Funding Bold Ambitions. Fast
At Sovereign Finance, our approach is built on trust, clarity, and a deep respect for your financial ambitions. We understand that behind every loan application is a person — with goals, responsibilities, and a vision for something greater.
Whether you're unlocking equity, expanding your portfolio, or simply need fast funding when timing is critical, we deliver clear guidance and responsive solutions designed around you. No jargon. No delays. Just direct access to the financial tools you need — when you need them.
OUR SERVICES
Lasting Power Of Attorney
We guide clients through setting up Power of Attorney to protect their wishes and loved ones. Our process is simple, supportive, and stress-free — helping you choose someone you trust to make decisions if needed.
Bridging Finance
We help clients secure fast, flexible bridging loans when timing matters most. Whether you're buying before you sell, refinancing, or funding an urgent purchase, our process is quick, direct, and stress-free — with expert support every step of the way.
Structured And Private Lending
We arrange structured and private lending solutions tailored to complex needs. Whether it’s bespoke funding, asset-backed loans, or discreet high-value finance — we provide fast answers, flexible terms, and full confidentiality from start to finish.
Commercial and Investment Loans
Highlight coaching focused on financial literacy and money management. Describe how you help clients set financial goals, create budgets, manage debt, and make informed financial decisions for a secure financial future.
Testimonials
FAQS
What is a Power of Attorney and why is it important?
A Power of Attorney (LPA) is a legal document that gives someone you trust the authority to make decisions on your behalf — whether about your property, finances, or health — if you're unable to do so due to illness, accident, or mental incapacity.
Without an LPA, your loved ones may have to go through long, expensive legal processes just to access your bank account or manage your care. Putting an LPA in place now gives you control over who looks after your affairs later. It’s one of the most important legal protections you can set up — and it’s surprisingly affordable and simple with the right support.
What is bridging finance, and when would I actually use it?
Bridging finance is a short-term, interest-only loan typically secured against property or land. It’s used when fast funding is needed — often within days — for situations where traditional mortgages or bank loans are too slow or not suitable.
Common examples include buying a new property before selling your current one, covering a broken property chain, refinancing an expiring loan, stopping repossession, or exiting a development project.
Unlike banks, we prioritise speed and flexibility. Our clients range from homeowners facing time-sensitive decisions, to developers needing a fast capital injection, to investors making auction purchases.
Can I still get a loan if I’ve had credit issues or legal problems like receivership or repossession?
Yes — and that’s exactly where we shine. Unlike high-street banks, we assess deals based on the asset value and exit strategy, not just credit scores or automated criteria.
We’ve helped borrowers with missed payments, low credit, CCJs, repossession notices, and properties already under receivership. What matters to us is whether the property provides adequate security and whether there’s a clear plan to repay the loan — either via sale, refinance, or income.
Our team, including specialists like Tom and Ray, understands complex, time-pressured situations and works quickly to find solutions — often when others can’t.
How long does it take to set up a Power of Attorney, and what’s the process like?
Setting up a Power of Attorney usually takes between 4 to 8 weeks, depending on how busy the Office of the Public Guardian is. But the paperwork and process can feel overwhelming without support — especially for families doing it for the first time.
We make it easy. Our team handles the paperwork, ensures it's legally correct, submits it on your behalf, and keeps you updated along the way. Whether it’s a Property & Financial Affairs LPA, a Health & Welfare LPA, or both, we offer fixed pricing, friendly support, and a clear process from start to finish.
Having an LPA in place now avoids huge stress and legal costs later — especially if something unexpected happens.
Why choose us for lending, bridging, and Power of Attorney services?
Because we understand that life doesn’t fit into neat boxes. Maybe you need urgent funding to stop a repossession — and also need legal protection for a vulnerable relative. Maybe you're a landlord wanting to refinance and release equity, while also planning ahead with your family.
Our team brings it all together. We’re not just lenders or legal form-fillers — we’re problem-solvers. Whether it’s Tom helping you structure a loan, Ray reviewing a complex case, or one of our legal advisors walking your family through LPAs, we move quickly, explain things clearly, and act in your best interest.
Clients choose us because we combine speed, clarity, experience, and care — across property finance, legal protection, and long-term peace of mind.
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