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Unregulated Bridging Finance - Residential Property.

Bridging finance for a range of needs, including:

  • Auction purchases
  • Light refurbishment
  • Residential investment
  • Buy to let portfolios.
A couple painting a room blue together whilst smiling.
A man smiling looking out of a sky window in a loft.

Help landlords get ready for tenants

Whether your client is putting in a new bathroom or kitchen to get their property ready for new tenants or wants to make improvements to increase their EPC rating. Our regulated bridging loans can help! See below our wide range of criteria designed to help your landlord clients with their property renovation needs.

  • Projected income accepted
  • self-employed and limited companies accepted
  • we lend on a range of property types
  • we lend across the UK, including Scotland and Wales

Key product information

  • 0.89%

    Rates from 0.89%
  • 75%

    Borrow up to 75% of the property's value
  • £26k - £5m

    Loans from £26k - £5m

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A two times Business Moneyfacts award from 2023 to 2024 for the best bridging finance provider.

Bridging finance you can trust

When it comes to your client getting a bridging loan, it’s all about speed, service and simplicity.

At Together, our dedicated team will make sure your client get access to the funds they need quickly and easily – in as little as 24 hours.

But, don’t just take our word for it! Our bridging products have been recognised by customers and industry professionals alike, making us a multi-award winning bridging finance provider you can rely on.

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Common questions about Unregulated Residential Bridging Finance

What is a Residential Bridging Loan?

A residential bridge is a short term loan used to fund a residential property which your client won’t be living in, such as a rented home that they’ve bought as an investment property.

How does a Residential Bridging Loan work?

The short term loan is typically taken out over a 12 month period, although this can vary depending on your client's needs. Money from the residential bridge loan can be used for buying and/or doing up their new property. Depending on your client's repayment type, they may not be required to make monthly payments during the term of the loan. We can look to deduct the monthly payments your client is due to make from the loan in advance.

If your client is due to repay their loan at the end, they’ll need to plan for how to pay off the lump sum at the end of the agreed period. This is known as an ‘exit strategy’ and can involve arranging longer term buy-to-let finance or selling the property for a profit.

How long does it take to get a Residential Bridging Loan?

From filling out the application to your client seeing the money land in their bank, the process typically takes 3-4 weeks. However this will depend on your client's circumstances and the type of valuation needed, meaning it could take longer than this.

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