Congratulations,
!

Based on the details you have provided, you may be eligible for a bridging loan at the following rate:

£
over 12 months at
The maximum amount you could borrow is £
.

To take advantage of this rate, speak to a bridging specialist for a personalised quote today.

Book Free Consultation

Here is your cost breakdown

Executive Summary

Name:
Loan Required: £
Total Security Value: £
Loan to Value:
Estimated Interest Rate:
  pm

Monthly Cost Breakdown

It is important to note that there are no monthly payments made on this loan. This is an indication of how interest rolls up on a monthly basis. You will only pay up to the day you redeem the loan. The 12 month term is purely an allowance, should you require it.

There will be some additional professional costs that we have not provided an estimate for at this stage because these costs will vary based on the lender.

* Average time customer takes to repay loan in full

Note: This is an indicative calculation based on the limited information provided. Any figures displayed will be subject to change based on your scenario, lender’s approval and due diligence.

What's next?

The process for arranging your finance can be turned around quickly. We will be in touch shortly however, should you wish to discuss in the meantime, please do contact us on 0117 457 4666 if you have any questions.

1. Decision in principle

Work with one of our qualified bridging brokers to find the best solution for your needs.

2. Submit application

We’ll guide you through the application process to maximise your chances of securing your loan.

3. Finance secured

We will keep you in touch with any development up until a decision is made about your loan.

Schedule a call with our specialist

Star Success Stories

Whether you're looking to use a bridging loan to buy your dream home or to finance your next property investment, you're in safe hands. When it comes to bridging finance, we have helped 1000s of customers secure the best rates and terms for their unique situation.

Merchant Cash Advance Facility Renewal For Scottish Tailoring Business

Capital Raised £350K
Edinburgh

The Scenario

The client owned several clothing shops in Scotland offering personally tailored & bespoke made-to-measure wear.

The business owners approached us as they were coming to the end of a merchant cash advance facility they had been using in their shops, which they had been using for the last 5 years. Due to significant growth in the business turnover, the owners wanted to explore more cost-effective options to provide working capital.

The Solution

Utilising our service, the client was able to secure a more cost-effective business MCA facility, which reflected the strong position of the Company and allowed it to grow its stock and employee base. The new facility was put in place in less than a week.

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Merchant Cash Advance Solution For Ecommerce Business

Capital Raised £100k
United Kingdom

The Scenario

Our client was an up-and-coming online clothing retailer based in the UK, and had been in business for just over two years.

The company had seen steady growth since its inception, but had recognised a huge opportunity to capitalise on the upcoming Black Friday and Christmas shopping rush.

But as a relatively new business, they didn't have the established credit history required for a traditional bank loan.

The Solution

After consulting with Clifton Private Finance, our adviser looked at the business’s trading history, balance sheet, growth trajectory, and broader plans and ambitions to ascertain the best route to funding in terms of cost, loan value, and flexibility.

We introduced them to a merchant cash advance product as a solution - a finance option that's particularly effective for e-commerce businesses.

Here's how it worked:

  • The company received a lump sum of £100,000 within a week of application, allowing them to immediately place orders for additional inventory.
  • Instead of fixed monthly payments, the repayment was structured as a percentage of the company’s daily card transactions. This meant that repayments automatically scaled with the business's income, keeping the risk low.
  • The percentage-based repayment model was particularly beneficial for the company’s seasonal business. During the busy holiday period, they would repay more, but during slower months, the repayment amount would decrease accordingly.
  • Unlike a traditional business loan, there was no fixed repayment term. This gave them peace of mind knowing that a slow month wouldn't put them at risk of missing a payment.
  • And the merchant cash advance didn't require any collateral, which was ideal for an e-commerce business with limited physical assets.

The outcome was highly positive for the business. With the additional inventory, the company was able to take advantage of the surge in demand during the Black Friday and Christmas period.

And, the boost in sales helped establish stronger relationships with suppliers and increased the company's visibility in the market.

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HMO Mortgage for LLP to Secure Buy to Let in Swansea

Capital Raised £300k
Swansea

The Scenario

We were approached by an LLP (Limited Liability Partnership) consisting of 4 people, who’d previously purchased an HMO using a bridging loan, and now needed to refinance.

They had used bridging finance to secure the property because it was uninhabitable at the time, and therefore unmortgageable. However, they’d since invested £50k of their bridging funds into renovating the property, and would shortly be getting tenants in.

So, needless to say our clients were keen to refinance onto a buy to let mortgage as soon as possible.

They needed a mortgage of £300k for the £400k property, however, their options were limited because:

  • Not all lenders accept LLP applicants
  • Not all lenders are happy with refinancing a bridging loan (it’s seen as higher risk)
  • Especially if a part of that bridging loan has been used for renovation costs
  • And they didn’t have any tenants in yet, so wanted to use rental estimates for affordability

The Solution

Our client had spoken to estate agents to get a good idea of the potential rental value for the HMO, and we were able to put these to a specialist buy to let mortgage lender.

Despite the challenges of securing an HMO mortgage as an LLP, it’s entirely possible if you speak to a specialist broker with the right market knowledge and industry connections. Unfortunately, if you go it alone, you’re likely to hit roadblock after roadblock, because specialist lenders in this market are difficult to find – in fact, some of them only accept applications through brokers.

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London Landlord Remortgages 18 Properties on Same Day

Capital Raised £6.7m
London

The Scenario

Our client was a portfolio landlord looking to remortgage 18 BTL properties currently financed under a single mortgage.

They had a large portfolio of 50 properties in total, with ownership split between two limited companies.

But to get more autonomy over their borrowing, they wanted to refinance 18 of the properties (all owned under one ltd company) separately to provide them with:

  • Flexibility – the ability to switch products per property and make ad hoc capital repayments
  • Lower interest rates – the convenience of having one large mortgage for all 18 properties came with a higher cost, so splitting the finance would be cheaper in the long run

The problem

Problem 1

This was an extremely complex case – not least because there were 18 mortgages to arrange, but also, they all needed to be completed on the same day.

Why?

The 18 properties were all currently financed by one loan, so the current provider would need to be completely repaid on the same day, or the deal wouldn’t go through.

This meant all 18 mortgages had to be agreed and ready to go in synchronisation.

And on top of this, if you’re a portfolio landlord, you’ll know when a lender runs an affordability test against you for a new mortgage, they need to account for all the other properties in your portfolio.

For our client, this meant an additional 49 properties and mortgages needed to be stress-tested for each of their 18 applications.

Wondering how much paperwork went into this case? Hint: More than you could possibly imagine...

And this wasn’t the only complication…

Problem 2

The properties were a jumble of HMOs, single lets, freehold and leaseholds. And some were situated in close proximity to commercial units (such as pizza shops and nightclubs, which many lenders don’t like).

This meant we couldn’t approach the same lender for all 18 mortgages because:

a) No single lender was fully equipped to handle each unique ownership and rental structure

b) Even if they were, it would be more expensive for one lender to compromise on all the quirks of each case

Problem 3

Finally, there were the valuations.

Our client had provided estimates on each property’s value and projected rental income, and we’d based their borrowing potential on these figures (with some leeway).

But the lender valuations were coming back lower than expected across almost all the properties.

And so were the rental estimates.

So, each time a valuation came back, we needed to revisit the clients’ LTV (loan to value) and borrowing potential and re-strategize.

The Solution

Problem 1

First was the matter of organisation. We had to ensure our clients’ solicitors received funds from 18 mortgages on the same day.

They then consolidated the funds and repaid the original lender – again, on the same day.

Our broker worked tirelessly to liaise with all parties and ensure everybody was on the same page, ironing out the hiccups along the way.

And to maintain efficient communication with the client, we created a shared master spreadsheet they could refer to on a daily basis for live updates instead of spending hours on the phone.

“I could spend 3 hours on the phone with the client providing strategy and case updates, and I still wouldn’t cover everything – it just wouldn’t be efficient” - George Abouzolof, Senior Finance Broker

Fun fact: our broker sent over 200 emails to different parties for this one case.

Problem 2

Because of the unique nature of each property, we split our clients’ 18 loans between 3 different lenders.

This meant we could keep costs low, as each lender was comfortable with the slice of the property portfolio they were handling.

Problem 3

As more valuations came back, it became apparent our client wasn’t going to reach the level of borrowing they needed. But we agreed upon a solution to compromise: top slicing from their other property portfolio.

In this case, top slicing refers to taking the excess income from any other buy to let(s) and applying it to your affordability.

So, any rental income from the clients’ second portfolio greater than their mortgage repayments could be added to their income – topping up their borrowing power.

Again, it required a lot of negotiation and contextualising from our broker, but we got it done.

The takeaway?

We don’t shy away from large and complex cases.

And when we see value for a client, we follow through on it.

And for this client, they’ll save thousands on their mortgage repayments over time – and the new level of flexibility they have over their debt only compounds this.

If you’re a portfolio landlord looking to refinance some or all of your properties, speak to us today.

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Commercial Mortgage to Restructure for Healthcare Business

Capital Raised £2m
London

The Scenario

Our client, a thriving healthcare business with multiple sites across the UK, approached us seeking a £400,000 commercial mortgage to purchase their Bristol office, which they were currently leasing. They already owned properties in London and Birmingham.

Initially, they had received high-interest rate quotes due to the relatively small loan size, and approached us for a bespoke comparison of their options.

However, after initial dicussions, our team recognised that this presented an opportunity to review and optimise their overall property finance strategy.

The Solution

After a comprehensive analysis of their property portfolio and existing debt, we proposed a strategic restructuring of their commercial mortgage finance:

  • Consolidate all existing debt into a single commercial mortgage, secured against the London property, which had the highest value.
  • Release equity from the London property to purchase the Bristol office outright.
  • And also clear their existing charge on the Birmingham office.

This approach would result in:

  • Two unencumbered assets (Birmingham and Bristol offices)
  • single commercial mortgage secured against the London property
  • A lower overall loan-to-value ratio thanks to the high value of the London property, making them eligible for lower interest rates

The final terms were:

  • Total loan amount: £2 million
  • Term: 15 years
  • Type: Owner-occupied commercial mortgage (as the company operates from the property). Note: owner-occupied commercial mortgages generally have more lenient loan-to-value requirements than standard commercial mortgages.

We also knew our client’s requirement was attractive to lenders, thanks to the large loan size and relatively low loan-to-value, so we were able to pitch the best offers from each lender against each other.

The entire refinancing marked close to a 2.5% reduction in the interest rate they’d be paying on their debts over the 15-year term; a saving that itself would cover the entire monetary cost of purchasing the Bristol office.

By taking a holistic view of our client's property finance needs, rather than simply fulfilling their initial request, we were able to deliver a solution that not only met their immediate needs but also:

  • Simplified their debt structure
  • Reduced their overall interest payments
  • Freed up capital for future investments
  • Strengthened their balance sheet with two unencumbered properties

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