Short Term Finance (Bridging Finance)
Auction finance, Chain break finance, Refurbishment loans & Development Finance
Bridging Finance (Short Term Loans)
Bridging finance loans can be agreed between 1 - 24 months
- Get finance quickly even on unmortgageable properties
- 100% Loan to Value (LTV) available with additional security
- 85% Loan to Value (LTV) bridging for renovations
- 70% Loan to Gross Development Value (GDV)
- 100% of works funded in arrears
- Quick Completions
- Individual names or Limited Company available
- Interest Only
- Second Charge Finance
Light & Heavy Refurbishment Loans
A Short Term Loan used to acquire a building which is not currently mortgageable and therefore requires a bridging loan first.
Whilst on the bridging loan, the works are undertaken on the property.
Auction Finance
Often Auction Houses will require for a purchase to be completed in under 28 days. In these circumstances many applicants will opt for Auction Finance which is a Short Term Loan agreed in order to quickly obtain the property.
You can then look to remortgage to a your preferred lender straight away or after a period of 6 months depending which lender you decide to remortgage with.
Self Build Finance
Looking to build your own home. We have lenders who can help you acheive your goals.
We have access to competitive rates.
Once you have finished building your dream home, you can then look to remortgage on to a normal residential mortgage afterwards.
Investor Strategies
Developments, Refurbishments & Investments
Buy & Flip
This is the term used for someone who looks to buy a property or some land, quickly add value by either adding planning permission, renovating the property or adding an extension. You can then sell the property and move on to the next project.
Add Value & Rent Out
This is for your classic property investor looking to add value in each property. Essentially you buy a property, complete a refurbishment, change of use or extension and then keep the property as a buy-to-let afterwards.
Some buy-to-let lenders will apply a 6 month rule meaning you can not remortgage for the first 6 months however we have access to lenders with no 6 month rule.
Commercial Investment Valuation
This strategy relates to those buying a HMO looking to get a Higher Market Value by getting an Investment Value which can result in a much higher valuation than a Bricks & Mortar Valuation. See HMO section for more detail.
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