Bridging & Commercial Loans via Our Specialist Partners
Fast, Flexible Property Finance Introduced Through Trusted Partners
Koto Financial Services Ltd is a whole-of-market mortgage & insurance brokerage based in Wheathampstead, near St Albans, providing expert advice across the UK.
Through our specialist lending partners, we introduce clients to suitable Bridging & Commercial Finance solutions for property development, investment, and time-sensitive purchases.
Whether you’re an investor, home builder, developer, or landlord — we help you secure the right funding to move your project forward quickly.
Why Choose Koto Financial Services for Bridging & Commercial Finance?
Wide Lender Network
Access to a wide network of specialist bridging & commercial lenders
For All Property Professionals
Ideal for developers, home builders, investors & property buyers
For All Property Professionals
Ideal for developers, home builders, investors & property buyers
Free Consultation
Free initial consultation (fees are dependent on individual circumstances)
Wide Lender Network
Access to a wide network of specialist bridging & commercial lenders
For All Property Professionals
Ideal for developers, home builders, investors & property buyers
For All Property Professionals
Ideal for developers, home builders, investors & property buyers
Free Consultation
Free initial consultation (fees are dependent on individual circumstances)
Bridging & Commercial Finance Options
Fast short-term funding to secure residential or commercial property when timescales are tight.
Funding introduced through partners to meet strict auction deadlines — ideal for investors and buyers who must complete within 28 days.
Solutions suitable for:
- Light refurbishments
- Medium/heavy refurb projects
- New builds
- Small to national home developers
- Ecom Homes
- Offices
- Retail units
- Mixed-use buildings
- Industrial & warehouses
Short-term finance before switching to a long-term buy-to-let mortgage.
Solutions for clients needing temporary funding before long-term finance completes.
Solutions for HMO, MUFB & Social Housing Properties
All Bridging & Commercial Loans are introduced through specialist partner lenders.
Commercial mortgages are not usually regulated by the Financial Conduct Authority.
Commercial mortgages and bridging are arranged by Introduction only.
Who This Service Is For
Property investors buying under tight deadlines
Developers & refurbishment project owners
Home builders (small to national scale)
Landlords expanding portfolios
First-time & experienced investors
Homeowners needing short-term finance due to chain breaks
Ltd Company Directors (including SPVs)
Property investors buying under tight deadlines
Landlords expanding portfolios
Homeowners needing short-term finance due to chain breaks
Ltd Company Directors (including SPVs)
Developers & refurbishment project owners
Home builders (small to national scale)
First-time & experienced investors
Typical Finance Criteria (Partner Lender Dependent)
Loan Amounts: £25,000+
Loan Terms: 1–24 months
Security: Residential, BTL, mixed-use & commercial
Exit Strategies: Sale or refinance
Locations: England, Wales & Scotland
We work with partners who consider complex cases, including adverse credit.
Our Simple 3-Step Process
Why Work With Koto?
20+ years combined years industry experience
Over 3 years serving clients across the UK
Experienced, approachable, tailored advice
Specialist equity release advisers
Support with adverse credit and difficult cases
Transparent, supportive, personal service
In addition to specialist lending, experts in residential, BTL mortgages & personal protection
Meet the team: Aaron, Emma, Tracey (Advisers) and Nikki & Lisa (Administrators).
FAQs
No — we introduce clients to suitable bridging & commercial lenders via our specialist partners.
Many partner lenders provide responses within 24–48 hours, depending on documentation.
No — while based near St Albans, we support clients nationwide.
Yes — many of our partner lenders support Ltd companies/SPVs.
Initial consultations are free.
A fee may be payable depending on your circumstances – Following your consultation, there may be a fee for arranging a mortgage and this will depend on your circumstances.
Start Your Bridging & Commercial Finance Enquiry
Speak to one of our expert advisers and be introduced to lenders suitable for your project.
Areas We Serve
St Albans
Harpenden
Cuffley
Radlett
Welwyn Garden City
Bishop’s Stortford
Brookmans Park
Redbourn
London Colney
Hitchin
Hertford
What Our Clients Say
Contact Us
Have a question for one of our friendly team? Book a call or fill in the form and we will be in touch.
📍 Riverdale House, 21a High St, Wheathampstead, St Albans, AL4 8BB
📍 Stable Bar, Tewinbury Farm, Hertford Road, B100, Welwyn, AL6 0JB