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Finance for property & home improvements

Property transactions

Use your luxury assets to raise finance for a property purchase, a bridging need or home improvements, a discreet and flexible alternative to property lending.

Competitive offers
Quick payment
Confidential service
Safe & secure
Why us

Why use us for property and home improvements

Our finance suit clients seeking fast, short term finance around property, whether bridging a purchase, topping up existing finance or funding improvements. With no monthly repayments, they can help until your sale completes or longer term finance is in place.

Top up existing property finance

Use our funding to top up existing bridging finance in the short term, complementing the property loans you already have.

A faster alternative to property finance

Traditional bridging loans can take weeks to complete. Our finance is often available the same day, when timing matters most.

Bridge a property sale

If you need short term finance while a property sale completes, our loans are available for up to 6 months, providing a flexible bridge.

Keep building projects moving

Use our finance to keep builders and suppliers paid, helping prevent costly delays to your renovation.

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A recent client story

Fast finance for a property developer

A property developer needed additional finance but couldn't raise it against their property portfolio. Knowing they personally owned a large gold collection, we provided an £83,000 loan against gold coins and Krugerrands at a 75% loan-to-value (LTV) ratio. We had the money in the client's bank account within 24 hours of the first enquiry, to be repaid from the sale of a property expected in three months' time.

WHY US

Why borrow with us

A discreet pawnbroking loan service for borrowing against luxury assets, trusted by clients across the UK for fast, flexible funding.

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Average payout time of 5 hours

Appointments usually take 30 to 60 minutes, with cash in your bank on average within 5 hours of signing the agreement.

£300m+ paid to clients

We have paid clients over £300 million through loans and sales, with individual payouts from £250 to over £500,000.

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60,000+ clients served since 2010

Trusted by thousands of clients to access quick, discreet funding on luxury assets, from single items to large collections.

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3 London stores & offices UK wide

Three central London stores, plus private offices in regions across the UK available by appointment for high value loans (over £40,000).

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20% of clients loan from home

Clients across the UK loan with us from home, with free and insured home collection or visits and agreements issued digitally.

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95%+ loan redemption rate

Most of our clients repay their loan and receive their items back, with no repayments required until the point of redemption.

HOW DO PAWN SHOPS WORK

A fast and simple process

Whether you are borrowing or selling, our process offers fast access to funding wherever you are based in the UK.

Get in touch

Get started by providing details about the asset you would like to borrow against or sell.

Receive a quote

Our specialists assess your asset and provide a free, no obligation quote in as little as 1 hour.

Get your assets to us

Bring your asset to one of our stores anytime or by appointment, or use our home collection service.

Receive payment

Accept the agreement and receive payment via same day bank transfer. Our team is here to help with ongoing aftercare.

Resources

Insights & guides

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How to spot a fake Rolex in 5 minutes

Learn how to spot a fake Rolex. Compare fake Rolex vs real details and how to avoid Rolex super clones in under 5 minutes. Find out if your Rolex is a dupe.

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Is it a good time to sell gold?

Wondering when is it a good time to sell gold? With gold prices at historic highs, discover if selling your gold jewellery and assets now is the right option for you.

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How to tell if gold is real

Find out how to tell if gold is real, check gold hallmarks and learn how to test gold at home using simple and quick methods to test gold.

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Real vs fake Hermès bags

It can be difficult to tell an authentic Hermès bag from a fake Hermès dupe. This article explores the steps for how to identify fake vs real Hermès bags.

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Gold valuation guide

Understand the types of gold valuations, why gold value varies, and how we value gold coins, jewellery and bullion before selling or loaning against your gold.

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Jewellery valuation guide

Learn how jewellery valuations work, why prices vary, what influences jewellery appraisals, and the differences between resale, insurance, and loan valuations.

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How to spot a fake designer handbag

Find out what to look for in a fake designer handbag or purse, including packaging, documentation, and stitching. Learn how to tell if a handbag is authentic.

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What are the best alternative investments in 2026?

Discover the Knight Frank Luxury Investment Index and explore the best investments in 2026 across passion assets and collectables.

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Which are the best jewellery investment pieces?

Investing in jewellery is increasingly popular. Find out some of the best jewellery to invest in, such as Tiffany, Cartier and Van Cleef investment jewellery.

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Are designer handbags a good investment?

Is it wise to invest in handbags in 2026? Explore handbags as an investment, from classic designer pieces to emerging brands that could grow in value.