Bridging Finance

A residential and commercial Bridging Loan is a fast, short-term financing option secured against residential or commercial property, ideal for bridging financial gaps or facilitating urgent property transactions. These loans are versatile, suitable for purchasing or refinancing residential or commercial properties in any condition, including those that are unmortgageable or have a short lease.

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Whether you're looking to buy a new property, complete an auction purchase, fund property refurbishment or conversion, extend or develop a property, resolve a broken property chain, or invest in buy-to-let (BTL), we can secure the best rate and terms tailored to your needs. No borrowing scenario is too challenging, and we specialize in navigating complex company structures to provide the optimal solution. Let us help you bridge the gap with a tailored residential bridging loan that meets your unique requirements.

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Our residential bridging loans cater to a wide range of clients, including individuals, businesses, developers, investors, and speculators. Available for amounts ranging from £26,000 to £250 million, these loans offer flexible terms from 1 to 36 months. Funds can be secured in as little as 3 working days, providing a swift financial solution when time is of the essence. Whether you're navigating complex company structures or need fast access to capital, our tailored bridging finance options are designed to meet your unique needs and objectives.

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What is a Residential Bridging Loan?

A residential bridging loan is a short-term financing option secured against residential property, used to fund various property transactions. These loans can be categorized into regulated and unregulated. Regulated residential bridging loans are used for properties that will become the borrower’s primary residence, such as addressing mortgage delays or fixing a broken property chain. Unregulated bridging loans, on the other hand, are tailored for residential investment properties like buy-to-let, holiday lets, HMOs, or properties bought at auction.

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Key Uses of Residential Bridging Loans:

1. Buying Residential Property: This includes purchases at auctions, buy-to-let properties, and non-standard constructions that might be difficult to mortgage through traditional means.

2. Property Refurbishment & Renovation: Ideal for funding both light and significant structural improvements or conversions.

3. Refinancing: Provides an option to repay an existing bridging loan, particularly if the original exit strategy has been delayed.

4. Equity Release: Allows cashing out equity from a property to fund other investments or cover unforeseen expenses.

 

Loan Details:

Residential bridging loans typically offer borrowing amounts between £26,000 and £250 million, with terms from 1 to 36 months. They often provide up to 80% loan-to-value (LTV), with the potential for 100% if additional security is provided. Interest rates range from 0.44% to 2% per month, and borrowers can choose from various interest payment options including serviced, retained, or rolled-up interest. The exit strategy is crucial and typically involves the sale or refinancing of the property.

These loans are versatile tools for property investors and homeowners, offering fast access to capital when traditional financing options fall short.