The Clear Choice
For Bridging Finance
Help your clients bridge the gap! We specialise in sourcing flexible solutions for all of your complex cases. From commercial to residential bridging, we can provide dedicated support, speedy, world-class service and competitive rates.
Flexible terms
Loans from £25,000+
Quick completions
Try our handy Bridging Calculator
Get instant rates for your clients.
The Clear Choice
For Buy to Let Mortgages
Access a range of competitive specialist buy to let mortgages available from our comprehensive panel. Whether your clients are expanding their portfolio or purchasing their first rental property we can help to find a solution.
No maximum lending limit
Up to 80% LTV
Flexible solutions
Try our handy Buy to Let Calculator
Get instant rates for your clients.
The Clear Choice
For Commercial Mortgages
Grow your commercial business! Help your clients secure a commercial mortgage with competitive rates. Our specialist team supports brokers with finding solutions where others can’t. From office buildings, retail spaces and investment properties.
3-30 year terms
Up to 80% LTV
Competitive commission
Try our handy Commercial Calculator
Get instant rates for your clients.
The Clear Choice
For Development Finance
Support your clients’ ambitious projects! We understand construction timelines and can provide tailored client terms alongside competitive commission structures. From land acquisition to project completion, we help secure flexible development funding for your clients.
Efficient processes
Loans from £25,000+
Ultimate Flexibility
Try our handy Development Calculator
Get instant rates for your clients.
The Clear Choice
For Secured Loans
Secure additional funding for your clients! We can support with funding secured against a property without remortgaging. Suitable for home improvements, debt consolidation or other large expenditures.
Loans from £3,000+
Up to 95% LTV
ERC free available
Try our handy Secured Loans Calculator
Get instant rates for your clients.
The Clear Choice
For Residential Mortgages
Help your clients purchase their first or next home! We specialise in sourcing residential mortgages for clients when high street lenders say no. From complex income structures to first time buyers, we can help find a solution.
Loans from £5,000+
Up to 97.5% LTV
Specialist lender access
Try our handy Residential Calculator
Get instant rates for your clients.
Choose How You Work With Us
Whether you prefer to refer clients, or package cases yourself, Crystal are committed to helping you complete more cases with confidence.
Referred Business
Simple & Streamlined
Focus on building your client relationships, while we handle the complex case packaging and processing.
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Quick Referral ProcessSimply pass us a name and number and we’ll do the rest
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Reduced ResponsibilityWe handle advice, documentation, underwriting, and completion with the customer
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Regular UpdatesStay informed throughout the process via our CrystalHUB
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Competitive CommissionEarn excellent commission without the workload
A great option for high volume brokers, new brokers & time-conscious brokers
Packaged Business
Client Ownership & Expert Support
Manage the customer relationship, while we handle the complex case packaging and processing.
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Maintain Customer ControlYou will remain the clients point of contact, we work behind the scenes
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CrystalHUB AccessFull platform access for case management
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Priority SupportDirect access to our specialist team to support your client conversations
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Competitive CommissionEarn excellent commission upon completion
A great option for experienced brokers & specialist finance experts
1 hour
Terms Issued
£2.5B+
Total Lending
4.9/5
Customer Rating
2,000+
Happy Brokers
Introducing
CrystalHUB
The Ultimate Case Management Platform
Experience streamlined case management with our all-in-one platform.
Lightning Fast
Real-Time Tracking
Efficient Process
Our Services
Specialist solutions for complex circumstances
How We Work
01
Submit Enquiry
02
Lender Match
03
Fast Decision
04
Complete & Fund
Featured Success Stories
Our most impressive recent completions
What Our Brokers Say
Trusted by mortgage professionals across the UK
Ready to Partner with Crystal?
Join our network of successful brokers and start completing your complex cases today.
General FAQs
Going direct can work for straightforward cases, but more complex deals often need specialist solutions. A specialist finance distributor can save brokers time, widen lender access, and help structure a case before it reaches underwriting. Crystal works across bridging, buy to let, commercial, development, second charge, and specialist residential lending, which means brokers can sense-check more unusual scenarios through one experienced team rather than starting from scratch with individual lenders.
Crystal supports brokers across bridging finance, buy to let mortgages, commercial finance, development finance, second charge loans, specialist residential mortgages, and specialist services. A landlord refinance might also lead to a second charge discussion, and a development case might later become an exit or commercial conversation. Having wider product coverage helps brokers keep momentum when a loan comes to the end of its term, and an alternative option needs to be considered.
Crystal is a specialist finance distributor, not a lender. We work with an extensive panel of specialist lenders to help brokers source solutions for client’s complex cases. We give brokers access to broader lender appetite, a more practical view of criteria, and support on how documentation required before it is submitted. In some scenarios, there may also be access to exclusive or semi-exclusive products through our lender relationships.
With a packaged case, Crystal works with the broker and the broker keeps control of the client relationship. With a referred case, Crystal deals directly with the client and manages the journey through to completion, while the broker can view updates via our secure CrystalHUB. The right route depends on how hands-on the broker wants to be, what permissions they hold, and how much support the case needs. Both routes are designed to help brokers place specialist cases with confidence and either way, 50% of the procuration fee is paid to the broker upon completion.
Brokers can submit a case through their Business Development Manager, an New Business Adviser, or online via the CrystalHUB, depending on how they prefer to work. Once the enquiry is received, the New Business team reviews the case details and may come back with a few questions if anything needs clarifying before underwriting. The clearer and more detailed the initial information, the quicker the case can move forward. For time-sensitive deals, it is always worth flagging urgency early so the right expectations can be set from the start.
The exact information depends on the product and nature of the deal, but most quotes start with the basics: loan amount, property value, purpose of the loan, client background, income profile where relevant, and any key issues that could affect the lenders decision. For bridging and development cases, the exit strategy is especially important. For buy to let and commercial deals, property type, tenancy, and ownership structure can make a big difference. A fuller picture upfront usually leads to a faster and more useful response.
Crystal aims to respond to new enquiries within 4 working hours. We understand that brokers are often juggling client expectations and need to respond in a timely manner.. An initial response does not always mean a full solution there and then, but it should give a sense of appetite, the likely route, and what further information is needed to move the case forward.
Crystal aims to process applications within 24 hours of receipt. Actual timescales depend on the complexity of the case, the lender involved, and how quickly supporting documents are supplied, but the aim is to keep cases moving. For brokers, speed is usually not just about completion. It is about gaining traction early and keeping the client confident that the deal is progressing.
Yes. With a packaged case, the broker keeps the client relationship and Crystal works behind the scenes to support the placement of the case. With a referred case, Crystal deals directly with the client, but the broker remains part of the process and receives updates through our CrystalHUB. The route depends on the broker’s preference.
Yes. Crystal’s proposition is built around working with brokers and introducers across the specialist finance market, including different distribution models. That means support for directly authorised brokers, as well as brokers operating through networks and clubs.