What We Offer

Comprehensive property finance solutions designed around your needs

Residential Mortgages

From first-time buyers to self-employed professionals, we provide flexible mortgage solutions that high-street banks can't match.

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Buy-to-Let Finance

Unlock the potential of your property portfolio with competitive buy-to-let rates and expert guidance for landlords.

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Commercial Property Finance

Tailored funding solutions for commercial properties, from office blocks to retail units, up to £5 million.

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Residential Mortgages

Whether you're a first-time buyer, moving home, or remortgaging, our residential mortgage products are designed to fit your life — not the other way around.

Up to 95% loan-to-value for qualifying buyers
Competitive fixed and variable rates
Solutions for self-employed and contract workers
Adverse credit history considered
Dedicated mortgage advisor throughout
Decisions typically within 5 working days

Buy-to-Let Finance

Building a property portfolio requires a lending partner who understands the investment landscape. Our buy-to-let products are designed for serious property investors.

Rates from 5.5%
Individual and limited company applications
Portfolio landlord specialists (4+ properties)
Interest-only options available
Up to 75% LTV
No minimum income requirement

Commercial Property Finance

From office buildings to retail units, warehouses to mixed-use developments, we provide tailored finance solutions for commercial property transactions up to £5 million.

Loans from £100,000 to £5 million
Owner-occupied and investment properties
Flexible repayment terms up to 25 years
Refinancing and equity release
Fast, flexible underwriting
Sector specialists across all commercial property types

Bridging Finance

When speed is essential, our bridging finance provides the short-term funding you need. Ideal for auction purchases, chain breaks, or properties requiring renovation before long-term financing.

Loans from £50,000 to £2.5 million
Terms from 1 to 18 months
Decisions within 48 hours
First and second charge options
Residential and commercial properties
Light and heavy refurbishment

Development Finance

From ground-up new builds to major conversion projects, we fund residential and commercial developments across the UK.

Funding up to £5 million
Up to 70% of gross development value
Experienced and first-time developers
Phased drawdown facilities
Joint venture opportunities
Residential, commercial, and mixed-use schemes

Why Choose James Perry Capital

What sets us apart from traditional lenders

Specialist Lending

Unlike traditional banks, we specialise exclusively in property finance. This means faster decisions, deeper expertise, and solutions tailored to your unique circumstances.

Personalised Service

Every client is assigned a dedicated relationship manager who understands your goals and guides you through every step of the process.

Fast Decisions

We understand that property transactions move quickly. Our streamlined processes mean you get decisions in days, not weeks.

£2B+
In Property Finance Arranged
500+
Properties Financed
98%
Client Satisfaction Rate

About James Perry Capital

James Perry Capital was founded with a simple belief: property finance should be accessible, transparent, and tailored to each client's needs. Born from the expertise of James Perry & Partners — a respected UK estate agency and property services group — we brought decades of property market knowledge into specialist lending.

We set out to challenge the traditional lending model. Where high-street banks see risk, we see opportunity. Where others apply rigid criteria, we take the time to understand each client's unique circumstances and find solutions that work.

Today, James Perry Capital is one of the UK's fastest-growing specialist property lenders, with a portfolio exceeding £2 billion in arranged finance across residential, commercial, and development sectors.

Our Mission

To be the UK's most trusted specialist property lender, empowering individuals and businesses to achieve their property ambitions through expert advice, innovative products, and exceptional service.

Our Values

The principles that guide everything we do

Integrity

We do the right thing, always. Transparency and honesty are the foundation of every relationship we build.

Innovation

We find solutions others can't. Our flexible approach and deep expertise allow us to structure deals that work.

Excellence

We deliver exceptional outcomes. From first enquiry to completion, we hold ourselves to the highest standards.

Partnership

We succeed when our clients succeed. Your goals become our goals, and we work tirelessly to achieve them together.

Get in Touch

Fill out the form below and one of our property finance specialists will get back to you within 24 hours.

Address

James Perry Capital,
7 The Pantiles, Tunbridge Wells,
Kent, TN2 5TN

Office Hours

Monday – Friday: 09:00 – 17:30

Ready to Get Started?

Speak to one of our property finance specialists today and discover how we can help you achieve your property goals.

Get in Touch