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Believe in the possible.

2007Number ofEmployees1002019Broking businessesoriginated over1500 loansValue: £400m2019AnnualOriginations£1bn per annum

We've built a leading position that is shaping the specialist finance market.

We have come a long way in a short time. The world has changed, the financial industry has changed, however, our commitment to shaping our market and enabling our clients to achieve their ambitions remains resolute.

Our people are our passion, and their passion for delivering specialist financial solutions for our clients has developed our industry-leading group. Led by a team of bright, young and open-minded financial professionals, Enra is committed to enabling ambitious, entrepreneurial customers to achieve their ambitions in the property market.

Driving specialist finance since 2002

We entered the specialist loans market back in 2002, since then we've built, acquired and grown businesses to become one of Europe's fastest-growing property finance and specialist lending groups, as recognised by the FT1000.

Enra offers a broad range of specialist lending solutions to homeowners, professional property investors, developers and landlords. Our exceptional credit record over the last ten years, underpinned by consistent underwriting discipline, together with our long term, flexible and diversified funding strategy has allowed Enra to provide continuous support to its customers.

Our commitment to supplying a stable source of funding enables Enra’s customers to deliver property projects that create jobs, supply quality housing and in turn support the wider economy, building a better future for all.

A unique approach

Our unique business model combines lending and broking, allowing us to provide a full range of advice and funding solutions across the full spectrum of property lending products. We take great pride in forming lasting relationships with our customers as their trusted funding partner.

We specialise in creating integrated lending solutions across the property investment lifecycle, encompassing acquisition, planning, development and sale. Where mainstream bank funding can inflexible, our expertise and agility allows us to offer specialist products tailored to each property investment. We can deliver quickly to enable our customers to seize opportunities as they arise.

Our Values

Our values are a constant reminder of what we stand for and what drives us forward.

Customer Focus

Whether we’re sourcing products, passing on advice or answering the phone, we are always motivated by what’s best for our customers.

Accountability

Decision-making is a key skill in our industry. So we set high service standards for all of our employees and encourage them to take full responsibility for their actions.

Creativity

In a world that has its fair share of rules, regulation and procedures, we believe that creativity is often the best way to overcome obstacles.

Integrity

Respect is at the heart of all our relationships with customers, colleagues and broker partners. It helps us to think differently, make better decisions and ultimately grow as a business.

Our journey

2002

  • Enterprise Finance established

2004

  • Vantage Finance was founded

2005

  • West One Loan was founded

2009

  • Management buyout of Enterprise Finance

2011

  • Enterprise adds lending of bridging loans to its portfolio
  • Enterprise wins ‘Best Specialist Packager’ at the Bridging & Commercial awards
  • West One Bridging Index launched by West One Loans.

2012

  • Aura Finance was founded

2013

  • West One wins ‘Best Bridging Product’ at the Bridging & Commercial awards

2014

  • Livingbridge take a minority stake in Enterprise Finance that values the business at £28m
  • Institutional funding line secured
  • Enra Group was founded
  • West One Loan Limited (a leading bridging loan lender) acquired

2015

  • Regulated lending launched
  • Enra Group named in Sunday Times Fast Track 100 (the second of four consecutive years)

2016

  • West One Loans strengthens senior management team with leading industry figures
  • Enterprise finance launches its new MCD compliant broker portal, APEX

2017

  • Exponent acquires a majority stake in the business from the management team and Livingbridge, for an undisclosed 9-figure sum
  • Enra Group introduces Second Charge Mortgage Lending via West One Loans
  • Enra Group recognised in Sunday Times Fast Track 100

2018

  • Enra acquires Vantage Finance
  • Enra named in FT1000 Europe’s fastest growing companies 2018
  • West One launches new Development Finance product
  • West One reaches milestone of 1,000 second charge mortgages

2019

  • West One Loans launches buy-to-let lending
  • Originated over £100m worth of lending in a single month

2020

A note from our CEO

"Enra is the leading, independent property-backed lending platform in the UK, led by an entrepreneurial and dynamic management team focused on delivering responsible and profitable growth across specialist segments of the market."

Danny Waters
CEO Enra Group

Delivering a difference - How are we unique?

We specialise in creating integrated lending solutions across the entire property investment lifecycle. Our comprehensive product portfolio offers a unique opportunity for clients to partner with us through all stages of acquisition, planning, development and sale ensuring a seamless and consistent financial journey.

We are positioned for long term growth; we invest and dedicate time to our operations, management capabilities and our brand.

The combination of our strong internal operations and our unique business model has ensured consistent financial performance, successful new product development and a long positive future for the business.

Rather than relying on traditional products, we’re always open to new ideas and use our scale in niche markets to develop solutions that match the specific needs of our clients. This flexibility is a huge advantage in today’s changeable markets and sets us apart from many of our competitors.

We don’t ever let complexity get in the way of a competitively-priced loan. Although our talented underwriters use impressive technology to inform their decisions, they also use experience and common sense to make sure they reach the right outcomes. Plus they like a challenge and go out of their way to add value – even if it requires a little creative thinking.

With a team of dedicated, experienced professionals, our compliance team is instrumental in keeping our products and services in line with the latest rules and regulations. It also plays a pivotal role in helping customers, providers and brokers to navigate our highly-regulated industry.

Like any successful business, our people are at the heart of everything we do, which is why we go out of our way to employ the very best in the industry. Our experienced team is full of experts who work hard, care about the details and know how to deliver on their promises.

Our state-of-the-art IT platforms make it effortless for brokers to understand their options, track applications and pass on real-time updates to their clients. Our in-house experts have developed proprietary technology that makes us both efficient in the underwriting process and supports credit decisions. Using this software, information on all our products and services can be accessed in just a few clicks.

Having been in the industry for many years and seen many changes, we know just how important it is to maintain a robust financial infrastructure. Through our equity partners and working relationships with world-leading financial institutions, we have ensured the group is built on solid financial foundations. As well as supporting our ambition and bolstering our service, the financial security we get from our combined businesses gives our clients a great deal of confidence – helped by the fact that we offer an industry-leading return on equity.