We use cookies to give you the best possible experience on our website. If you continue without changing your settings, we'll assume that you're happy to receive all the cookies on our website. However, you can change your cookie settings at any time.

Your Privacy

When you visit any website, it may store or retrieve information on your browser, mostly in the form of cookies. This information might be about you, your preferences or your device and is mostly used to make the site work as you expect it to. The information does not usually directly identify you, but it can give you a more personalised web experience.
Because we respect your right to privacy, you can choose not to allow some types of cookies. Click on the different category headings to find out more and change our default settings. However, blocking some types of cookies may impact your experience of the site and the services we are able to offer.

Strictly Necessary Cookies


These cookies are strictly necessary for the Website to work properly and for us to keep it secure. They are needed to allow users to use the Website and its features, including to move between pages of the website.

These cookies are required

Performance and analytical cookies

These cookies allow us to collect certain information about how a user navigates the Website. These cookies collect information that is used either in aggregate form to help us understand how our site is being used or how effective are marketing campaigns are, or to help us personalise our site for you.

Marketing cookies

These cookies are used to make advertising messages more relevant to you. We may use this data to tailor the marketing and ads you see on our own and other websites and mobile apps, including social media.

Capital release bridging

Working fast to unlock the value of your home.

Same day enquiry

We’re here between 9am and 8pm Monday to Thursday, 9am to 7pm on Friday. If you contact us by 5pm we guarantee to get back to you the same day. If it’s after 5pm, we can’t promise we’ll be able to reply on the same day, but we’ll do our very best.


Your home may be repossessed if you do not keep up repayments on your loan.

Want to release equity in your home to buy an asset or refurbish a property? Need funds to pay a bill or improve short-term cash flow? Try talking to us.

The very nature of bridging finance means there’s no time for hanging around. We’ll pull out all the stops to make it happen, even if you’ve a less than perfect credit profile.

Unlock your home’s value – fast

When you need to raise funds quickly, unlocking the value in your home with a personal bridging loan could be the answer. But to make things happen fast, you need a lender who understands that speed and service are critical.

We’ll consider personal bridging loans for:
  • ex-council houses, flats and maisonettes
  • high-rise properties (yes, even ones above 6 floors)
  • properties with poor valuations (when the property is in a less than perfect condition)
  • non-standard constructions (when the property you want is a little out of the ordinary)
  • …as well as the more usual brick built houses, flats and maisonettes
  • As long as more than 40% of the property will be owner occupied (we'll have to be sure some of the property is someone's home)
Key features
  • Loans up to £2.5 million (we may consider more on a case-by-case basis)
  • Up to 70% LTV (loan to value)
  • Rates from 0.49% a month up to 50% LTV. 
  • Rates from 0.75% a month up to 70% LTV.
  • Available for 12 months
  • Our standard personal bridging loan can be secured against a single property as a first charge. Use of an additional property as security for the loan is accepted, either a first or second charge can be taken against the additional property
With added value

Our capital release bridging loan gives you the control to act quickly. There are no monthly repayments to make, as interest is rolled-up for the term of the loan. Also, we won’t hit you with early repayment charges if you want to pay off your bridging loan early.

Overall cost for comparison

For example: A bridging loan of £150,000 repayable after 12 months on a fixed rate of 5.88% would require a single payment of the capital borrowed plus the accrued interest totalling £163,983.47 including fees.

The total amount payable would be £163,983.47 made up of the loan amount plus interest on the loan (£9,061.62), processing fee (£1,500.00) and arrangement fee (£3,000.00) plus interest on these fees (£271.85) and the redemption administration fee (£150.00).

The overall cost for comparison is 9.3% APRC representative.

The actual rate available will depend on your circumstances. Ask us for a personalised illustration.

Getting your personal bridging loan in 8 easy steps

When you apply for a personal bridging loan with us, one of our qualified advisers will guide you through each step of the process:

  1. We’ll make sure we understand your circumstances fully before recommending a suitable mortgage. If you’re happy, you’ll receive a ‘mortgage illustration’ providing all the relevant details about the product you’re applying for.
  2. Our advisers will take you through the full application process. We’ll tell you exactly what you need to do, and when, including sending us supporting documentation. For example, providing us with proof of your repayment strategy.
  3. When we have everything we need, we’ll assess your application and supporting information.
  4. Then a surveyor will visit the property to ensure it’s loan-worthy.
  5. If it is, we’ll make you an offer, which means we’ve accepted your application.
  6. Our advisers will tell you what’s happening at each stage and, importantly, you’ll have their contact details if you want to get in touch.
  7. Your conveyancer or solicitor will start to discuss exchanging contracts with the sellers and agree a date to complete the sale. This is a good time to take out buildings insurance.
  8. Completion is the date you get the keys. We’ll transfer your funds to the seller’s solicitor. They’ll hand over the keys and there you have it... welcome to your new home. 
Our lending criteria
  • Maximum LTV (loan to value) – 70%
  • Maximum loan – £2.5m (we may consider more on a case-by-case basis)
  • Repayment strategies – we accept sale of existing property and proceeds of probate. Where an additional security is taken, remortgage can be used in combination with sale of existing property
  • Maximum age – No maximum customer age where sale of existing property or proceeds of probate is the agreed repayment strategy. Where using remortgage as part of the repayment strategy, maximum age is 80 at end of term
  • Credit profile – we accept CCJs and Defaults (even in the last 12 months)
  • We consider most property types – must be >40% residential use


Your property may be repossessed if you do not keep up repayments on your loan.