Azure Mortgage & Asset Management Services Limited
'The accumulation of land and real estate (physical landed property),
is the most popular store of wealth in the United Kingdom.'
In April 2020 to March 2022, net property wealth made up 40% of household wealth in Great Britain, private
pension wealth made up 35%, net financial wealth made up 14% and physical wealth made up 10%.
Wealth in Great Britain page 11, 2.2
House of Commons Library (Research Briefing) 3 November 2025 by Brigid Francis-Devine
When speed matters, bridging finance delivers fast, flexible capital—whether you need to secure an opportunity before it disappears, support business cash flow during a critical moment, or cover an unexpected shortfall.
It’s ideal for below‑market purchases, auction acquisitions requiring completion within 28 days, quick refurbishments on non‑mortgageable properties, or any legal business purpose.
We specialise in completing quickly. Instead of lengthy traditional underwriting, we focus on a clear, credible exit strategy so you can act decisively when it matters. Our lender network provides highly competitive rates and transparent costs, giving you the liquidity to to act decisively when it matters.
For larger-scale redevelopment
and ground-up construction, we source fairly priced, staggered finance, (tranches), designed to support your project at every construction or refurbishment stage.
Development finance usually involves staged funding: we utilise development funders who only charge interest on the amounts that you have drawn down; however, some lenders deduct the full interest on the whole facility from day one (even though you are not using some
of the capital yet). It’s still in the lender’s bank account but they’re charging you interest.
How can this be fair?
Development finance pays a percentage
of the project acquisition and 100%
of the construction costs released in tranches
as your project evolves.
By employing us, we will access
competitive terms with lenders who understand the complexities of construction and calculate fairly, allowing you to focus on the build,
while we ensure the capital is there,
exactly when your contractors require it.
Available for experienced and first-time developers.
Bridge to Let is specialist short-term financing and is extremely cost effective as the lender already has your details. Lenders reduce their associated fees when they fund the project and the long term BTL mortgage.
With the initial certainty of your BTL exit
before you even embark on your construction project. The Bridge-to-Let process, checks
the compatibility for both short and long term facilities at the same time, reducing the expense of the short term finance by speeding up
the long term finance application
and completion.
A BTL positive decision is ready to proceed
when a project nears completion.
Bridge to Let reduces the risk for both
borrower and lender compared to standard bridging, where the exit (redemption of the short term finance) is a BTL re-mortgage
with a different lender; this carries
more uncertainty.
For higher and additional-rate taxpayers, a limited company is often the most tax-efficient structure for property investment and development.
Unlike personal ownership, where finance costs only receive a 20% tax credit, a limited company allows you to deduct all mortgage interest and related costs as a business expense before paying Corporation Tax. This is particularly beneficial when scaling a portfolio or managing property sales.
With trust and estate planning, one cannot
avoid, totally, the IHT gateway but the liability can be reduced, with professionally devised, in life and death planning. Not a great subject but a necessary one, as you could save your loved ones, 10’s of £1000’s.
We work with level three, highest tier accredited, (full TEP status), Trust & Estate Practitioners and we are able to access for you, a free asset protection plan of action, uniquely tailored to your individual asset holdings; to care for the people most important to you when you’re no longer here to protect them.
Some of the major risks to your wealth.
M.A.D. - Marriage After Death
Your spouse could remarry after your death, your spouse dies and the funds for your childrens’ inheritance could be transferred to a completely different bloodline without the previous allocation
to a trust.
Divorce
Half of your child’s inheritance goes the ex-spouse, if the funds were in a trust, they are ring fenced away from the divorce settlement.
Bankruptcy
Your child’s inheritance in a trust, is protected from bankruptcy loss.
Inheritance Tax Generational IHT can be removed from the funds you allocate to trust. The IHT gateway for the immediate generation below, the IHT liability
cannot be avoided only minimised, but the inheritance you leave in trust which is passed from generation to generation, (after the direct generation below you), is IHT exempt; is our understanding.
Means Tested Benefits Inheritance funds placed in trust, is ring fenced, away from Government benefit income and capital holding calculations; for the physically
and mentally disabled. Long Term Care Costs There are strategies which can remove these cost from your estate.
Legislation is regularly changing, some of the above information may not be accurate anymore but we can introduce you to expert ‘TEP: Level 3’ Trust and Estate practitioners, who will give you a free, asset protection strategy, after assessment of your estate holding;
consistent with today’s UK legislation.
None of the above is legal advice.
We believe in delivering a first-class service to our clients, especially when we are working on a project/application with you, we make ourselves available via message or phone call, seven days a week from 9am to 9pm.
We can set you up a Limited Company with a related, no monthly fee, Ltd Company bank account within 48 hours, for our administration fee of £50, only payable on completion.
We take the steam out of the whole process allowing you to progress unimpeded with what you do best: developing and building property or a portfolio.
Whether you are an experienced developer/landlord or you want to embark on building a property portfolio.
Try us, it costs you nothing for us to quote you a rate (with associated costs) as we work on the basis of:
No Completion No Fee. No Upfront Broker Admin Fees. No cancellation charge.
Our fee can be from £0 to £1,995 or 0.5% of the loan amount, whichever is the greater. Our fee is dependent on the type, size of the loan, and the work involved.
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