Lending

Building your worth.

We designed our lending products to help you take your finances further. Whether you’re aspiring to grow your portfolio, looking to release capital or simply to refinance, we offer tailored property investment lending to provide the additional capital you need to build something monumental.

If you are an introducer, we are inviting you to be part of the Monument lending experience.

I am an introducer

Buy to Let Loans

  • Where experience and growth matters – we provide loans against residential investment property in England and Wales, guided by professional Relationship Managers and specialising in helping portfolios grow.
  • Interest only with initial 2-Year or 5-Year fixed rates.
  • No exit fees and no early repayment charges on the five-year fixed after 3 years.
  • £3m max loan size and up to 75% loan to value (LTV) on lending below £1m.

Bridging Loans

  • The loan you need when you need it – short term real estate finance of up to 12 months to help where time is critical or where there is a complexity that needs to be considered. Our underwriting is built on people, so we can understand your circumstances and provide a solution that works, at a price that’s fair.

How are we different?

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Tailored

We’re set up to make things happen for you whether you are borrowing in your own name, jointly with others, or through a UK corporate structure (SPV).

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Efficient

Your time is important – we'll only ask once for what we need and pride ourselves on fast decision-making and execution.

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Simple and fair

We don’t believe in extra fees or nasty surprises – just in fair pricing, simply put.

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Transparent

We’ll tell you quickly whether we can help: a decision in principle in minutes where it’s pretty straightforward, and as quickly as possible if it’s more complicated.

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Rewarding loyalty

We’re with you for the long haul, so when you renew a fixed rate product you’ll get a better rate than you would as a new client taking their first loan.

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Convenient

We’re available on in-app chat, audio and video and our expert Relationship Managers are on hand to help when you need it.

Are you an introducer?

If you are an introducer operating in the UK real estate space, we would love to hear from you so please contact our Head of Lending to arrange a discussion and be a part of the Monument lending experience.

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Do you have any questions?

question-icon Check out our FAQ page for more information.

Monument Bank Limited (10921940) is registered in England at 33 Cavendish Square, London, W1G 0PW.

Monument Bank Limited is authorised with restriction by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial Services Registration Number is 849724. For more information, please see the Financial Services Register. As we are not yet operational, please do not take any information on this website as an invitation or inducement to apply to us for any services.