Specialist

Bridging loan for Mortgage

Service for UK & International Property

bridging-loan-for-mortgage

Clifton private finance

We specialise in raising bridging loans on residential and commercial property transactions in the UK & Europe

We provide a specialist service for large bridging loans in the UK & Europe.

We can offer you:
  • Bridging finance from £750,000 up to £100 million
  • Exclusive rates from 0.43% pm
  • 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 finance (On a regulated basis), for residential property purchase e.g. downsizing, second residential property (UK & abroad)
  • Buy to let, HMO, 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)
  • Development bridging finance for new build residential and commercial properties and property conversion e.g. under permitted development rights
  • Business finance (Paying a 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 professional service to help you get the money you need at the best available rates in line with your timescales

Residential

Buying Before Selling?

Rates from:

0.50% pm

Downsizing/Upsizing

Releasing Funds From Your Home

Short-Term Lease Finance

Auction Purchase

As at 8th June 2023

Development & Refurb

Fast Finance

Rates from:

0.50% pm

Light & Heavy Refurb

Finance For Unmortgageable Properties

Land Purchase with planning

As at 8th June 2023

Residential

Large Bridging Loans

Rates from:

0.50% pm

Up to 80% LTV

Minimum Loan £500k

Minimum net income £100k

As at 8th June 2023

Contact Us

Thank You for your interest - please complete the form below and a member of our team will be in contact.


Call us on 0117 959 5094 to discuss your requirements.
Recent

Property Finance Deals

Case Study: High Value Bridging Loan for Semi-Commercial Property
Bridging Loan for Semi-Commercial Property with Complex Exit Strategy
Area
Bath
Capital Raised
£2.55m
Development Loan to Refinance New Build House
Development Loan to Refinance New Build House
Area
Daventry
Capital Raised
£1.6m
Case study: £1.2M Bridging Loan for Property in South Africa
Bridging loan on UK property to Purchase Home in South Africa
Area
Cape Town
Capital Raised
£1.2M
Case study: £900K Bridging Loan for Upsizing to Worcestershire
£900K Bridging Loan for Upsizing to Worcestershire
Area
Worcestershire
Capital Raised
£900K
£1.35m Bridging Loan For Downsizing To Grade 2 Listed Property
£1.35m Bridging Loan For Downsizing To Grade 2 Listed Property
Area
Lymm
Capital Raised
£1.5m
€1.5M Bridging Loan to Refurbish Luxury Spanish Villa
€1.5M Bridging Loan to Refurbish Luxury Spanish Villa
Area
Marbella
Capital Raised
€1.5M

More Opportunities »

Bridging Loans for Mortgages

In the property market, a bridging loan can be used in multiple ways – and one of these ways it can be used is to buy a house while waiting on a mortgage.

Bridging loans can be used to speed up the buying process of a property – mortgages can take quite a while to go through, and if the nature of your property is time-sensitive (eg if it was bought at auction) then you might want to consider short term finance instead. A bridging loan can be used to bridge this gap, enabling the buyer to purchase their new property without the waiting period necessary for a traditional mortgage. 

A bridging loan could also be very useful to solve one of the most common irritations in the housing market – the housing chain. This is when a series of properties are being bought and sold, but a delay on one property causes delays throughout the whole chain. By using a bridging loan, the delay on the stalling property can be solved, enabling the housing chain to be broken. 

When examining which is better for you it is worth considering how important speed is to your property interests. For example, mortgages can be slow to process, especially during peak season so if time is of the essence in your case, then you might want to consider a bridging loan. 

However, if time is less of an issue for you when approaching buying, you will probably get a more competitive interest rate from a mortgage, so this might be a better route to go down. Also, not all mortgages are very long term - there are some with a minimum term of five years, so for someone looking for a bit more flexibility, this could be a good option. 

There are some properties which cannot be mortgaged due to not meeting certain standards - in this instance, a bridging loan can be the ideal loan. Also, bridging loans have less limitations regarding what they can be used for than mortgages do, which is a plus for someone looking for a quick refurbishment loan rather than money to buy a property. 

 

Why use Clifton Private Finance?

Based in Bristol and Cardiff, Clifton Private Finance has expertise in sourcing large bridging loans; we have contacts with all of the leading banks and private lenders across the whole of the market. This means we can always offer our clients the best rates available for their borrowing needs. For examples of bridging loan cases we have completed for a range of funding scenarios please see our bridging loan case studies
If speed is a priority bridging finance can be arranged quickly depending on your situation. 
Call us on 0117 959 5094 to discuss your requirements.
What Our

Clients Say

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Can bad credit affect your ability to get a bridging loan? Find out why it's still possible to get short term bridge finance,...
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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