01
Commercial Assets
Our experience covers offices, retail, hospitality, industrial, logistics and operational real estate, supporting investors through complex transactions and growth opportunities.
Lumora Capital
Specialists in £10-50m Real estate backed bridging Finance.
Capital. Clarity. Confidence.
Why Lumora Capital?
We make the complex, simple and certain.
Property Investors are losing time, money and deals. Most lenders are not able to deliver on complex and sizeable transactions.
- Expert Underwriters — £17Bn+ of deal structuring experience
- Clarity of Terms — Straightforward structures, no hidden catches
- Speed of Assurance — Fast, decisive financing without compromising certainty
Our Products
Precision in Every Transaction
We provide funding up to 75% LTV across residential, commercial, and mixed-use real estate across the UK — from prime city buildings to income-producing assets and portfolios. We fund acquisitions, refinancing, and stabilisation of assets. Our focus is on scale, stability, and certainty of execution.
02
Alternative Assets
We cover strategic land, development sites and mixed-use assets, supporting sponsors through planning milestones, refinancing events and growth opportunities.
03
Residential Assets
Our products support the modern living sector, supporting investors and operators across co-living, multi-unit residential, HMOs, care and assisted living assets.
Who We Are
Built for the deals that matter.
Lumora Capital was founded because too many deals that should have closed never did.
Not because the borrower lacked credibility. Not because the asset lacked quality. But because decisions moved too slowly, complexity surfaced too late, and certainty disappeared when it mattered most.
We built Lumora to change that. Our model brings together lending, credit, legal and risk expertise from day one, allowing us to identify issues earlier, remove unnecessary friction, and give borrowers and brokers the confidence to move forward.
Experience
In Numbers
- In Lending
- In Restructuring
- Jurisdictions
Our Collective Experience & Track Record
Proven Execution. Strategic Deployment.
We provide agile, high-leverage funding solutions tailored to the complexities of the UK residential market. From ground-up developments to strategic portfolio restructuring and high-yield HMO conversions, our data-driven underwriting ensures rapid, reliable capital deployment. Explore our recent residential success stories below.
Market Insights
Our Thoughts and News
From market insights and transaction trends to media appearances and industry perspectives, discover how we think about the opportunities and challenges shaping today's lending market.
May 2026Policy Analysis
The law that protects tenants by excluding them
April 2026Market Outlook
The next five years of UK property debt
February 2026Corporate Introduction
