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common sense lending

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common sense lending

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common sense lending


Lend up to 80% LTV

True market value / purchase price

Over 40 years

Experience within the industry

Bringing unmortgageable properties

Back to market


Westgate Private Finance (WPF), based in Cardiff, is a secured lending platform providing short term liquidity to a large segment of the existing residential stock. It is a feature of the property market that over 600,000 homes are empty at any point in time and of these some 205,000 remain empty for over 6 months and a significant number for over 2 years.

These properties are deemed by many lenders to be uninhabitable or unmortgageable. In our view every property has a value, no matter the condition, whether lettable or even habitable at point of purchase. Our extensive experience in property development and finance helps us see things from a borrower’s point of view.

Innovative Lending

Recognise the potential of uninhabitable / unmortgageable residential property.

Flexible Borrowing

Bespoke solutions tailored to each property & circumstance.

Renovation Costs In Advance

Up to 100% of renovation costs in staged payments.

Manual Underwriting

Provide fast decisions & solutions to funding requirements.


Brokers and intermediaries

We’re always interested in building long-term relationships with new intermediaries. If you would like to work with us, please contact us on the
number below.

02921 150 818

Why Choose Us

Internal Refinance

Option to refinance onto the lowest available rate when LTV allows.

Fast decisions, Fast completion

Dedicated loan manager from enquiry to drawdown.

Mini Mezz Products

Westgate offer loans from as little as £5,000.

Forward Thinking Lending

Transforming umortgageable / uninhabitable properties into valuable assests.