PMJ Capital Bridging Loans
Access PMJ Capital's private bridging finance through Doulton. Personalised service, flexible terms, and lending solutions for complex and non-standard property transactions.
PMJ Capital bridging loans through Doulton
PMJ Capital operates as a private bridging lender, bringing a personal touch to short-term property finance. Their ability to make independent lending decisions without external constraints means they can move quickly and consider cases that institutional lenders would typically decline. For borrowers who need a flexible, responsive funding partner, PMJ Capital is a strong option.
As an experienced bridging finance broker, Doulton has a direct relationship with PMJ Capital. We search across 130+ lenders including PMJ Capital to find your best deal, ensuring you get the most competitive terms available for your specific circumstances.
What PMJ Capital offers
Personalised Lending
PMJ Capital treats every application individually. As a private lender, they have the freedom to structure deals around your specific needs rather than fitting cases into rigid product criteria.
Complex Cases Considered
PMJ Capital is comfortable with cases that mainstream lenders find difficult. Adverse credit, unusual property types, and non-standard situations are all assessed on their merits with a view to finding a workable solution.
Direct Access to Decision Makers
With PMJ Capital, you deal directly with the people who make the lending decisions. There are no layers of bureaucracy or automated credit scoring systems standing between your application and approval.
Flexible Loan Terms
PMJ Capital offers bridging terms from 1 to 18 months, with the ability to extend where circumstances require it. This flexibility is valuable for projects where timelines are uncertain or where exits may shift.
Residential and Commercial Security
PMJ Capital lends against a wide range of property types including residential homes, buy-to-let portfolios, commercial premises, and mixed-use buildings across England and Wales.
Confidential and Discreet
As a private lender, PMJ Capital operates with discretion. Borrowers who value privacy in their financial dealings benefit from a lender that handles cases with complete confidentiality.
The advantage of going through Doulton
While PMJ Capital is a capable private lender, they are just one option in a market of over 130 specialist bridging providers. By working with Doulton, you gain access to the entire market - not just a single lender's products. We compare PMJ Capital's terms against every other lender to make sure you are getting the best deal.
Our established relationship with PMJ Capital means we can often negotiate better terms than you would receive going direct. We understand their criteria inside out, which means fewer delays, fewer declines, and faster completions. If PMJ Capital is not the right fit, we will tell you - and place your case with a lender that is.
Looking for a PMJ Capital bridging loan?
We search across 130+ lenders including PMJ Capital to find your best deal. Get an indicative quote within hours.
Frequently asked questions
Can I apply to PMJ Capital directly or do I need a broker?
Most specialist bridging lenders including PMJ Capital prefer intermediated business and either do not accept direct applications or reserve their best pricing for broker-introduced cases. Going through a whole-of-market broker like Doulton means your application is placed on the right desk, structured the way the underwriter wants to see it, and benchmarked against 130+ alternative lenders before you commit.
How does PMJ Capital compare with other bridging lenders?
No single lender is the cheapest or fastest on every case. PMJ Capital may offer market-leading rates on one property type and be uncompetitive on another. We look at your specific scenario - property, LTV, exit strategy and timeframe - and identify which of the 130+ lenders on our panel will give you the best overall deal.
How fast can PMJ Capital complete a bridging loan?
Straightforward bridging cases can complete in 5 to 10 working days. More complex scenarios - unusual security, cross-collateralisation, multiple owners - typically take 2 to 3 weeks. Speed is driven by valuation and legal turnaround more than underwriting, so coming in with clean paperwork makes the biggest difference.
What rates do specialist bridging lenders charge?
Rates currently range from around 0.49% per month for prime residential first-charge deals at lower LTVs, through to 1.25%+ for heavy refurbishment, complex commercial, or higher-LTV transactions. Arrangement fees are usually 1-2% and most lenders will accept retained, rolled-up or serviced interest.
Does using a broker cost more than going direct?
No. Broker fees are typically disclosed upfront and competitive deals often only become available via intermediaries. Lenders price in the underwriting and packaging work a good broker does, so you usually end up with a lower all-in cost than going to the lender's direct-to-consumer desk.
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