Compare Mortgage Rates from Ortus Secured Finance Against the Market starting at 2.2%

About Ortus Secured Finance

Headquartered in London, Ortus is unique among specialist lenders for its strong regional presence. Unlike many "London-centric" lenders, they have dedicated offices in Manchester, Glasgow, and Belfast, giving them genuine local knowledge across the whole of the UK.

They do not use automated credit scoring. Every loan is underwritten manually by a decision-maker who looks at the asset and the business plan rather than just the credit history. This makes them a "go-to" lender for the leisure and hospitality sectors which many other lenders avoid.

Because they are unregulated, they can be much faster and more flexible than high-street banks, but you do not have the same regulatory protections (like the Financial Ombudsman Service) for homeowner loans.

Mortgage & Finance Products

Ortus lends on properties across England, Wales, Scotland, and Northern Ireland.

• Bridging Finance (Unregulated):

  • Residential Investment: Fast loans for buying or refinancing investment properties (BTL)

  • Commercial Bridging: They lend on offices, industrial units, and retail spaces

  • Leisure & Hospitality: They are experts in lending against pubs, hotels, and guest houses, assets that many bridging lenders consider too risky

  • Auction Finance: Designed for speed to meet 28-day completion deadlines

• Commercial Mortgages (Term Loans):

  • Unlike pure bridging lenders, Ortus offers longer-term commercial loans (typically up to 5 years)

  • No ERCs: On some term products, they do not charge Early Repayment Charges (ERCs) after a certain period, offering great flexibility

• Development Exit:

  • Loans for developers who have completed a build but need more time to sell the units. It pays off the expensive development finance and releases equity for the next project

• Northern Ireland Lending:

  • Ortus is one of the few specialist lenders with a dedicated office and strong appetite for lending in Northern Ireland, a market often ignored by mainland GB lenders

Pros and Cons of Ortus Secured Finance

Here is a balanced overview of choosing Ortus for your finance:

Pros:

• Leisure Sector Expertise: If you are buying a pub, hotel, or care home, Ortus understand the "going concern" value of a business, not just the bricks and mortar value

• UK-Wide Coverage: Their willingness to lend in Northern Ireland and Scotland sets them apart from many London-based bridge lenders

• Speed: As a principal lender, they can make decisions in hours and fund in days

• Manual Underwriting: They accept complex borrowers, including offshore companies, trusts, and foreign nationals

Cons:

• Unregulated Only: They cannot lend against your main residence. If you need to save your home from repossession, Ortus cannot help

• Cost: As a commercial specialist, their interest rates are higher than high-street banks

• Intermediary Led: While they accept direct enquiries, their products are often best accessed via a specialist commercial broker who can present the business case correctly

Customer Service and Reviews

Ortus Secured Finance is highly regarded in the commercial broker market.

• Awards: They are frequent finalists and winners at industry awards (e.g., Bridging & Commercial Awards) for their service levels

• Reputation: Brokers praise them for "doing what they say they will do", wheras changing the goalposts at the last minute is a common complaint with other bridging lenders

How to Apply

1. Through a Broker: For Commercial and Leisure finance, it is highly recommended to use a commercial finance broker. We can act as an intermediary for you, submitting an application to Ortus while ensuring they are the best fit for you by looking at the whole market. Get started to speak to one of our specialists.

2. Direct Enquiry: You can contact their regional offices directly to discuss a proposal. However, they will only be able to advise you on their own range of products and not provide a competitor comparison.