Bridging Finance

Fast, flexible bridging

Bridging finance enables companies or individuals to borrow against properties very quickly with far more flexible criteria and underwriting than traditional bank borrowing. The higher interest rates reflect this.

We have relationships with a huge array of private lenders, private banks, bridging lenders and funds, depending on your circumstances and the complexity of your transaction.

General criteria:

• Proof of income not required
• Lender arrangement fees between 1% and 2%
• Up to 24-month loans available
• Interest can be paid as it falls due, retained or rolled up
• Up to 75% loan to value (a very small number of cases may be eligible for 80% LTV on residential investment property)
• Individuals, limited companies and offshore companies accepted
• Loans available from £250,000 up to £20m
• Funds can sometimes be arranged within a week; many cases take 2–4 weeks

Common uses include:

• Lease extensions
• Refurbishment of residential or commercial property
• Development of residential or commercial property
• Second charge
• Purchase land with or without planning
• Business use
• Auction property
• Buy to let

Please contact us if your situation is not listed above — the chances are we may still be able to arrange it.