Short-term
Residential bridging
Buy before you sell, win at auction or refurbish before refinancing.
- Up to 75% LTV
- 3 to 24 months
- Auctions, chain breaks, refurbishment
Our products
Bridging financefor residential and commercial property.
From a quick auction purchase to a semi-commercial refurbishment, we offer residential, commercial and semi-commercial bridging from £100,000 to £5 million.
Choose your product
Find the right finance
Short-term finance for purchases, auctions, refurbishments and refinancing. More products are coming soon.
Short-term
Commercial bridging
Funding for commercial and semi-commercial property: offices, retail, industrial and mixed use.
- Up to 70% LTV
- 3 to 24 months
- Offices, retail, mixed use
Long-term
Commercial mortgages
Longer-term finance for owner-occupiers and investors in commercial property.
Business
Business loans
Working capital and growth funding for established UK businesses.
Side by side
Compare our bridging products
Final terms depend on the property, the borrower and full underwriting.
| Product | Term | Max LTV | Loan size | Interest paid | Best for |
|---|---|---|---|---|---|
| Residential bridging | 3 to 24 months | Up to 75% | £100k to £5m | Retained, rolled up or monthly | Auctions, chain breaks, refurbishment |
| Commercial bridging | 3 to 24 months | Up to 70% | £100k to £5m | Retained, rolled up or monthly | Quick purchases, conversions, refinancing |
Figures are indicative and subject to property type and underwriting. All lending is subject to status, underwriting, valuation, satisfactory security and lending criteria.
Lending criteria
What we lend on
Every case is underwritten individually. If your deal does not fit neatly into a box, talk to us.
Property
- Houses and flats
- HMOs and multi-unit blocks
- Mixed use and semi-commercial
- Offices and retail
- Industrial units
Borrowers
- Limited companies and SPVs
- LLPs and partnerships
- Trusts
- Landlords and portfolio investors
- Individuals, subject to regulatory assessment
Loan purposes
- Purchases, including auctions
- Refinancing an existing lender
- Light and heavy refurbishment
- Conversions and change of use
- Business-purpose capital raising
Exit routes
- Sale of the property
- Refinance to a term mortgage
- Sale of another asset
- Loan size
- £100k – £5m
- Maximum LTV
- 75% residential, 70% commercial
- Term
- 3 – 24 months
- Location
- England & Wales
Maximum LTV is subject to property type and underwriting. Loans to individuals or trustees secured on residential property may be regulated and are assessed before we proceed. See Regulatory status and risk warnings.
Not sure which product fits?Tell us about the deal and we will talk you through the options.