Frequently Asked Questions

We provide bridging loans from £100,000 up to £5 million, subject to the security offered and the strength of the proposal.

Typically, we lend up to 70% of the property’s 90-day value for residential security and up to 65% for commercial property. The remaining amount would need to be covered by your deposit or equity.

Yes – we can lend to individuals, sole traders, partnerships, limited companies, and SPVs, subject to the funds being for business purposes.

No – being a homeowner is not a requirement. We assess each case on its own merits, with a focus on the security provided.

Yes – we can consider applicants with adverse credit. Our primary focus is on the quality and value of the security.

Yes – we assess each case individually. Provided the exit strategy is clear and the security is acceptable, retirement or employment status will not automatically disqualify an applicant.

We offer light refurbishment and development exit loans. Ground-up development finance is something we offer on a case by case basis.

We’re flexible with how funds are used — including property purchases, refinancing and development exits — as long as the use is for business purposes and clearly disclosed.

We accept a wide range of property assets, including residential, commercial, and mixed-use as well as land with and without planning.

Yes – we consider second charge bridging loans, provided there is sufficient equity. We do also provide equitable charges on a case by case basis.

Yes – third-party security can be accepted.

We offer bridging loans with terms ranging from 1 month up to 12 months (18 months on exception).

We don’t require a fixed exit strategy, such as having a DiP for a refinance, but we do like to understand how the client intends to repay the facility.

Interest can either be serviced monthly or retained from the advance, depending on your preference and the loan structure. We’ll discuss the best option during the application.

We can complete and fund in as little as 72 hours, subject to valuation and legal work. Speed depends on all parties responding promptly.

Valuation and legal fees are payable upfront with all fees outline from the outset.

No – we do not accept dual representation.

Yes – where appropriate, we may accept desktop valuations, especially on lower-risk cases or lower LTVs however we do not accept AVMs (Automated Valuation Models).

Yes – we accept foreign security within the EU as part of additional security to a UK property.

Our interest rates are determined based on the loan size, LTV, property type, and complexity of the transaction. Rates typically start from 1.25% per month.