With experience on both sides of the specialist property finance industry as both broker and lender,
we provide clear, bespoke advice that delivers confidence, clarity,
and the strongest possible outcomes.
Our Services
Tailored specialist property finance for investors, developers and commercial operators
Bridging Finance
Short-term property funding for acquisition, refurbishment, development, and time-sensitive purchases.
Buy-to-Let
Experienced support structuring portfolio lending and investment strategies.
Commercial & Semi-Commercial Finance
Investment-focused finance solutions for business premises, mixed use assets, trading businesses, and commercial investment properties.
Refurbishment & Development Finance
Funding support for both light and heavy works, conversions, and ground up development projects.
WHY CHOOSE US
Lender side insight paired with client first advisory . Delivering clarity, efficiency, and the strongest possible outcomes.
Backed by deep underwriting experience and credit insight
Trusted lender relationships built on credibility, performance, and proven execution
Clear, transparent and informed guidance throughout each stage
Precision led structuring engineered to secure the strongest results
Helping clients secure faster decisions, stronger terms, and more confident investment moves.
Not quite ready to discuss a deal?
Craig Smith
Specialist insight. Genuine support. A service built around people.
I’ve spent the last five years working across both the lender and broker sides of specialist property finance, experience that has shaped the way I work with clients today. My background includes roles with Shawbrook Bank, VIBE Finance and Allica Bank, giving me a unique understanding of what lenders look for, how decisions are made, and how to structure cases for the strongest possible outcomes.
Throughout my career I’ve built long standing relationships across the specialist finance market, and I’m proud to have previously been recognised in the Bridging & Commercial Power List, highlighting professionals who are making a genuine impact in our industry.
But above all, my approach is personal. I care about getting things right for my clients being clear, honest and proactive, and guiding you through every stage of your investment or funding journey with confidence and transparency.
Carter Smith Property Finance was created for one purpose:
to give property investors a partner they can trust, backed by deep market knowledge and a warm, straightforward service experience.
If you’re planning your next project, exploring finance options, or simply looking for guidance from someone who genuinely listens, I’d be delighted to help.
Request a consultation below
Founder
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For specialist property finance enquiries, share your details and I’ll connect with you personally to discuss your objectives.
No obligation. Your information is kept confidential.
Helping clients secure faster decisions, stronger terms, and more confident investment moves.