Hodge Bank

Cardiff-based specialist bank established in 1962, owned by the Carlyle Trust. Strong on commercial mortgages, semi-commercial property and SME asset finance. PRA-regulated bank with FSCS protection on linked deposit accounts. Broker-distributed; not self-serve.

Quick routing verdict

  • Product: Commercial mortgage + asset finance + bridging.
  • Ticket band: £250k to £10m.
  • Decision time: 5 to 15 business days.
  • Pricing: From around 7% APR.
  • FCA-authorised.

At a glance

Legal entity
Julian Hodge Bank Limited
Companies House
00743437
Founded
1962
Product
Commercial mortgage + asset finance + bridging
Ticket range
£250k to £10m
Decision time
5 to 15 business days
Ltd-only
Yes (FundBiz routes Ltd / LLP / partnerships of 4+ only regardless)
Last reviewed
2026-05-08

Why we route here

  • Genuine PRA-regulated bank.
  • Long-established sector specialism, especially semi-commercial property.
  • Stable funding base independent of fintech wholesale lines.
  • Strong on bespoke commercial property structures.

When we route elsewhere

  • Broker channel dominates; direct application less common.
  • Slower than fintech alternatives.
  • Pricing only revealed at offer for most products.

Best fit applicants

  • Commercial property Ltd companies
  • £500k to £5m mortgage tickets
  • Asset finance for established SMEs

Where Hodge Bank is the wrong fit

  • Self-serve unsecured cases
  • Sub-£250k tickets
  • Sole traders

If declined by Hodge Bank

If your application to Hodge Bank is declined, the FundBiz post-decline matcher routes by decline reason. Common alternatives in our panel are listed in the "When we route elsewhere" section above. See also our Hodge Bank decline runbook for sector-specific routing detail.

Other panel lenders

How we rate Hodge Bank

This review is FundBiz's own editorial assessment, scored against a published framework. See our methodology for how we rate each lender.

Run the matcher

Tell us your turnover, sector and ticket size. We score against Hodge Bank and the wider FundBiz panel, then surface the lenders most likely to approve. Limited companies, LLPs and partnerships of 4+ only.

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Last reviewed: 2026-05-08. By Oliver Mackman.

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