Regulated Bridging Finance.
- Downsizing
- Chain Break
- New home auction purchases... and much more.
Key product information
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Home improvements
Maximise the value of your client's property before putting it on the market. -
First and Second Charge
Our experts are on hand to help. -
Cross-charge
Secure your client's borrowing against two securities. -
Location
We lend in England, Wales and Scotland.
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0.74%
Rates from 0.74% -
70%
Borrow up to 70% of the property's value -
£50k - £3m
Loans from £50k - £3m
Overall cost for comparison
For example: A mortgage of £177,000 payable over 12 months, on a fixed rate of 1% would require 11 instalments of £0.00 followed by 1 instalment of £204,715.66 plus a redemption administration fee of £100.
The total amount payable would be £204,715.66 made up of the loan amount (£177,000) plus fees (arrangement fees (£3,400), broker fees (£1046) and a redemption administration fee (£100) plus interest (£23,129.66).
The overall cost for comparison is 15.7% APRC representative.
The actual rate available will depend upon your circumstances. Ask us for a personalised illustration.
Useful guides and information
Documents for packagers using My Broker Venue
Looking for more? Explore our Resource Hub.
Related videos
Common questions about Regulated bridging loans
How long does a bridging loan take to arrange?
We’ve got decades of experience in getting bridging cases over the line quickly – and much faster than a typical fixed-term loan or mortgage. This means a bridging loan could get your client the cash they need while waiting for longer-term borrowing to be arranged.
How much can my client borrow, and how much deposit will they need?
We can lend up to 70% of your client's property value. However, please note that the maximum loan-to-value ratio we can offer might be adjusted depending on the nature of the property.
How do you decide interest rates?
The rate your client is offered may be influenced by several factors, including:
- The purpose of the bridging loan
- The type and value of the property your client is using to secure the loan
- How much your client would need to borrow (both in total, and as a percentage of their property's value)
- Whether your client has any other loans secured against the property, that won't be repaid by this loan
- Your client's credit history (but not their credit score).
Can my client apply for a bridging loan if they have poor credit?
If your client has got less-than-perfect credit, such as a small blip that’s caused a big impact on their credit score – we’ll use our common sense when reviewing their application, and look at credit history instead.
We can also ignore adverse credit that’s over 12 months old when it comes to deciding your client's interest rate.
