any terms are issued. That means what brokers receive is a credit-backed offer, not a "DIP subject to underwriting" that could change materially once the case is reviewed. The consequence is one of the highest application-to-completion ratios in the market — a metric that brokers who have been burned by last-minute repricing understandably value.

In 2022, Aldermore Bank provided a multi-million-pound funding facility that materially increased lending capacity and signalled institutional confidence in the Mint model. The same year, Mint expanded into Scotland, broadening its geographic footprint beyond England and Wales. The business is 100% privately funded and retains the freedom to make commercial lending decisions without institutional approval chains.

Bridging Loans from Mint Property Finance

Mint lends from £75,000 to £3 million on bridging, with terms up to 12 months and LTVs up to 75%. Rates from 0.75% per month. Residential, commercial and semi-commercial property across England, Wales and Scotland. No minimum term on the standard bridge product. Development finance is available alongside bridging for refurbishment and ground-up projects.

What Can Mint Property Finance Finance?

• Residential bridging — purchase, auction, refurbishment, capital raise
• Commercial and semi-commercial property
• HMO conversion and change-of-use projects
• Development exit finance
• Light and heavy refurbishment loans

How to Apply with Mint Property Finance

Mint works with brokers and professional introducers as well as direct borrowers. Enquiries go to [email protected] or by phone to the Altrincham office. The underwriting team reviews every enquiry before issuing terms, so borrowers and brokers should provide full deal details from the outset to enable the fastest possible turnaround.