Residential and Commercial Bridging Finance

Totally understanding all the complexities that drive the need for a short-term bridging facility. Our team take pride in getting to know all
the borrower’s individual requirements, understanding them with all their quirks and the potential obstacles that traditional lenders shy away from.

Each facility is personally tailored to provide an innovative and
flexible approach with our view that no loan is ever the same. Our experienced team are founders and pioneers of the specialist property market where years of experience delivers results.

Example Deals

Purchase bridge with quick completion and light refurbishment

Refinance of development finance providing equity release for new acquisitions

Purchasing and refinances to put in place/enhance planning permission

Purchase of a property below market value where 6 months is needed before it can be refinanced into a BTL mortgage

Portfolio refinance with a quick completion required where the clients are under pressure from their bank to refinance giving valuable time to find a new long-term lender

Land/Planning Bridge – up to 75% loan to value. (Must have detailed planning in place with a minimum of 12 months prior to planning expiration.)

Leasehold extensions Shifting ownership of a property from individual to company (or vice versa)

Refurbishment Finance

With our specialist lenders facilities for investors and developers we
are able to deliver a complete range of property refurbishment finance solutions for every type and stage of project. We've a highly-experienced team and in-house experts who can assess a project quickly, give the certainty required for a quick decision, fast completion and speedy drawdowns throughout the duration of the works.

Example Deals

Purchase to develop. Where quick completion is required whilst development finance is sought

Enhancing planning. Adding additional units or revising the planning permission

Sale of site. A facility to give time for a sale of the site to go through.

Refurbishment / Conversion / Extensions. Up to 75% loan to value net of fees upon completion with facilities up to 70% Loan to gross development value.

Light refurbishment. Ideal for investors who are adding value where up to 70% of the gross development value can be secured.

Conversion to flats or back to a house. Converting a house to flats or vice versa our experience delivers and we can tailor solutions to meet the needs of the project

Extensions and loft conversion. With terms, up to 18 months we can provide time to complete works and sell or refinance

Residential to HMO. Ideal for investors looking to increase their rental income and value of a property through conversion to an HMO.