Unregulated bridging loans

Auction purchases, developer exit and property refurbishments are just some of the reasons why you may need a bridging loan. The good news is that we could help you with each one.

Offering loan terms of up to 18 months, we have the flexibility and expertise to provide bespoke solutions for both simple and complex bridging loans.

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Rates

All rates shown are per month*

Buy to let and HMO

Mortgage type 55% LTV 65% LTV 75% LTV
short-term release of equity 0.44% 0.54% 0.64%
Auction purchase 0.44% 0.54% 0.64%
Developer exit (maximum 65% LTV if six or more units and/or average unit value over £750) 0.44% 0.54% 0.64%
Light/medium refurb 0.44% 0.54% 0.64%
Heavy refurb 0.54% 0.64% 0.74% (max 70% LTV)

*Rates above are fixed for duration of the agreed loan term.

Commercial and semi-commercial

Mortgage type 55% LTV 65% LTV 70% LTV
short-term release of equity 0.75% 0.85% 0.95%
Auction purchase 0.75% 0.85% 0.95%

*Rates above are fixed for duration of the agreed loan term.

Maximum LTV

The following limits are gross, including added fees and rolled up interest:

Type Rate Maximum LTV Value over £3.5m Re-bridge
Standard Three month LIBOR + 75% 65% 65%
Light /medium refurb Three month LIBOR + 75% 65% 65%
Auction Three month LIBOR + 75% 65% N/A
Heavy refurb Three month LIBOR + 70% 65% 60%
Commercial Three month LIBOR + 70% 65% 60%