Understanding Our Finance Solutions

What is Bridging Finance?
Bridging Finance is a short-term loan secured against a property, providing a temporary solution until long-term finance is secured or the property is sold. It's often used in situations where high street lenders are unwilling to lend, properties are being purchased at auction, or quick access to funds is necessary for business opportunities.

 

What is Development Finance?
Development Finance is a loan designed to fund development projects from inception. It covers site acquisition and build costs, enabling developers to bring their projects to life.

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What is a Secured Loan?
A secured loan is a long-term second-charge loan secured against a borrower's main residence or buy-to-let property. It can be used for various purposes, including home improvements, debt consolidation, investment, and tax bill payments.

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Borrowing Capacity
- Bridging Finance: £30,000 to £50,000,000
- Development Finance: £250,000 to £50,000,000
- Secured Loans: £10,000 to £2,500,000

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Completion Times
- Bridging Finance: Typically 1-3 weeks, with some cases completed in as little as 3 days
- Development Finance: 2-6 weeks
- Secured Loans: 2-3 weeks

 

Security Types
We lend against various security types, including:

- Residential properties
- Commercial properties
- Semi-commercial properties
- Land with or without planning permission

 

Geographic Restrictions
We only lend against properties located in England, Scotland, or Wales. However, we can lend against a property in these countries with the funds being used to purchase a property abroad.

 

Loan Terms
- Bridging Finance: 1-24 months
- Development Finance: 1-36 months
- Secured Loans: 2-25 years

 

Eligibility
We lend to a variety of clients, including:

- Private individuals
- Limited companies
- Expats
- Foreign nationals
- Offshore companies