The Clear Choice

For Bridging Finance

Help your clients bridge the gap! We specialise in sourcing flexible solutions for all of your complex cases. From commercial to residential bridging, we can provide dedicated support, speedy, world-class service and competitive rates.

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Flexible terms
Loans from £25,000+
Quick completions
Bridging Calculator

Get instant rates for your clients

Instant indication • No obligation • FCA regulated

The Clear Choice

For Buy to Let Mortgages

Access a range of competitive specialist buy to let mortgages available from our comprehensive panel. Whether your clients are expanding their portfolio or purchasing their first rental property we can help to find a solution.

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No maximum lending limit
Up to 80% LTV
Flexible solutions
Buy To Let Calculator

Calculate minimum rent needed for your clients

Instant indication • No obligation • FCA regulated

The Clear Choice

For Commercial Mortgages

Grow your commercial business! Help your clients secure a commercial mortgage with competitive rates. Our specialist team supports brokers with finding solutions where others can’t. From office buildings, retail spaces and investment properties.

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3-30 year terms
Up to 80% LTV
Competitive commission
Commercial Calculator

Calculate monthly repayment for your clients

Instant indication • No obligation • FCA regulated

The Clear Choice

For Development Finance

Support your clients’ ambitious projects! We understand construction timelines and can provide tailored client terms alongside competitive commission structures. From land acquisition to project completion, we help secure flexible development funding for your clients.

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Efficient processes
Loans from £25,000+
Ultimate Flexibility
Development Calculator

Calculate funding for your clients

Instant indication • No obligation • FCA regulated

The Clear Choice

For Secured Loans

Secure additional funding for your clients! We can support with funding secured against a property without remortgaging. Suitable for home improvements, debt consolidation or other large expenditures.

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Loans from £3,000+
Up to 95% LTV
ERC free available
Secured Loan Calculator

Calculate client additional borrowing

Instant indication • No obligation • FCA regulated

The Clear Choice

For Residential Mortgages

Help your clients purchase their first or next home! We specialise in sourcing residential mortgages for clients when high street lenders say no. From complex income structures to first time buyers, we can help find a solution.

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Loans from £5,000+
Up to 97.5% LTV
Specialist lender access
Residential Calculator

Calculate client repayment

Instant indication • No obligation • FCA regulated

Choose How You Work With Us

Whether you prefer to refer clients, or package cases yourself, Crystal are committed to helping you complete more cases with confidence.

Referred Business

Simple & Streamlined

Focus on building your client relationships, while we handle the complex case packaging and processing.
  • Quick Referral Process
    Simply pass us a name and number and we’ll do the rest
  • Reduced Responsibility
    We handle advice, documentation, underwriting, and completion with the customer
  • Regular Updates
    Stay informed throughout the process via our CrystalHUB
  • Competitive Commission
    Earn excellent commission without the workload
A great option for high volume brokers, new brokers & time-conscious brokers

Packaged Business

Client Ownership & Expert Support

Manage the customer relationship, while we handle the complex case packaging and processing.
  • Maintain Customer Control
    You will remain the clients point of contact, we work behind the scenes
  • CrystalHUB Access
    Full platform access for case management
  • Priority Support
    Direct access to our specialist team to support your client conversations
  • Competitive Commission
    Earn excellent commission upon completion
A great option for experienced brokers & specialist finance experts

1 hour

Terms Issued

£2.5B+

Total Lending

4.9/5

Customer Rating

2,000+

Happy Brokers

Introducing CrystalHUB

The Ultimate Case Management Platform


Experience streamlined case management with our all-in-one platform.
Lightning Fast

Process applications quickly with our streamlined workflow

Real-time Tracking

Monitor cases as they progress through to completion

Efficient Process

See whether your clients are eligible for a loan in a few simple clicks

Our Services

Specialist solutions for complex circumstances
Bridging Finance

Fast decisions for complex cases

BTL Mortgages

Flexible solutions for first-time to experienced landlords

Commercial Mortgages

Competitive rates for commercial properties

Development Finance

Funding for property development projects

Secured Loans

Available on commercial, residential and buy-to-let properties

Residential Mortgages

Home financing for your clients

How We Work

01

Submit Enquiry

Quick and easy application process through our CrystalHUB
02

Lender Match

We'll match your client’s case with the most suitable product and lender
03

Fast Decision

Receive terms in as little as 1 hour
04

Complete & Fund

Streamlined completion process with dedicated support

Featured Success Stories

Our most impressive recent completions

What Our Brokers Say

Trusted by mortgage professionals across the UK

Ready to Partner with Crystal?

Join our network of successful brokers and start completing your complex cases today.

Become a Partner Contact Us

General FAQs

Going direct can work for straightforward cases, but more complex deals often need specialist solutions. A specialist finance distributor can save brokers time, widen lender access, and help structure a case before it reaches underwriting. Crystal works across bridging, buy to let, commercial, development, second charge, and specialist residential lending, which means brokers can sense-check more unusual scenarios through one experienced team rather than starting from scratch with individual lenders.

Crystal supports brokers across bridging finance, buy to let mortgages, commercial finance, development finance, second charge loans, specialist residential mortgages, and specialist services. A landlord refinance might also lead to a second charge discussion, and a development case might later become an exit or commercial conversation. Having wider product coverage helps brokers keep momentum when a loan comes to the end of its term, and an alternative option needs to be considered.

Crystal is a specialist finance distributor, not a lender. We work with an extensive panel of specialist lenders to help brokers source solutions for client’s complex cases. We give brokers access to broader lender appetite, a more practical view of criteria, and support on how documentation required before it is submitted. In some scenarios, there may also be access to exclusive or semi-exclusive products through our lender relationships.

With a packaged case, Crystal works with the broker and the broker keeps control of the client relationship. With a referred case, Crystal deals directly with the client and manages the journey through to completion, while the broker can view updates via our secure CrystalHUB. The right route depends on how hands-on the broker wants to be, what permissions they hold, and how much support the case needs. Both routes are designed to help brokers place specialist cases with confidence and either way, 50% of the procuration fee is paid to the broker upon completion.

Brokers can submit a case through their Business Development Manager, an New Business Adviser, or online via the CrystalHUB, depending on how they prefer to work. Once the enquiry is received, the New Business team reviews the case details and may come back with a few questions if anything needs clarifying before underwriting. The clearer and more detailed the initial information, the quicker the case can move forward. For time-sensitive deals, it is always worth flagging urgency early so the right expectations can be set from the start.

The exact information depends on the product and nature of the deal, but most quotes start with the basics: loan amount, property value, purpose of the loan, client background, income profile where relevant, and any key issues that could affect the lenders decision. For bridging and development cases, the exit strategy is especially important. For buy to let and commercial deals, property type, tenancy, and ownership structure can make a big difference. A fuller picture upfront usually leads to a faster and more useful response.

Crystal aims to respond to new enquiries within 4 working hours. We understand that brokers are often juggling client expectations and need to respond in a timely manner.. An initial response does not always mean a full solution there and then, but it should give a sense of appetite, the likely route, and what further information is needed to move the case forward.

Crystal aims to process applications within 24 hours of receipt. Actual timescales depend on the complexity of the case, the lender involved, and how quickly supporting documents are supplied, but the aim is to keep cases moving. For brokers, speed is usually not just about completion. It is about gaining traction early and keeping the client confident that the deal is progressing.

Yes. With a packaged case, the broker keeps the client relationship and Crystal works behind the scenes to support the placement of the case. With a referred case, Crystal deals directly with the client, but the broker remains part of the process and receives updates through our CrystalHUB. The route depends on the broker’s preference.

Yes. Crystal’s proposition is built around working with brokers and introducers across the specialist finance market, including different distribution models. That means support for directly authorised brokers, as well as brokers operating through networks and clubs.