Bridging Loans

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Can we help with Bridging Loans?

YES We Can


Bridging Loan Questions and Answers

Answer: A bridging loan is a form of short term funding, secured on residential or commercial property, on an interest only basis.  The interest is rolled up into the facility, including the majority of the fees, for a period not normally exceeding two years.

  • Answer: A big YES.  We would expect to produce indicative terms on the same day.  Completion is then possible as soon as all the supporting paperwork has been received by the lender, including the valuation, and funds can be released within 48 hours.

Answer: A bridging loan can currently be arranged from no minimum term, to a maximum term of three years.

Answer: With a normal bridging facility the maximum ltv would be 80%.  On development finance this would not exceed 70% of Gross Development Value (GDV) except in exceptional circumstances.

Answer: If you are purchasing below market value it may be possible to borrow up to 100% of the purchase price.

Answer: Yes, most lenders would agree to this, providing the funds were being used to renovate or purchase the property.

Answer: Yes the loan can be repaid early without penalty and any unused interest is returned to the borrower.

Answer: A bridging loan can be used for the purchase or refurbishment of a property, whether commercial or residential, to provide short term working capital or an auction purchase, a chain breaker or repaying tax bills, including VAT

Answer: There are no up-front fees to pay upon application but you would normally be expected to pay the valuation and legal fees prior to completion.

Answer: All lenders, without exception, need to feel comfortable that you have a viable exit plan in place. This can be something like a remortgage or sale of the property, or from funds that you are expecting from inheritance or another source.  Lenders just need to see evidence of how you intend to repay the loan.

Answer: Some lenders will say no, but there are other lenders who will take a view if they are comfortable with the exit plan, however any adverse credit may have an impact on the terms of the loan.


What is the main advantage of a Bridging Loan

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Property Criteria

Can We Help?

Bridging or short term finance is the most flexible and Quickest way to raise funds from £25,000 up to £100m (Up to 80% LTV) as it is a pure asset secured facility and does not require you to service the debt during the term of the loan, only to provide a viable exit plan. The funds can be used for you to achieve a number of goals:

Bridging Finance, Purchase of Land, Development Finance, Portfolio Investment, Buying at Auction, Buying Below Market Value, Where speed is the issue to Complete, Chain Breaker, Release Capital, Pay Off Short Term Debts, Improve Cash Flow, Bad Credit Profile, Purchase or Remortgage of Residential or Commercial Property.

What are the main attractions of Short term Finance?


Why should you use a Broker

For what purpose can I use Bridging Finance


Turned down elsewhere? We can help!

Whether you have been discharged 3 years or 12 months – it doesn’t matter, we can help.

We’ve been helping discharged bankrupts get back on to their feet and back on to the property ladder despite their circumstances.  Arranging a bad credit mortgage or mortgage product for discharged bankrupts is a scenario we regularly deal with.  Even if you have a history of bankruptcy and resposession we have access to whole of market lenders who will consider your application on various factors.

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