Warehouse Funding Lines for UK Property Lenders: Getting Your First Facility
Wholesale Funding · September 2026 · 5 min read
How warehouse lines work for bridging and property lenders, what funders look for in a loan book, and how to move from balance sheet lending to a facility.
Most specialist property lenders start by lending their own or their investors' money. That caps growth: once the capital is deployed, new loans wait for old ones to repay. A warehouse facility breaks that link. A senior funder lends against your loan book, so each new loan is part-funded by the facility and your own capital goes further.
The funder provides a revolving facility secured on the loans you originate. Each eligible loan is added to the pool, and the funder advances a percentage of it. You fund the rest, the first-loss piece, from equity or a junior investor. As loans repay, the facility pays down and can be redrawn for new lending.
The key terms are the advance rate, the eligibility criteria, the concentration limits and the triggers that stop further drawing if the book performs badly.
Track record. Funders want to see a history of lending, ideally over at least a couple of years, with clean data on every loan: size, LTV, security, term, arrears and outcomes.
In this article
- How a warehouse line works
- What funders look for
- Getting ready
- What we do
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