Bridging Loan For A Developer

Bridging Loan For A Developer

Clifton private finance

We specialise in raising bridging finance for developers with residential and commercial projects

One of the main hurdles that property developers face is sourcing finance at the right time. Bridging loans are a popular method for developers to access funding within a short timeframe.

We can provide:

  • Market leading bridging loans from £50,000 to £25m
  • Rates from 0.43% pm
  • Lower rates for £1 million+ loans
  • Finance within 7 working days is possible depending on your circumstances
  • 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) investment and commercial properties considered
  • Light refurbishment finance (currently uninhabitable, under permitted development rules, require internal refurbishment)
  • Heavy refurbishment finance (extensions, basement digs, loft conversions, commercial to residential, barn conversions)
  • Bridging finance for business purposes (purchasing land or new premises, deposit for new purchase)
  • Alternative assets considered e.g. pension, investment porfolios, fine art, classic cars
  • Automated valuation option for properties under £1m
  • We provide a friendly, professional service to help you get the money you need at the best available rates
Through our strong links to high street banks and private lenders, we can deliver enhanced, bespoke or exclusive terms based on your requirements.  
Call us on 0117 959 5094 to discuss your requirements.

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Complex Bridging Loan for Spanish Villa in Just 6 Working Days
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Fast Bridging Loan For Complex Development Project
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 Bridging Loan for a Developer Service

Special features and what we offer include:

  • Bridging finance from £50,000 to £25M
  • Term of Finance from 1 to 36 months
  • Loans may be secured within 5 to 7 working days
  • FCA Regulated and unregulated loans
  • Interest roll up schemes
  • No upper age limit
  • Bridging finance for individuals, limited companies, sole traders and partnerships and trusts

What are bridging loans for a developer?

For many property developers, securing finance through a high street lender can be tough. The process of obtaining finance from a high street lender can be a long one. In addition, the majority of traditional lenders will only provide finance to developers with a proven track record of successful projects.

A bridging loan is a specialist, fast, short term financial solution that can be used to ‘bridge’ the gap in funding before additional permanent finance becomes available.

Bridging loans are well suited to property developers as they may provide the funding quickly which can minimise delays to their project.  Also, although some bridging loan lenders are reluctant to lend to inexperienced developers, there are some lenders who are prepared to provide finance to new developers.

Also, property developers benefit from the option to ’roll up’ interest with a bridging loan. This means that the interest of the loan can be repaid at the end of the term of finance, as opposed to making monthly interest payments.  The option to roll up interest allows developers to spend their money on the project and then repay the loan with the interest once the property has sold.

When to use a bridging loan

Bridging loans can be used to facilitate many different development projects including:

  • Extensions
  • Conversions
  • Structural amendments
  • Refurbishments

High street lenders typically do not provide finance for the purchase or development of an unmortgageable property.  A property is unmortgageable if:

  • The value of the property is below 40K
  • The property does not have a functioning bathroom or kitchen.

Bridging loans can be secured for unmortgageable properties. This ensures that developers do not miss out on attractive opportunities.

How to get a bridging loan for property development

If you are a developer and you require a bridging loan, you should speak to a finance specialist as they will recommend the appropriate finance for you and your particular set of circumstances.

To find out more about your finance options, call us today on 0117 959 5094 or use our simple contact form to get in touch.
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Get in Touch

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