Business Details
25 Years
experience
Specialist Banking Solutions in London
United Trust Bank is a specialist banking institution with a heritage of delivering tailored financial solutions. Established to support ambitious individuals and businesses, we focus on building long-term relationships through our specialist lending expertise and customer-centric approach. Our services span asset finance, bridging finance, mortgages, and structured property finance, underpinned by a commitment to innovation and service excellence. With a board comprising seasoned professionals, we combine deep industry experience with a forward-thinking mindset to address complex financial needs. Our accreditations include authorization by the Prudential Regulation Authority and membership of leading financial industry bodies.We prioritize transparency, ethical practices, and personalized support, ensuring clients receive solutions aligned with their unique goals. Operating since 2001, we have navigated economic challenges while maintaining stability and growth. Our team of experts brings decades of collective experience in corporate banking, FinTech, and investment sectors. We serve a diverse client base, including intermediaries, developers, and private customers, across the UK and internationally. Our digital transformation initiatives, such as online banking, reflect our dedication to modern, accessible financial services.
Services
Mortgages
Asset Finance
Bridging Finance
Property Development Finance
Structured Property Finance
Details
- Year established: 2001
Highlights and features
- We offer over 20 years of specialist lending experience.
- Our board includes experts with decades in financial services.
- We provide tailored solutions for complex financial needs.
- We are authorized and regulated by top UK financial authorities.
- Our digital innovation ensures modern, accessible banking.
Associations and certifications
- Prudential Regulation Authority
- Financial Conduct Authority
- Financial Services Compensation Scheme
- UK Finance
- Bridging & Development Lenders Association
What people say
Award-winning customer service
Tailored financial solutions
Experienced professionals
Strong industry reputation
Services
Mortgages
We provide residential and buy-to-let mortgage solutions for individuals and investors. Our offerings include first and second charge mortgages, with flexible terms to suit diverse property portfolios. Clients benefit from specialist advice and competitive rates tailored to their financial circumstances.
Asset Finance
Our asset finance solutions enable businesses to acquire essential equipment through hire purchase or leasing arrangements. We support sectors ranging from construction to technology, offering structured repayments aligned with cash flow requirements. Expert guidance ensures clients maximize asset utilization while maintaining financial flexibility.
Bridging Finance
We deliver regulated and commercial bridging loans for property transactions requiring swift funding. Schemes include development exits, property auctions, and interim financing. Rapid processing, with completions achievable within seven business days, supports time-sensitive opportunities in real estate markets.
Property Development Finance
Our development finance caters to residential and commercial projects, from small-scale renovations to large portfolios. We fund schemes like the 33m HMO portfolio and 16.5m Surrey developments, providing phased drawdowns and expert risk assessment throughout the construction lifecycle.
Structured Property Finance
We arrange bespoke financing for non-standard property transactions involving multiple securities or unique ownership structures. Recent cases include 5.2m regulated developer exits and 2.8m residential investments, demonstrating our capability to resolve intricate financial challenges through innovative structuring.
People
Nick P. Clegg
Former Chair
Led United Trust Bank through significant growth from 2001, including navigating the 2008 financial crisis. A banking veteran with six decades of experience, he previously held leadership roles at Daiwa Europe and received a CBE for UK-Japanese relations contributions.
Graham Davin
Former CEO
Served as CEO from 2004 to 2020, overseeing strategic expansion. Previously CFO at Investec Bank and founding partner of Insinger de Beaufort Group. Currently Senior Independent NED at Foschini Group and Chair of Optalitix Insurtech.
Sarah Laessig
Non-Executive Director
Financial services executive with 17 years at Citigroup. Senior Independent Director at NEST and advisor to data.world. Holds an MBA from Wharton and Financial Times Non-Executive Director Diploma, bringing corporate governance expertise to the board.
Maria Harris
Consultant
Former Director of Intermediary Lending at Atom Bank, now advising on FinTech and digital transformation. Created Atom Bank's award-winning mortgage proposition. Chartered Fellow of the Management Institute and technology sector advisor.
Andrew Woosey
Non-Executive Director
Experienced board member with roles at AIB Group and Bain Capital portfolio companies. Qualified Chartered Accountant and Cambridge graduate. Provides strategic oversight across financial services and investment sectors with a focus on regulatory compliance.
Questions
What mortgage products does United Trust Bank offer?
We provide residential, buy-to-let, and second charge mortgages tailored to individual and investor needs.
Do you offer online banking services?
Personal customers access online banking; business services are transitioning with interim email/phone support.
What specialist lending options exist for developers?
We fund residential and commercial developments, including HMO portfolios and complex property conversions.
Are there financing options for asset purchases?
Yes, our asset finance solutions support equipment acquisition across multiple industry sectors.
Which regulatory bodies oversee your operations?
We are authorized by the Prudential Regulation Authority and regulated by the FCA.
