Bridging Loans

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Bridging Loans

Clifton private finance

We specialise in raising bridging finance on residential and commercial property transactions in the UK

Our bridging loans service provides:
  • Market leading bridging loans from £50,000 to £25m
  • Rates from 0.44% pm
  • Lower rates for £1 million+ loans
  • £99 valuation option for properties up to £1 million
  • Terms from 3 months to 3 years
  • LTVs up to 80% (can be more if other assets in the background)
  • Interest roll up options
  • Residential (On a regulated basis), buy to let, HMO, investment and commercial properties considered
  • Light refurbishment loans (currently uninhabitable, under permitted development rules, require internal refurbishment)
  • Heavy refurbishment loans (Extensions, basement digs, loft conversions, commercial to residential, barn conversions)
  • Bridging loans for business purposes (Pay HMRC tax bill, purchasing land or new premises, deposit for new purchase, business growth)
  • Alternative assets considered e.g. pension, investment porfolios, fine art, classic cars
  • We provide a friendly, professional service to help you get the money you need at the best available rates
We can help with meeting tight deadlines & provide a fast and professional service.
Call us on 0117 959 5094 to discuss your requirements.

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Our Bridging Loans Service:

Standard Bridging

Where you require short term finance secured on a property that is in habitable condition & does not require any improvement works.

Examples of this include:

  • Purchasing a residential property before selling your current home - Downsizing or upsizing property where you need to move quickly is a common scenario where proof of funds to purchase is required by the vendor or their agent. Where speed is often the key to winning the deal a bridge loan which can be arranged quickly can make all the difference.
  • Breaking a mortgage chain - If you are stuck in a mortgage chain with no resolution in sight bridging finance can provide a solution if the person you are buying from starts to get impatient - We can provide a same day decision in priciple to lend.
  • Landlords who need to buy an investment property quickly - being able to move quickly is often the difference in securing a property. A bridging loan can make the difference. Call our team to discuss what finance you need.
  • Buying property at auction - Typically you have 28 days to come up with funds when buying a property at auction. Bridging finance is perfect for this type of timescale.
  • Cash flow restrictions - A bridging loan can provide short term relief when cash is tight. This can be for personal and business purposes. 

Light Refurbishment

Where bridging finance is required for properties where no planning permission or building regulations are required. Or where there is no change to the overall use or nature of the premises.

Examples of this include:

  • Uninhabitable property - Where standard mortgage companies will not lend on a property that is uninhabitable a bridge loan can be a good way of providing the light refurbishment required to allow long term finance to be put in place.
  • Under "Permitted Development Rules" - light refurb short term finance can provide the funding required to allow a change of use e.g. offices into residential flats
  • Wind and watertight - Can provide finance that allows properties that are "wind and watertight" to be taken through to completion
  • Internal redecoration - Funding for internal refurbishment to finance redecoration and fitting a new kitchen, bathroom etc

Heavy Refurbishment

Where bridge loan finance is required for properties where planning and or building regulations are required. Or where there is a change of use in the nature of the building premises.

Examples of this include:

  • Basement excavations/digs - Work of this nature often has structural implications but can add significant value to a property.
  • Loft conversions - In the search for more space many developers are converting loft space to get more value out of property.
  • Property extensions - Increasingly a simple way to add value
  • Single unit to multi unit - conversion to flats or HMO
  • Multi unit to single unit - will depend on property
  • Barn conversions - bespoke deals for unusual properties
  • Commercial to residential use - a growing area for developers, particularly converting light commercial property

Second Charge Bridging

Where property has an existing mortgage (first charge) capital can be raised for;

  • Home improvements - e.g. Extensions, loft conversions
  • Deposit for second property purchase - e.g. investment property such as a buy to let
  • Business purposes - e.g. funding new business property
  • Tax Bill - e.g. Inland Revenue bill for CGT
  • Purchasing land or development finance - To add additional property onto existing plot
To investigate your bridging loan options call us on 0117 959 5094 or fill in our call back form above.

What are bridging loans? 

Bridging loans are a specialist kind of loan designed solely for shorter term usage to provide a temporary cash flow solution or ‘bridge’ before additional permanent finance becomes available.

The method for obtaining a bridging loan is straightforward and really versatile with a more flexible set of criteria than is usually required by most high street banks and mortgage lenders. Like a mortgage, a bridging loan is secured against your property. With bridging a realistic and viable exit will be required by the lender.

How do bridging loans work?

Bridging loans are frequently utilised as an answer to a temporary cash flow problem. A common example of this type of situation is when a person wishes to buy a property but still needs to sell their existing home. A bridging loan can, in these circumstances, provide a solution by offering short-term funding.

Bridging funding may be offered in amounts ranging from £20,000 to several million, depending on your circumstances and which lender you approach. For bridge loans in excess of £750,000 click here for more information on large bridging loans 

Who Offers Bridge Loans?

Typically specialist lenders including private banks, challenger banks, some building societies and private lenders. Banks that offer bridge loans will have different criteria for providing finance. Some have regional restrictions on lending. Bridging loans that are used for residential purposes are done so on a regulated basis and the scope of residential bridge lenders who operate on this basis are limited. The right bridging loan lender for your situation will depend on your requirements so using a good finance broker to help you find the right deal is recommended. 

To investigate your bridging loan options call us on 0117 959 5094 or fill in our call back form above.
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