At Next Chapter Finance, we believe that every property has untapped potential — it just needs the right financial partner to unlock it.

We are a specialist lender in retirement living finance focused on bridging the gap between underinvested properties and sustainable, long-term rental or sale outcomes. Unlike traditional lenders, we combine short-term refurbishment finance with tailored buy-to-let solutions, ensuring a seamless journey from problem property to lasting value.

Your Next Chapter Starts Here

Whether you’re preparing a property for let or unlocking value from an estate, we’re here to make the process simple, efficient, and supportive — every step of the way.

Our Commitment


With decades of lending expertise and retirement property management experience combined with the support of tuned automation, we’re able to move faster than traditional lenders—providing specialist financing with speed, precision, and care. Whether you’re managing an inherited home or repositioning a property for rental, we’ll work alongside you to achieve the best outcome.

Who We Help

  • Beneficiaries and executors managing estate assets

  • Property companies and SPVs handling retirement properties

  • Developers and housing partners seeking efficient solutions for vacant units

  • Property owners seeking to release equity prior to sale

Our Leadership

At Next Chapter Finance, our founders combine decades of lending and property experience with a shared passion for helping people unlock the true value of their homes. Led by Rob Lankey and Rob Ellice, we’re here to guide you with expertise, care, and solutions designed around your journey.

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  • Co-Founder & CEO

    Rob Lankey, Co-Founder and CEO of Next Chapter Finance, is a highly respected leader with over 36 years of experience in the specialist lending industry. Known for transforming lenders and creating innovative financial solutions, Rob has dedicated his career to building products that unlock value and remove barriers for borrowers.

    Rob’s expertise spans senior roles across both traditional banks and non-bank lenders, where he has shaped commercial lending strategies, designed specialist mortgage products, and driven business growth. His track record includes deep experience in buy to let lending, bridging loans and refurbishment financing—but it is his ability to spot underserved market niches and respond with tailored solutions that sets him apart.

    At Next Chapter Finance, Rob is pioneering a new approach to the UK retirement property market. The company’s focus is clear: helping inheritors and estate managers unlock the long-term rental and capital value of underinvested retirement homes. By combining short-term refurbishment finance with bespoke buy-to-let solutions, Rob and his team enable owners to move seamlessly from problem property to compliant rental income or fair-value sale.

    This dual-product strategy reflects Rob’s long-standing commitment to designing finance that works for real people—offering practical solutions for attorneys, beneficiaries, and companies who would otherwise struggle to access capital. His leadership ensures that Next Chapter Finance remains agile, transparent, and forward-looking, with a clear vision of becoming the go-to lender in this highly specialised sector.

    With his proven ability to build lenders from the ground up, forge strategic partnerships, and deliver sustainable growth, Rob is now writing the “next chapter” in specialist lending—one where retirement housing assets are no longer left behind but instead converted into thriving homes and income streams for the future.

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  • Co-Founder & Chairman

    Rob Ellice, Co-Founder of Next Chapter Finance, brings more than 30 years of real estate expertise and a track record of building some of the UK’s most recognisable property brands.

    Rob founded E-Prop Services PLC, the parent company behind well-known names such as easyProperty.com, Fine & Country, The Guild of Property Professionals, and several PropTech ventures. Under his leadership, more than 1,500 estate agency branches became members or licensees of these brands, giving him unrivalled experience in scaling networks and driving innovation in property services.

    Earlier in his career, Rob was CEO of Clarke Hillyer Ltd (2003–2016), where he managed a portfolio of over 3,000 properties through a multidisciplinary group of companies. This role cemented his expertise in property management, asset services, and building integrated businesses that deliver value at scale.

    At Next Chapter Finance, Rob’s insight into property markets, distribution channels, and client relationships provides a vital complement to the company’s lending expertise. His proven ability to grow businesses, forge partnerships, and bring property propositions to market ensures that Next Chapter Finance is not only a specialist lender but also a trusted partner in helping clients unlock value from retirement housing.