Launched late May 2019, Arbuthnot Specialist Finance Limited (ASFL) is the short-term property finance arm of Arbuthnot Latham, a private and commercial bank serving clients since 1833. The Arbuthnot Specialist Finance team jointly led by Shoaib Bux and Yasin Patel, provides real estate finance solutions for purchase, refinance and construction projects throughout the UK.

Product Offering

ASFL offer competitive products across three core areas – Residential, Commercial and Heavy & Conversion Refurbishment – with rates starting from 0.65% pm.

As not all risk factors are exactly the same, ASFL offer pricing not based on LTV but reflective of the overall risk of the deal.

There are many headline grabbing rates from lenders in the market, rates that contain hidden costs and associated fees which ultimately means that the overall cost to the client ends up being higher than what was originally expected.

ASFLs product offerings is clear and transparent from the outset with the added feature of having no exit fees, default charges or early repayment charges. Making it easy for the client to understand the total cost of the facility.

 Product Parameters

 Residential Investment: Up to 70% LTV (Below Market Value – Up to 95% of purchase, not to exceed 85% of 90 day value)

  • Commercial Property: Up to 65% (Below Market Value – Up to 95% of purchase price, not to exceed 85% of 90 day value)
  • Light Refurb & Heavy Refurb: Up to 70% LTV, Up to 100% of Build Cost cap by 70% LTGDV

For more details on Arbuthnot Specialist Finance offerings please click here for their product guide.

The Team

The nine dedicated Specialist Finance team members have decades of experience combined with more than 185 years of Arbuthnot’s banking heritage enables them to provide a full range of property finance facilities from purchase and refinance through to large construction funding.

This enables clients to experience shorter reporting lines and dedicated specialist finance credit functions from a highly experienced lending team. In less than two weeks of their official launch, ASFL completed their first loan agreement and auction purchase transaction.

The joint Managing Directors alone total 25 years’ experience in the specialist lending industry, having previously both been Divisional Directors at Amicus, in addition to launching Mayfair Bridging in 2007.


ASFL has been built on the ethos of the Arbuthnot name, aiming to build long-term relationships with clients and introducers in the UK, bringing Arbuthnot Latham’s relationship-led service to the specialist finance market.

Yasin Patel, Managing Director

With over 12 years’ experience in the specialist lending industry, Yasin has led high performing teams and delivered some of the most innovative transactions in the market. An authority in bridging finance, he has strong experience in all aspects of the lending cycle, from originations to collections. Most recently, Yasin was Divisional Director of Amicus Finance Plc, and he launched Mayfair Bridging with Shoaib Bux in 2007.

Tel: 0161 694 0059