Align Property Finance

Align Property Finance, property finance brokerage in Sawbridgeworth

Align Property Finance is an independent property finance brokerage with its operating base in Sawbridgeworth (Hertfordshire, United Kingdom). The firm presents itself as an intermediary, not a lender: it works with a panel of lenders and receives variable commissions depending on the lender and the model used, with fee structures based on fixed fees, fixed rates or a percentage of the loan. According to data on its website, since July 2024 it has brokered over £0 million in finance for its clients.

Its activity is aimed at property developers, investors and growing businesses. The team states that it builds long-term relationships and supports the client from the first instruction through to completion and beyond, with an approach the firm itself describes as transparent and free of unnecessary jargon.

Finance lines

The offering is organised into four main areas:

• Bridging finance: short-term finance to act quickly on purchases, auctions or refurbishments, or when long-term finance is not yet in place.
• Development finance: structured finance to support a project from land acquisition and initial works through to the final construction stages.
• Investment & commercial finance: support for the purchase, refinancing or expansion of residential and commercial portfolios, as well as debt restructuring.
• Sharia-compliant property finance: an ethical alternative to conventional finance, structured without interest and based on transparent, asset-backed agreements, for residential, investment and commercial properties.

Team

The firm identifies four key people: Patrick Coughlan and Matthew Martin as directors, Clara Beeston as operations manager and David Mill as relationship director.

Case studies

The website includes examples of deals completed by the brokerage. These include the refinancing of an unencumbered property to release capital and reinvest it in a portfolio; securing urgent bridging finance within days to avoid losing a purchase; consolidating several loans for a landlord into a single facility; financing a residential project for a developer; resolving complex cases with limited trading history or unusual property types; a development exit loan to allow time to sell units at market price; the refinancing of a part-completed development with a more mainstream lender; an opco/propco structure enabling a company to purchase the premises it had been renting, separating the asset from the business; and a purchase facility against an unencumbered portfolio, with drawdowns in tranches.

Memberships and registration

Align Property Finance Ltd is registered with the Office of the Information Commissioner under number ZB652328 and is a member of the NACFB. The company is registered under number 15184216 and its registered office is at 19-20 Bourne Court, Southend Road, Woodford Green, Essex IG8 8HD.

Location and contact

T2, Allen House Business Centre, The Maltings, Station Road, Sawbridgeworth, Hertfordshire CM21 9JX · Phone: 01279 295 615 · Email: business@alignpf.co.uk