Who we are

Atelier Capital Partners is a short-term property lender founded by three experienced specialists within the UK and European property finance sector, Chris Gardner, Graham Emmett and Keith Aldridge. It is backed by M&G Investments, which is providing significant capital for the team to lend and has also provided equity to the business. The investment is being made on behalf of M&G’s pension fund and institutional clients.

M&G Investments is part of M&G Plc, a savings and investment business which was formed in 2017 through the merger of Prudential plc’s UK and Europe savings and insurance operation and M&G, its wholly owned international investment manager.  M&G Plc listed as an independent company on the London Stock Exchange in October 2019 and has £341 billion of assets under management (as at 30 June 2019). M&G Plc has over 5 million customers in the UK, Europe, the Americas and Asia, including individual savers and investors, life insurance policy holders and pension scheme members.

Keith Aldridge   Co-founder

Keith is one of the pioneers of short-term property finance, with a decade of experience leading one of the sector’s most successful specialist lenders. He has personally overseen more than £2bn of short-term loans and has been instrumental in helping the industry achieve the far more professional image it has today. In addition to his short-term finance expertise, Keith has been a property developer and landlord for the past 25 years, providing him with a 360° understanding of every borrower’s needs.

Chris Gardner   Co-founder

Chris has extensive experience across UK financial services. To date, he has built a leading mortgage intermediary business, which exited to a major Wall Street Bank, held a strategic mortgage role in a high street lender, and delivered the infrastructure to launch a challenger bank. Chris consults regularly, is an adviser to a leading mortgage fintech and is an elected Fellow of the London Institute of Banking. He also holds a Masters with Distinction in Financial Services Management, majoring in Risk & Compliance.

Photo of Graham Emmett

Graham Emmett   Co-founder

Graham has over 35 years’ experience in UK and European Real Estate, structuring both equity and debt transactions and managing the credit risk of complex real estate asset and loan portfolios. Throughout a rich career, he has held leadership roles in multiple blue-chip international banking environments, a government-owned real estate work-out vehicle, an established UK private real estate asset manager, and most recently three non-bank alternative lending platforms focused primarily on the UK market.

Mission Statement

Solving the UK’s housing crisis isn’t just about building more homes, but building the right homes: minimum environmental impact and maximum aesthetic, properties that stand out in the local community while blending in. We will consider applications from every kind of developer but are especially keen to lend to those focused on brownfield development, urban regeneration and the upcycling of UK real estate assets. We’re firm believers that the UK’s SME property developers are key to solving the housing crisis the right way.