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:

0.55% pm

Downsizing/Upsizing

Releasing Funds From Your Home

Short-Term Lease Finance

Auction Purchase

As at 21st May 2024

Development & Refurb

Fast Finance

Rates from:

0.55% pm

Light & Heavy Refurb

Finance For Unmortgageable Properties

Land Purchase with planning

As at 21st May 2024

Residential

Large Bridging Loans

Rates from:

0.55% pm

Up to 80% LTV

Minimum Loan £500k

Minimum net income £100k

As at 21st May 2024

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

Fast Bridging Loan Secured for Deposit on £2.4m New Build
Fast Bridging Loan Secured for Deposit on £2.4m New Build
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£500k
Bridging Loan to Fund Multiple Renovation Projects | Case Study
£950k Bridging Loan to Fund Multiple Renovation Projects
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Capital Raised
£950k
Bridging Loan with Multiple Drawdowns Secured for 18-Bed HMO Conversion
Bridging Loan with Multiple Drawdowns Secured for 18-Bed HMO Conversion
Area
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Capital Raised
£1.2m
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Complex Bridging Loan for Spanish Villa in Just 6 Working Days
Area
Staffordshire
Capital Raised
£1.48m
Case Study: 24 Month Bridging Loan Secured Against £23m London Home
24 Month Bridging Loan Secured Against £23m London Home
Area
London
Capital Raised
£6.5m
Bridging Loan Guarantor - How It Works
Bridging Loan With A Guarantor To Buy New Bournemouth Home
Area
Bournemouth
Capital Raised
£1m

More Opportunities »

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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