Breeze Capital

Breeze Capital Short term lending for property professionals 30+ years’ experience! We are a bridging & development finance lender based in Chester.

We provide property development finance, including ‘ground up’ funding. Everything from single dwellings to larger, multiple-unit housing estates. We can also fund office-to-residential conversions. We can fund up to 70% of the finished value or Gross Development Value (GDV) and we can arrange drawdowns within hours of receiving the monitoring surveyors report. We are a principal lender that can f

und loans up to 75% of its current value or 85% if refurbishing the property and we can also provide 100% of the refurb costs. This is done via a combination of private and institutional funding. We offer loans between £100,000 and £1,500,000. All loans subject to full valuation and credit committee approval.

Say hello to Steve, who's joined us as Senior Underwriter. For brokers, that's another experienced decision-maker on you...
02/09/2026

Say hello to Steve, who's joined us as Senior Underwriter.

For brokers, that's another experienced decision-maker on your cases, someone who gets into the detail of a deal and comes back to you with a straight answer quickly.

Steve has been a mortgage underwriter since 2015, starting out at YBS on the Accord brand, handling personal residential mortgages with a mandate up to £1.3m. After more than five years there he took on a new challenge at Shawbrook in January 2021, joining the real estate team as a buy-to-let and commercial property underwriter, lending to professional landlords on a mandate up to £1.25m. It's given him a real breadth across the trickier buy-to-let and commercial scenarios, where, as he'll happily tell you, you never stop learning.
Away from the desk, Steve's married to Becky, and the two of them are kept firmly in line by one very needy cat. He's a keen runner, lots and lots by his own account, and he's signed up for his first marathon next year after being denied his shot in 2020 when Covid cancelled the event. Whenever there's annual leave to use, he'll usually be off somewhere new, with Australia twice, Cambodia, Vietnam and New York among the trips so far.

With Steve on board, you get faster decisions and more hands-on service. That's the whole point of dealing with us.

To learn more about what we do, visit our website: https://www.breezecapital.co.uk/

We're bringing in a new platform, and while that's our news, the benefit is yours.Kennek runs the whole journey of a loa...
27/08/2026

We're bringing in a new platform, and while that's our news, the benefit is yours.

Kennek runs the whole journey of a loan with us in one place, from the first enquiry and underwriting through to servicing a live case. For a broker, that shows up in the way it should: quicker turnarounds, and a smoother run from the deal landing to the money going out.

It's the groundwork for the thing we care most about, getting you a straight answer fast and keeping a case moving once it's in.

Got a deal that needs to move? With us, it's a breeze.
https://www.breezecapital.co.uk/

26/08/2026

A bridging enquiry came in on Monday while our sales team were out on broker visits. Underwriting picked it up within a few hours, called the broker to get the full picture of what the borrower needed, and issued terms the same day.

What won the broker over was how much our light refurbishment product allows. The scope runs further than most expect, covering work like removing a load-bearing wall, a single-storey extension, a loft or an HMO conversion, or replacing a garage.

There's a cost angle too. Where the works come in under £60,000, we can bring in NCI as monitoring surveyor rather than a full QS, which means a lower bill for the borrower and a smoother run to completion.

Got a refurb case with a bit of ambition to it? See what we'll lend on.

It's pretty difficult isn't it?Some lenders have admin fees, some have acceptance fees, some have approval fees and the ...
20/05/2026

It's pretty difficult isn't it?

Some lenders have admin fees, some have acceptance fees, some have approval fees and the list goes on.

It goes to show that headline rate isn't the be all and end of all of a loan offer.

We help you understand exactly what they are and how ours work too.

Call us on 01244 565095 for more information.

This enhanced GDV really makes our light refurb product one of the most competitive out there.Combine it with a keen rat...
20/05/2026

This enhanced GDV really makes our light refurb product one of the most competitive out there.

Combine it with a keen rate, competitive fee structure and the fact we will also lend up to 95% of the purchase price, then you have yourselves a pretty good proposition, even if we say so ourselves.

Call us on 01244 565095 for a free quote.

Back in the day, bridging finance was mostly used for chain breaks.You know the sort of thing.You are trying to sell you...
18/05/2026

Back in the day, bridging finance was mostly used for chain breaks.

You know the sort of thing.

You are trying to sell your house but the sale is slower than slow . Before it's sold you see your dream house up for sale. You don't want to lose your dream new home but as yours hasn't sold, you need something to 'bridge the gap'.

Viola.

These days, bridging finance is used for lots of different reasons but one of the most popular is for speed. They are not designed for the long term but they allow borrowers to move quickly with less underwriting than a traditional residential mortgage.

Call us today to see how we can help you. 01244 565095

We all like it when a bigger loan goes through but we also love small bridging loans and whilst some lenders ignore them...
18/05/2026

We all like it when a bigger loan goes through but we also love small bridging loans and whilst some lenders ignore them, we understand that borrowers have to start somewhere on there property development journey.

Our minimum loan applies to all residential bridging and refurbishment loans.

Call us on 01244 565095 for more details.

We know rate isn't everything, especially when you need to combine that with high leverage and a transparent fee structu...
18/05/2026

We know rate isn't everything, especially when you need to combine that with high leverage and a transparent fee structure.

But it helps. 🙂

Email us at [email protected] for more information or call us on 01244 565095.

We know money is tight when refurbishing a property. The cost of materials is anyone's guess currently, so here at Breez...
28/04/2026

We know money is tight when refurbishing a property. The cost of materials is anyone's guess currently, so here at Breeze, we make your money go further.

On our light refurbishment loans we lend up to 85% of the value of the property, up to 95% of the purchase price and up to 75% of the finished value.

01244 565095

Is your head scrambled with all of the lending options on offer?Here at Breeze, we make things simple. We don't baffle y...
28/04/2026

Is your head scrambled with all of the lending options on offer?

Here at Breeze, we make things simple. We don't baffle you with jargon like quantum and funding stacks, we simply tell you how much you can borrow, at what cost and over how long.

Simple.



Call us on 01244 565095 for a free quote.

Address

Watergate House, 85 Watergate Street
Chester
CH12LF

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

Telephone

+447599411503

Website

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