Pluto Finance

About Pluto Finance

Pluto Finance has been providing property finance since 2011, built on an unusual ownership structure: it is part-owned by the Universities Superannuation Scheme (USS), the UK's largest private sector pension fund with over £80 billion in assets under management. Working with patient, long-term capital from pension funds, insurers and global financial institutions has shaped the culture of the business — Pluto can take a long view on borrower relationships because its investors can too.

That approach has produced a track record few peers can match: over £3.5 billion lent across more than 300 transactions since inception, and more than 10,000 new homes financed across the UK. Development finance, particularly residential development, is the core strength — the team includes Lending Directors with regional specialism rather than a centrally-managed credit function, and the majority of the book is repeat borrowers.

Bridging forms an important part of the range, particularly for site acquisitions and development exit scenarios. Pluto will lend up to £150 million on suitable transactions — a scale that puts it among the largest non-bank lenders in the UK for single transactions. Pricing is bespoke per deal rather than rate-card driven.

Bridging Loans from Pluto Finance

Pluto lends from £1 million to £150 million on bridging and development finance, with terms up to 24 months. Rates are priced per transaction with no standard rate card. The team covers England and Wales. Bridging products include acquisition bridges, development exit facilities and investment refinancing. All enquiries are assessed individually with a dedicated Lending Director from first discussion through to completion.

What Can Pluto Finance?

• Site acquisition bridges on consented land
• Development exit and investment refinancing
• Ground-up residential development
• Commercial and mixed-use development
• Office-to-residential and other conversion schemes
• Large-scale residential development finance (£10m–£100m+)

How to Apply with Pluto Finance

Pluto works through commercial finance intermediaries and directly with established developers. The team encourages early engagement — getting a Lending Director involved at feasibility stage produces better-structured facilities. Enquiries go to the London office at [email protected] or by phone on 020 7442 2100.