United Trust Bank
UK challenger bank offering structured property finance including short-term bridging for professional developers.
What United Trust Bank is good at
Developers wanting a bank (not specialist) counterparty on larger tickets.
Operating notes
Bank-regulated, so bulkier process. Pairs bridging with development debt effectively.
Property types they'll consider
- residential
- commercial
- development
Who this lender suits
FCA-regulated bridging is best suited to owner-occupier residential deals — chain breaks, short-lease remortgages, downsizing bridges. If your deal is non-owner-occupier (BTL, commercial), look at the specialist lenders below. As a challenger bank, United Trust Bank has more internal process than pure specialists but lends at larger tickets and often at better rates for straightforward cases.
How to access United Trust Bank
Most UK bridging lenders prefer broker introductions rather than direct enquiries. A broker with a current lender panel can run a case past United Trust Bank alongside 3–4 alternatives and come back with indicative terms quickly.