SK
Siobhan Kelly

Account manager. J.J Kelly and Sons Ltd

We recently used Applecroft Finance to arrange finance for one of our development projects, and I honestly couldn't fault the service. We needed funding to keep the project moving, and the team made the whole process much easier than we expected. Communication was great from start to finish, we always knew where things stood, and any questions we had were answered quickly. What impressed us most was the advice we received. They took the time to understand what we were trying to achieve and made sure the finance was the right fit for the project. We always felt supported throughout the process, and their knowledge and guidance gave us real confidence in the decisions we were making. I'd have no hesitation in recommending Applecroft Finance to anyone looking for bridging or overdraft finance. They're knowledgeable, easy to deal with, and provide a personal service that's hard to find. We'll definitely be back for future projects.
SK
Siobhan Kelly

Account manager. J.J Kelly and Sons Ltd

We recently used Applecroft Finance to arrange finance for one of our development projects, and I honestly couldn't fault the service. We needed funding to keep the project moving, and the team made the whole process much easier than we expected. Communication was great from start to finish, we always knew where things stood, and any questions we had were answered quickly. What impressed us most was the advice we received. They took the time to understand what we were trying to achieve and made sure the finance was the right fit for the project. We always felt supported throughout the process, and their knowledge and guidance gave us real confidence in the decisions we were making. I'd have no hesitation in recommending Applecroft Finance to anyone looking for bridging or overdraft finance. They're knowledgeable, easy to deal with, and provide a personal service that's hard to find. We'll definitely be back for future projects.

Aug 11, 2026

Aug 11, 2026

ZA
zakariya akhoon

Zak Eyecare Ltd

Great service from the Applecroft Finance team. They were responsive, professional, and kept me informed throughout the process. Everything was handled efficiently, and I'd definitely recommend them.
ZA
zakariya akhoon

Zak Eyecare Ltd

Great service from the Applecroft Finance team. They were responsive, professional, and kept me informed throughout the process. Everything was handled efficiently, and I'd definitely recommend them.

Jun 17, 2026

Jun 17, 2026

ZK
Zdenka Kovacova

Cumberise Properties Ltd.

First auction. First deal!

We cannot thank Josh at Applecroft Finance enough for his outstanding support in helping us secure finance for our auction property purchase. From the very beginning, Josh was knowledgeable, approachable, and incredibly responsive. Buying at auction comes with strict deadlines and can be a stressful process, but Josh guided us every step of the way, keeping us informed and ensuring everything progressed smoothly. He worked tirelessly to find the right finance solution for our circumstances and was always available to answer our questions, explain the process, and provide reassurance when we needed it most. His professionalism, attention to detail, and commitment to achieving the best outcome for us made a real difference. Thanks to Josh's expertise and dedication, we were able to secure the funding needed to complete our auction purchase successfully. We would highly recommend Josh and the team at Applecroft Finance to anyone looking for a mortgage or bridging finance broker. If you're looking for someone who genuinely cares about their clients and goes above and beyond, Josh is the person to speak to. Thank you again, Josh, for making what could have been a stressful experience feel straightforward and manageable.
ZK
Zdenka Kovacova

Cumberise Properties Ltd.

First auction. First deal!

We cannot thank Josh at Applecroft Finance enough for his outstanding support in helping us secure finance for our auction property purchase. From the very beginning, Josh was knowledgeable, approachable, and incredibly responsive. Buying at auction comes with strict deadlines and can be a stressful process, but Josh guided us every step of the way, keeping us informed and ensuring everything progressed smoothly. He worked tirelessly to find the right finance solution for our circumstances and was always available to answer our questions, explain the process, and provide reassurance when we needed it most. His professionalism, attention to detail, and commitment to achieving the best outcome for us made a real difference. Thanks to Josh's expertise and dedication, we were able to secure the funding needed to complete our auction purchase successfully. We would highly recommend Josh and the team at Applecroft Finance to anyone looking for a mortgage or bridging finance broker. If you're looking for someone who genuinely cares about their clients and goes above and beyond, Josh is the person to speak to. Thank you again, Josh, for making what could have been a stressful experience feel straightforward and manageable.

Aug 3, 2026

Aug 3, 2026

AB
Adam Blake

Director | Blake & Son Building Contractors

Working with Josh at Applecroft Finance has been a great experience from beginning to end. As a development company, securing the right finance is crucial to keeping our projects moving smoothly, and Josh delivered exactly what we needed, professionally, efficiently, and with an unwavering commitment to great service. Throughout the process, Josh remained calm, patient, and consistently helpful, even when complexities arose. His ability to guide us clearly through each stage, answer every question without hesitation, and maintain full transparency made what could have been a stressful journey feel straightforward and well‑managed. We are genuinely grateful for Josh’s professionalism and expertise, and we would recommend Applecroft Finance to any developer seeking reliable, knowledgeable, and truly customer‑focused finance support.

AB
Adam Blake

Director | Blake & Son Building Contractors

Working with Josh at Applecroft Finance has been a great experience from beginning to end. As a development company, securing the right finance is crucial to keeping our projects moving smoothly, and Josh delivered exactly what we needed, professionally, efficiently, and with an unwavering commitment to great service. Throughout the process, Josh remained calm, patient, and consistently helpful, even when complexities arose. His ability to guide us clearly through each stage, answer every question without hesitation, and maintain full transparency made what could have been a stressful journey feel straightforward and well‑managed. We are genuinely grateful for Josh’s professionalism and expertise, and we would recommend Applecroft Finance to any developer seeking reliable, knowledgeable, and truly customer‑focused finance support.

Feb 13, 2026

Feb 13, 2026

Mohammed Qayum
Mohammed Qayum

78:8 Ltd

Restructuring

I was in probably the worst financial conundrum of my life. A lot of assets across the country and equity but cash strapped with bridging loans expiring fast. In came Josh and with his connections and reorganised £3m worth of debt into a very manageable and dare I say easy structure. Could not believe how it all worked out and I am eternally grateful at the speed and attention to detail he committed to my case.
Mohammed Qayum
Mohammed Qayum

78:8 Ltd

Restructuring

I was in probably the worst financial conundrum of my life. A lot of assets across the country and equity but cash strapped with bridging loans expiring fast. In came Josh and with his connections and reorganised £3m worth of debt into a very manageable and dare I say easy structure. Could not believe how it all worked out and I am eternally grateful at the speed and attention to detail he committed to my case.

Jan 27, 2026

Jan 27, 2026

BM
Beatrix and Walter McCrae

McCrae Property Group Limited

Purchase bridge in Scotland

Firstly, Josh is a powerhouse. He has been a formidable force in helping us get to this point of being able to purchase a major asset for our business. We cannot thank him enough. Josh, you are truly great and dedicated at what you do, and your work ethic is contagious. You have made receiving results accessible for everyone in this process - despite multiple obstacles, strict deadlines, and rigid circumstances - and for that we will be eternally grateful. We will be returning to and recommending Applecroft Finance again and again, with pleasure - all thanks to Josh.
BM
Beatrix and Walter McCrae

McCrae Property Group Limited

Purchase bridge in Scotland

Firstly, Josh is a powerhouse. He has been a formidable force in helping us get to this point of being able to purchase a major asset for our business. We cannot thank him enough. Josh, you are truly great and dedicated at what you do, and your work ethic is contagious. You have made receiving results accessible for everyone in this process - despite multiple obstacles, strict deadlines, and rigid circumstances - and for that we will be eternally grateful. We will be returning to and recommending Applecroft Finance again and again, with pleasure - all thanks to Josh.

Nov 22, 2025

Nov 22, 2025

Deborah
Deborah

Director | DKF Homes Ltd

Investor pulled out last minute!

Amazing isn't enough to describe how Josh was during this process. By way of miracle, he successfully provided the required funding within 5 days to complete on a land purchase! He was present and actively involved at every single stage and was constantly coming up with solutions and ways to mitigate any issues that came up. Now that the purchase has completed, he's also seeing me through the development funding and I look forward to a continuous working relationship through this project and future ones. Thanks again, Josh.
Deborah
Deborah

Director | DKF Homes Ltd

Investor pulled out last minute!

Amazing isn't enough to describe how Josh was during this process. By way of miracle, he successfully provided the required funding within 5 days to complete on a land purchase! He was present and actively involved at every single stage and was constantly coming up with solutions and ways to mitigate any issues that came up. Now that the purchase has completed, he's also seeing me through the development funding and I look forward to a continuous working relationship through this project and future ones. Thanks again, Josh.

Oct 21, 2025

Oct 21, 2025

EB
Everton Brown

Maddison Tate property

Had some initial conversations with Josh about the state of the market and products available in the development space. Josh gave keen insights and shared his knowledge as a fellow property developer himself so understood my struggles, as a young developer. I would recommend his service 7 days a week.
EB
Everton Brown

Maddison Tate property

Had some initial conversations with Josh about the state of the market and products available in the development space. Josh gave keen insights and shared his knowledge as a fellow property developer himself so understood my struggles, as a young developer. I would recommend his service 7 days a week.

Mar 28, 2025

Mar 28, 2025

L
Lender

Broker Relations

We have just had the pleasure of completing our first loan with Josh and Applecroft. It was a deal that needed to be done quickly but with many last minute hurdles to overcome, it was delayed by a few days from the sellers side. There were negotiations to be done but Josh worked with his client tirelessly to make sure that everyone was informed and his client could purchase the property. Looking forward to the next one.
L
Lender

Broker Relations

We have just had the pleasure of completing our first loan with Josh and Applecroft. It was a deal that needed to be done quickly but with many last minute hurdles to overcome, it was delayed by a few days from the sellers side. There were negotiations to be done but Josh worked with his client tirelessly to make sure that everyone was informed and his client could purchase the property. Looking forward to the next one.

Dec 13, 2024

Dec 13, 2024

Russell O'connell
Russell O'connell

Cinnamond developments limited

350k bridging facility for new build on side plot

Josh helped us secure funding for a new build development project without any of the headache. He is a pleasure to work with and very active with helping us understand the process. Highly recommended!

Russell O'connell
Russell O'connell

Cinnamond developments limited

350k bridging facility for new build on side plot

Josh helped us secure funding for a new build development project without any of the headache. He is a pleasure to work with and very active with helping us understand the process. Highly recommended!

Sep 26, 2024

Sep 26, 2024

Trevor Sawyer
Trevor Sawyer

Director | Miratrad Ltd

100% build facility | first time developer | 2.8m GDV

We recently built 12 x 2 bed flats in a new development in Luton where Applecroft arranged a Development Loan for us to finance the build on our first development project. The product was easy to understand and well set out, and the service provided and was done so in an efficient manner!

Trevor Sawyer
Trevor Sawyer

Director | Miratrad Ltd

100% build facility | first time developer | 2.8m GDV

We recently built 12 x 2 bed flats in a new development in Luton where Applecroft arranged a Development Loan for us to finance the build on our first development project. The product was easy to understand and well set out, and the service provided and was done so in an efficient manner!

Nov 18, 2024

Nov 18, 2024

Calum Yates
Calum Yates

Barclays Relationship Manager

Josh has always been a fantastic help to customers where we can't support in-house. He really understands client requirements, demonstrating his financial knowledge and is able to identify funding solutions that meet their needs. He consistently turns around communication with the client quickly and efficiently to progress matters.

Calum Yates
Calum Yates

Barclays Relationship Manager

Josh has always been a fantastic help to customers where we can't support in-house. He really understands client requirements, demonstrating his financial knowledge and is able to identify funding solutions that meet their needs. He consistently turns around communication with the client quickly and efficiently to progress matters.

Nov 5, 2024

Nov 5, 2024

Lender
Lender

Senior Underwriter

I am a Senior Underwriter at a specialist bridging lender who deals with straight forward and complex loans, both 1st and 2nd charges. I have dealt with Josh Jacobs on several cases so far, and I've found his knowledge, responsiveness and efficiency some of the best in the market. I have been in the industry for 10+ years, and I'd put Josh right up there in the top 3 brokers I have dealt with. His problem-solving attitude to deals is refreshing and contributes really positively to achieving completion. Josh really cares about his clients, but also balances this well with keeping the lender's interest in mind. As a lender, it is brilliant to work with a broker who has genuine knowledge and can see both sides of every application. I've enjoyed working with Josh so far, and very excited to get through many more cases and completions together!

Lender
Lender

Senior Underwriter

I am a Senior Underwriter at a specialist bridging lender who deals with straight forward and complex loans, both 1st and 2nd charges. I have dealt with Josh Jacobs on several cases so far, and I've found his knowledge, responsiveness and efficiency some of the best in the market. I have been in the industry for 10+ years, and I'd put Josh right up there in the top 3 brokers I have dealt with. His problem-solving attitude to deals is refreshing and contributes really positively to achieving completion. Josh really cares about his clients, but also balances this well with keeping the lender's interest in mind. As a lender, it is brilliant to work with a broker who has genuine knowledge and can see both sides of every application. I've enjoyed working with Josh so far, and very excited to get through many more cases and completions together!

Nov 6, 2024

Nov 6, 2024

Toqeer Ali Masud
Toqeer Ali Masud

Hannah Solicitors LLP

I am a solicitor who assists clients who have used the services of Josh at Applecroft, who is always instrumental in helping the clients secure the funding they need to scale their operations. His expertise and dedication make the entire process smooth and stress-free. The best thing about working with Josh is his deep understanding of the funding landscape and his ability to tailor solutions. He goes above and beyond to ensure the best possible terms with his hands on approach. I would rate the speed and service as exceptional. Josh is always prompt, professional, and incredibly supportive throughout the entire process.

Toqeer Ali Masud
Toqeer Ali Masud

Hannah Solicitors LLP

I am a solicitor who assists clients who have used the services of Josh at Applecroft, who is always instrumental in helping the clients secure the funding they need to scale their operations. His expertise and dedication make the entire process smooth and stress-free. The best thing about working with Josh is his deep understanding of the funding landscape and his ability to tailor solutions. He goes above and beyond to ensure the best possible terms with his hands on approach. I would rate the speed and service as exceptional. Josh is always prompt, professional, and incredibly supportive throughout the entire process.

Nov 1, 2024

Nov 1, 2024


Access our FREE deal finding and funding masterclass

Join Here


Mocky Khan
Mocky Khan

Property Director

Josh is a great person to have batting for you, using his experience, insights and knowledge to guide us through negotiations and to find suitable financial options to progress with our property growth plans. I see Josh as part of our team and someone I would use again and recommend, he was always on hand to provide the support needed.
Mocky Khan
Mocky Khan

Property Director

Josh is a great person to have batting for you, using his experience, insights and knowledge to guide us through negotiations and to find suitable financial options to progress with our property growth plans. I see Josh as part of our team and someone I would use again and recommend, he was always on hand to provide the support needed.

Nov 19, 2024

Nov 19, 2024

Wahid Nawaz
Wahid Nawaz

Banking Relationship Manager

As an SME Relationship Manager, it has been a pleasure working with Josh who brings a wealth of experience in supporting SME clients. Josh has supported mutual clients with niche banking and finance solutions critical to their business' growth and expansion plans. Furthermore his fantastic customer service is evident with his client-centric and enthusiastic approach to supporting SMEs. Keep it up Josh!
Wahid Nawaz
Wahid Nawaz

Banking Relationship Manager

As an SME Relationship Manager, it has been a pleasure working with Josh who brings a wealth of experience in supporting SME clients. Josh has supported mutual clients with niche banking and finance solutions critical to their business' growth and expansion plans. Furthermore his fantastic customer service is evident with his client-centric and enthusiastic approach to supporting SMEs. Keep it up Josh!

Nov 1, 2024

Nov 1, 2024

Alex Chrysostomou
Alex Chrysostomou

Director | Alexander Associates

We have recommended Applecroft Finance to many of our clients and they have always performed professionally and created many solutions, which were invaluable to the needs of our clients. I would be happy to recommend Applecroft Finance to your business!

Alex Chrysostomou
Alex Chrysostomou

Director | Alexander Associates

We have recommended Applecroft Finance to many of our clients and they have always performed professionally and created many solutions, which were invaluable to the needs of our clients. I would be happy to recommend Applecroft Finance to your business!

Nov 4, 2024

Nov 4, 2024

Adam Morrison
Adam Morrison

NRAM Property

Josh and the team have a wide range of products and they really think outside the box when it comes to property development financing solutions. Ace!

Adam Morrison
Adam Morrison

NRAM Property

Josh and the team have a wide range of products and they really think outside the box when it comes to property development financing solutions. Ace!

Nov 6, 2024

Nov 6, 2024

ZH
Zak Hussain

Director | Belmont Group

Development site for contractor developer to build 40 apartments + hotel

Great company to work with, great communication, and Josh is always on hand to help!

ZH
Zak Hussain

Director | Belmont Group

Development site for contractor developer to build 40 apartments + hotel

Great company to work with, great communication, and Josh is always on hand to help!

Nov 5, 2024

Nov 5, 2024

LM
Luke Murray

Mortgage Adviser- Access Financial Services

As a busy mortgage broker myself, Josh has helped a number of my clients understand the options for bridging and development financing on their projects and always provides a great service! I feel so confident when referring my clients over to Josh as I know he will always go that extra mile to look after them and find a solution. More importantly he will always relay the process in such a clear and concise way, never leaving my clients confused. Keep up the great work Josh!
LM
Luke Murray

Mortgage Adviser- Access Financial Services

As a busy mortgage broker myself, Josh has helped a number of my clients understand the options for bridging and development financing on their projects and always provides a great service! I feel so confident when referring my clients over to Josh as I know he will always go that extra mile to look after them and find a solution. More importantly he will always relay the process in such a clear and concise way, never leaving my clients confused. Keep up the great work Josh!

Nov 1, 2024

Nov 1, 2024