Clifton Private Finance | 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.

Latest Bridging Loan Case Studies >>

BRIDGING LOANS SERVICE

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

Why use our service?

We can access some of the best rates in the market from 0.44% pm

Need to move quickly - We can help get you the finance you need fast

Excellent customer service

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

What Our

Clients Say

I was incredibly lucky to find Clifton Private Finance after a search on line as their service has been more than exemplary. My point of contact was Sam 0’Neill and he was happy to help at every stage during the application of the bridging loan, making a stressful process much easier to deal with. He was always available by phone or email and gave prompt answers to queries I had as well as always getting back to me when he said he would. That to me is excellent customer service and I cannot thank him personally or the company enough for the support they have given me.

C Jefferey

Adam cannot thank you enough for all your support throughout this arrangement. You have gone more than the extra mile to support us. Without you we would not have got our dream retirement home. You have been most professional and personable. Liz and I would be more than happy if you wanted to use us a reference with respect to any future clients.

Nigel & Liz K - Bristol

You have certainly shown me that you do everything for your clients, including tolerating their excessive emails and questions for updates. I have been kept in the loop, from yourself, about why the delays were occurring (Nationwide, post etc) which I would like to highlight that I really appreciated. I certainly will be able to recommend you to others as and when the need arises.

Mr Morris

I recently contacted Clifton Private Finance after a Google search for bridging finance providers and was immediately struck by their efficiency and support. Forms were emailed over almost immediately and the necessary finance was arranged within a few days. None of the other companies I contacted came close to their professionalism, and the quote that I eventually received was impressive. Thank you Adam, your help has enabled us to reserve the house that we wanted and I certainly recommend you to others.

Mr M. R. - Oxford

Absolutely brilliant. The service was first class, got everything sorted efficiently and were always friendly. Any fees were negligible compared to the service offered. Robert was particularly outstanding.

Charles N

My advisor, Robert, was very helpful in finding the mortgage to suit me. He kept me up to date throughout the process and dealt with any issues when they arose.

Rowena C

I have received fantastic service from your company from my first moment of contact. Adam Arnott has been dealing with my application and has kept me informed throughout the normally stressful process.

John H

Bridging Loans

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

Our bridging loans service provides:

We can help with meeting tight deadlines & provide a fast and professional service.

Call us on 0117 959 5094 to discuss your requirements.

Property Finance Deals

Contact Us

BRIDGING LOANS SERVICE

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:

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.

How do bridging loans work?

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

Why use our service?

We can access some of the best rates in the market from 0.44% pm

Need to move quickly - We can help get you the finance you need fast

Excellent customer service

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

Clients Say

Property Finance Deals & Insight

If you have any questions about our services or want to start making things happen please contact us