Forward flow agreements
An agreed appetite to acquire new residential and commercial loans that meet our criteria as they complete, with a right of first refusal. Lenders gain reliable capacity without relying on a single warehouse line.
Loan Acquisition and Aggregation
UK real estate loan acquisition and aggregation
Ardfern Capital acquires residential and commercial real estate loans from established UK lenders and aggregates them into diversified portfolios for institutional investors.
What we do
A committed buyer of UK property loans
UK real estate finance relies increasingly on specialist and non-bank lenders. They originate high quality residential and commercial property loans, but most are funded by one or two warehouse lines and cannot grow beyond them.
Ardfern Capital buys those loans. We acquire residential and commercial property debt originated by established UK lenders, either as new loans complete or as seasoned portfolios, and apply a consistent credit framework to every loan we buy.
By aggregating loans from a panel of originators, we build portfolios with the scale, diversification and data that institutional investors, warehouse banks and, over time, the securitisation market require.
How we acquire loans
Three routes for lenders
Loan portfolio acquisition
The purchase of seasoned, performing loan books and individual loans from established lenders, releasing capital for new lending or supporting a refinancing.
Loan aggregation
Loans from several originators combined into diversified portfolios, built to the standards required by warehouse banks and, at scale, term securitisation.
The process
How a lender partnership works
We rely on our originators' expertise, but every loan is reviewed against our own criteria before it is acquired.
- IntroductionAn initial conversation about the lender's business, book and pipeline.
- Originator reviewDue diligence on management, underwriting, servicing and historical loan performance.
- Framework agreementAgreed eligibility criteria, pricing, alignment of interest and controls, including repurchase on breach.
- Loan-by-loan reviewEach loan checked against our criteria, with title and first-charge security taken in our name and verified by our own solicitors.
- CompletionFunds paid through solicitors' client accounts, never to the originator.
- Ongoing reportingLoan-level reporting, independent monitoring and loan files held by an independent custodian.
What we buy
Residential and commercial real estate debt
Senior secured, first-charge loans to companies and professional investors across the United Kingdom. No regulated mortgages or consumer lending.
Residential bridge finance
Residential bridging, refurbishment and residential development loans.
Read moreCommercial bridge finance
Loans secured on offices, retail, industrial, logistics and mixed-use property.
Read moreCapital partners
Separately managed accounts, co-investment and pooled vehicles for institutional investors.
Read moreContact
Start a conversation
We welcome enquiries from UK lenders considering a forward flow agreement or the sale of a loan portfolio, and from institutional investors.