Specialist

Bridging loan with a CCJ

Service for UK & International Property

bridging-loans-with-a-ccj

Clifton private finance

We specialise in raising bridging loans on residential and commercial property transactions in the UK & Europe - even if you have a county court judgement on your record

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

Our specialist team of bridging loan brokers can offer:

  • Bridging finance from £50,000 to £25M
  • Exclusive interest rates from 0.43% APR
  • Financing for downsizing or upsizing residential property (on a regulated basis)
  • Lower rates from £1 million + loans 
  • £99 valuation option for properties up to £1 million
  • Interest roll up options.
  • We provide a friendly, professional service to help you get the money you need at the best available rates

Residential

Buying Before Selling?

Rates from:

0.41% pm

Downsizing/Upsizing

Releasing Funds From Your Home

Short Term Lease Finance

Auction Purchase

As at 6th August 2022

Development & Refurb

Fast Finance

Rates from:

0.45% pm

Light & Heavy Refurb

Finance For Unmortgageable Properties

Land Purchase with planning

As at 6th August 2022

Residential

Large Bridging Loans

Rates from:

0.32% pm

Up to 80% LTV

Minimum Loan £500k

Minimum net income £100k

Serviced monthly interest required

As at 6th August 2022

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

Short Term Finance from Private Bank Secures £1.6m Colchester Home at Low Interest Rate
Short Term Finance from Private Bank Secures £1.6m Colchester Home at Low Interest Rate
Area
Colchester
Capital Raised
£800k
Bridging Loan to Buy Property During Divorce While Waiting for Family Home to Sell
Bridging Loan to Buy Property During Divorce While Waiting for Family Home to Sell
Area
Cheshire
Capital Raised
£700k
Bridging Loan to Pay Inheritance Tax Bill Before Selling Inherited London Property to Cover Costs
Bridging Loan to Pay Inheritance Tax Bill Before Selling Inherited London Property to Cover Costs
Area
Central London
Capital Raised
£360k
Bridging Loan to Secure Property Requiring Planning Permission, Split Titles and Refurbishment Before Refinancing
Bridging Loan to Secure Property Requiring Planning Permission, Split Titles and Refurbishment Before Refinancing
Area
Scotland
Capital Raised
£910k
€3m Bridging Loan on Ibiza Residential Property to Fund London Development Project
€3m Bridging Loan on Ibiza Residential Property to Fund London Development Project
Area
Ibiza
Capital Raised
€3m
Bridging Loan Example: £2.85m Bridging Loan to Buy High Acreage Home Before Selling Existing Property
£2.85m Bridging Loan to Buy High Acreage Home Before Selling Existing Property
Area
Buckinghamshire
Capital Raised
£2.85m

More Opportunities »

Contact Us

Bridging loan with a County Court Judgement 

Can I Get a Bridging Loan with a CCJ on my record? 

Those with poor credit history such as CCJs may find it difficult to source traditional lending from providers such as high street banks, and building societies - even if the debt is settled and in the past. 

We have access to a wider variety of lenders - some of which will happily lend to those with a poor credit history when it comes to bridging loans. 

These lenders will look solely at the value and location of your property as well as the assets you are looking to secure your loan against.

Therefore, they’re happy to consider those who might struggle to attain loans from traditional lenders.

If this is you, the very first thing you need to do is speak to an experienced broker about your circumstances to see what can be done.

Call us on 0117 959 5094 to discuss your requirements.

Our specialist team of bridging loan brokers can offer:

Call us on 0117 959 5094 to discuss your requirements.

Bridging loans are a short-term form of finance, usually secured against a property or asset.  If you are in a time crunch when in the process of buying a home, a bridging loan can be very useful form of finance.

This kind of borrowing can be useful when buying property in many different situations.

These might include:

Depending on whether the property you are buying is intended to house members of your family, your bridging loan will be regulated or unregulated. Bridging loans will look differently depending on your situation.

For example, if you are looking for a bridging loan to enable you to downsize to a retirement property, this will be different to an experienced developer looking for a bridging loan to continue construction on an ongoing project.

But in both of these different cases, bridging loans can be used to release funds when they are needed in order to ensure a smoother financial transition in a situation where other forms of lending would not fit the time frame. The short-term nature of bridging finance makes these situations viable.

Bridging loans can be especially useful in situations where other types of finance are not viable due to the nature of the property. In the case of properties bought at auction, the payment for this property must be made within 28 days. This is not enough time for a traditional mortgage to be arranged, but it enough time for a bridging loan to be sorted out.

In the case where a property does not meet the criteria to be considered mortgageable, then a bridging loan can instead be used to fund the purchase without the restrictions of mortgage requirements.

If you are intending to have family members living in this property, you will need a regulated bridging loan. If you are buying without intent for a family member to live in the property, such as part of a development or an investment property, then you can have an unregulated bridging loan.

Why use Clifton Private Finance?

Based in Bristol and Cardiff, Clifton Private Finance has expertise in sourcing commercial and residential 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 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.
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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