Flexible loans for property professionals

We are pragmatic in our approach and not restrictive in our lending criteria. Are you a…

We help landlords, property developers and property investors obtain the loans they want, and we go out of our way to make the process as quick and pain-free as possible.

PMJ Capital is a principal lender and you will always speak to a decision-maker as we understand the importance of certainty of funding. We believe each bridging loan is different and, therefore, do not offer set criteria; we uniquely design a solution for each viable proposition.

Quick Enquiry

Use our quick enquiry form alternatively call 01204 328477 for more information.

    What We Do?

    We do not have restrictive lending criteria and are able to be innovative in our product offerings.

    Short-Term Finance

    We provide short term bridging finance on a wide range of residential, semi-commercial and commercial properties.

    • Facilities from £26,001 – £2M
    • LTV up to 70% LTV (75% by exception)
    • Terms up to 12 months
    • First charge
    • England and Wales

    Development Finance

    Supporting SME developers and housebuilders from ground-up schemes to conversions and part built projects.

    • Facilities from £26,001 – £2M
    • LTV up to 65% GDV
    • Terms up to 12 months
    • First charge
    • England and Wales

    Refurbishment Loans

    We offer a variety of refurbishment solutions from light renovations to a complete heavy refurbishment, or an extension to a property.

    • Facilities from £26,001 – £2M
    • LTV up to 70% LTV.  Day 1 Value/65%GDV
    • Terms up to 12 months
    • First Charge
    • England and Wales

    Why PMJ Capital?

    Relationship-Focussed Property Lending

    At PMJ Capital, we have built our business on placing trust in our clients and this is as important as the deal itself. We have open and honest dialogue, share in our clients' successes and support them when things don’t go to plan.


    property lenders

    We are happy to look outside the box.



    Total amount lent
    to borrowers

    Every borrower has a relationship manager



    Informed decisions with no credit committees

    What our clients say about us

    “PMJ has been there since the start and are a key part of our growth strategy. Without them we wouldn’t have had the tremendous success that we have enjoyed over the past four years.”


    Rob Lloyd,

    “Working with PMJ has been a breath of fresh air. They took a commercial and pragmatic approach throughout to get the deal across the line.”



    Steve Price,
    Cheshire Taverns
    Retirement Benefit Scheme

    “PMJ has backed us since the start.  We see them as a key partner in the success of our business.  They are always on hand to support and more importantly, are able to make the right decisions when we need them.”


    Kevin Murphy,
    KMM Homes


    “We see PMJ as a key part of our team, they provide a real partnership approach to development funding, completely simplifying the process.”



    Scott Ashall,
    Lane End

    News and Insights

    Find out more about the projects we’ve provided finance for and the clients we’re working with.

    Our team also provide their knowledge and expertise.

    PMJ Launches First Electric Car As part of our ongoing commitment to the environment, and supporting and nurturing our fantastic team, …

    PMJ donates £50,000 to North West Charities

    As part of our annual charitable activities we are delighted to announce that we have donated over £50,000 to North West …

    PMJ Capital funds speculative commercial development in Oldham

    PMJ Capital has provided a £135m development loan to Up North Developments, to fund the build of a new speculative commercial …

    Quick Enquiry

    Use our quick enquiry form alternatively call 01204 328477 for more information.

      Are you a referrer, broker or introducer?