saxontrust.com

What It Is

Saxon Trust Ltd is a UK specialist property finance provider headquartered in London, with a history dating back to 2006. It was originally known as Calmez and later expanded under the Saxon Trust brand in 2020 as a first-charge property finance provider. It is not a payment gateway or e-wallet, but a specialist lending service provider for property developers, investors, landlords, and brokers.

Core Capabilities

Its products cover bridging loans, development finance, Finish & Sell, Market & Sell, refurbishment finance, commercial-to-residential conversion finance, and joint venture development finance. The website states that it has funded more than £300 million in property development and acquisitions across the UK, covering over 200 projects, and has partnered with more than 50 developers. Loans are typically secured against residential or commercial property. Some products disclose loan amounts from £100,000 to £5 million, terms of 3 to 18 months, and up to 75% LTV; development loans can cover up to 100% of build costs and up to 70% of day-one land/site purchase costs.

Pricing and Process

Saxon Trust emphasizes “Flexible Funding, Fixed Rates,” using fixed interest rates and project-based quotations, but it does not publicly disclose specific rates, APR, arrangement fees, or exit fees. The process includes enquiry, application, assessment, valuation, legal review, and drawdown, with funds ultimately paid into the borrower’s solicitor account. After an enquiry, the team typically responds within 24 hours. An application fee must be paid before valuation begins, and legal fees must be deposited in advance or covered by an undertaking from the solicitor.

Pros and Cons

Its strengths lie in a comprehensive product range, a strong understanding of complex property projects, direct access to decision-makers and underwriters, and an emphasis on transparency with no hidden fees. Its risk control is also relatively traditional, relying on project documentation, borrower experience, identity information, property valuation, and legal due diligence. The limitations are that the website does not disclose regulatory licences, a full fee schedule, or clear funding timelines. Its service area is mainly the UK, especially England and Wales, making it unsuitable for ordinary consumer payments or online financial API integration needs.

Who It’s For and Access from China

It is better suited to professional borrowers who have UK property collateral, development experience, and a need for short- to medium-term working capital or exit refinancing, as well as brokers serving such clients. Access from China is not disclosed in the main website content and is assessed as unknown.