Outstanding Growth

Outstanding Growth An established finance brokerage specialising in arranging bridging, development & exit finance. Many of these products are not available direct.

Outstanding Growth Ltd is a privately owned provider of short and long term commercial finance. We simplify the lending process by
connecting commercial clients and businesses that are looking to borrow, with funders who want to lend. We welcome enquiries from commercial clients and professional introducers. As we are not principal lenders we benefit from access to a selection of funding sources

ranging from banks to private investors and funding partners, allowing us to remain impartial. We pride ourselves on providing clients with a service that is truly customer focussed. Securing commercial finance has never been easier. We do all the administration for you and negotiate on your behalf to achieve the best terms and ensure funds are available as quickly as possible.

28/08/2026

Building a property portfolio is a great goal and something we would support and can provide finance for but it only works if you don’t overstretch yourself. This relates to finance and also the number of properties.

Every pound you borrow and every additional property you own, need to repair, maintain, manage and rent out, increases your risk.

If you own 5 properties, all maxed out on finance, that’s five properties that will need money spent on them and may sit empty, or worse, end up housing tenants that cannot pay their rent and that will take months (and thousands of pounds) to work through the eviction process, despite the fact you will still need to pay the mortgages even if you aren’t receiving rent. You will still need to carry out repairs even if you are not receiving rent.

If you buy in high yield low purchase price areas, the capital growth may be non-existent meaning your loan to value ratio does not reduce over time so you really need to consider these risks before you decide you can make passive income.

Consider your risk carefully.

Borrow the least amount you need to.

Don’t overstretch.

We can guide you to the right type of finance and make sure you remain within a manageable amount.

27/08/2026

Delays can and do occur in the arrangement of bridging and development loans.

In most instances these delays are due to the legal process. In the case of a property being sold to you (the client/borrower), often the seller’s solicitor can hold up the process which means even if your solicitor is efficient and the lender’s solicitor is efficient, the whole loan process can be delayed by the seller’s solicitor. These delays are extremely frustrating especially when you have tight completion deadlines.

When this, or any other delay occurs, you will be in a far better position if you are using a finance broker as we can chase, negotiate and mediate between parties. It is of course vital that you respond to any queries efficiently as our ability to push completion depends on us being able to gather information and relay it back but we can do all the leg work and take all the flack. We also know how best to approach complications.

Delays happen but the ability to work around them to bring things to a successful resolution is very much dependent on experience and communication, both of which are our strengths.

If you would like us to assist with a funding requirement, or if you are struggling with funding you are obtaining through another provider and want us to find an alternative, drop us a dm or email [email protected]

26/08/2026

If you are a builder, it’s likely that you will come across property opportunities. It can be extremely frustrating to be offered a great opportunity but not be able to take it on because you don’t have the money to cashflow it and you don’t know what funding may be possible, or how finance works.

WE CAN HELP.

We are happy to work through the details, find out more about you and establish the finance you could qualify for to be able to fund the project.

In many cases there are several ways to finance these projects depending on your financial position and preferences. We can go through the options with you, help you understand them and once you decide which option you like, we can get the finance completed quickly.

Send details of your enquiry to [email protected] or send us a dm. If you prefer a chat, you can call me on 07480 936068.

It doesn’t matter if you know nothing about finance, I can explain everything.

25/08/2026

There are issues that can crop up during the legal process when you are taking out bridging or development finance. An access issue, a search may reveal that there’s a risk of subsidence requiring additional buildings insurance cover, a down valuation, an increase in work costs from the QS. These are just a few examples.

When complications arise, having an experienced financial professional on your side that can explain the impact of these changes and can work with the lender on your behalf to find a solution, to help you work around them, is so important.

If you are just dealing direct with a lender yourself, one complication can end up seeing your loan offer withdrawn, or see you missing a completion deadline (which can be an expensive problem due to penalties and fees and even see you losing the property if, buying at auction).

A finance broker will be there to explain, guide and negotiate with the lender on your behalf. In our case this week we were able to provide the client with a solicitor who could provide Independent Legal Advice for a PG (a mandatory requirement) on the same day by video call, (despite one guarantor being abroad).

A finance broker can identify problems before they reach the lender, can guide you towards solutions, be available outside office hours, negotiate and provide support to you throughout the borrowing process.

We do more than just finding the best deal.

If you need to finance a property or project, we would love to work with you. Contact us by emailing [email protected]

23/08/2026

People need to be really mindful that if something looks too good to be true, it usually is.

The number of people that believe:

👉 no money down schemes are actually viable money-making businesses where you can borrow all the money you need without investing any of your own and you can make a PASSIVE monthly income with no risk, while also building wealth by capital appreciation
👉 you don’t need to provide personal guarantees (PG’s)
👉 you can buy property in the cheapest areas even if they are hours and hours away from where you live and know
👉 you don’t need any experience in property development or management or borrowing money
👉you can then pull your equity out and use that to do the same again and build a profitable portfolio 🤦‍♀️

Sadly as a finance broker with over 27yrs experience I am here to tell you most of the above is a complete lie.

The truth is, if you do believe this nonsense and manage to actually put it into practice (which sadly is actually possible through some of the high risk strategies taught by people who earn from the courses they sell you on social media - not from property) you will likely be broke within 12 months.

If you want to understand the way that real property investors make money and build successful, profitable businesses, we can explain as there is a way to do it but it’s not high-leverage, no money-down schemes.

[email protected]

18/08/2026

Borrowing money is common in property development. In contrast, there are lots of developers that self-fund their projects but this requires a substantial cash reserve, which many do not want to wait to build up because during that time they will miss out on opportunities. While you wait to start, the property market prices continue to rise so the amount you need to save today to cashflow a typical property development in your area will be likely be significantly higher in a few years and so you can find yourself aiming at moving goalposts.

Many developers get around this problem by borrowing the money they need, whilst continuing saving at the same time because development loans don’t require monthly repayments as interest is either deducted or rolled, meaning the money you were going to save, you can still save, whilst also taking advantage of current property opportunities and making profit along the way too.

It’s important to do what works best for you and if you have capital then of course it often makes sense to use that first, as you aren’t paying interest on it but borrowing strategically can still be beneficial financially if you don’t over leverage, as it enables you to start sooner, whilst still leaving you able to save for future investment opportunities.

If you would like to find out what finance is available or how it works, contact us at [email protected]

17/08/2026

If you are considering putting in an offer on a property, especially one that requires modernisation, you should get in touch with us first and get some indicative terms for the finance.

Until you know you can actually cashflow the purchase and any work you plan to do to it, making an offer is likely to be a waste of time.

Email [email protected] and we will let you know what details we need to get you an Agreement In Principle for the finance so you know you can make a genuine offer and can actually proceed with the purchase if your offer is accepted.

10/08/2026

When you embark on a property project especially BRR, you really need to focus on on the financials and make sure the deal actually stacks BEFORE you decide to proceed.

We were asked for help last week when someone had done a BRR deal where the property purchase price was £75k. They borrowed 75% as a bridging loan towards the purchase and a private investor funded the balance of the purchase price and 100% of the refurbishment costs and the property revalued post works at £150k. They refinanced the property onto a BTL mortgage and were asking us how they pull the equity out to invest it into their next project so they could do it all again…..

Their problem is there is no equity because they made no profit. In fact they only just covered their costs (bridging loan and investor repayment) and that’s not allowing for any taxes, or any slush fund for repairs, maintenance and vacancies of the BTL property.

The client approached us trying to understand why their perspective wasn’t allowing them to see how to get their money out and we had to kindly explain that perspective wasn’t the issue, maths was.

If you don’t make a profit the deal is not worth doing and it’s certainly not worth the risk or liability financially to you or to your tenant unless the numbers stack.

Property is only a good investment (whether that’s with your own money or someone else’s) if you actually make money.

Property renovations can often appear simple but unless you know what you are doing, what appears simple can often be th...
08/08/2026

Property renovations can often appear simple but unless you know what you are doing, what appears simple can often be the tip of the iceberg.

When borrowing money to finance a refurbishment project, it’s important to correctly assess the costs of the renovation and allow a decent contingency (usually a minimum of 10% is required by most bridging and development lenders). Some clients choose to self fund the work but hold the renovation costs on account should a life event or new property opportunity crop up during the term of your project because it then means you can choose to draw on those funds and redirect your own cash elsewhere and you only pay interest on the funds you actually draw down. This type of funding acts almost like an overdraft facility.

We have a client about to complete on this facility for a conversion project and it will give them so much more flexibility and scope for new profitable opportunities rather than being completely committed to just the current one.

If this type of financial facility sounds like it would work for you, please let us know and we can get you an agreement in principle the same day.

Send us a dm or email [email protected]

07/08/2026

We were asked a question today about financing refurbishment projects. The client said they want to take a bridging loan to buy and refurbish a property that will then be sold for a profit and they wanted to know if they could do this through a limited company without being a director of it or providing any director details as they want the company to take all the liability and not be party to the loan at all themselves.

The real answer is no. Most bridging lenders will require personal guarantees and so the directors of the borrowing entity will need to be party to the loan, or you will need to take the loan in your personal name.

Be careful of what you choose to believe on TikTok about loopholes to this because with more than 27 years experience specialising in arranging finance for clients, there is not a way around this and if you are looking to find one, it’s probably because you aren’t ready to finance such a project.

If you ever find yourself asking questions like this we are always happy to explain how things work but in the most part, if you put yourself in the position of the lender and ask the question as though you are being asked it, the answer will usually seem more logical.

If you have any questions relating to funding a property project, email them over to [email protected] or WhatsApp 07480 936068.

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London

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Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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