Specialist Mortgages

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Bridging Finance Definitions
  • Standard Bridging - Where short term finance is required and is secured on a property in a habitable condition and does not require any improvement works.

  • Light Refurbishment - This is suitable for properties where: Building regulations are required. There is no change to the overall use/nature of the premises.

 

  • Heavy Refurbishment - This is suitable for properties where: Planning permission is required. Works are being completed under Permitted Development Rights. There is a change in overall use/nature of the premises.

In Negotiation
Refurbishment Buy to Let
  • Suitable for properties where light refurbishment is required prior to the property being let. Bridging finance is secured to complete works with the surety of an exit onto a Buy to Let mortgage (providing there are no changes and the property meets the expected valuation following refurbishment).

Second Charge Lending
  • Where short term finance is required against properties that have an existing mortgage.

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Limited Companies Finance
  • Available for Non-Regulated Bridging Finance only.

  • Registered limited companies including those set up with the specific purpose of buying property (SPVs) are accepted.

  • Businesses must have a UK registered office address and must operate entirely within the UK.

  • We are able to consider off-shore SPVs, please contact us to discuss the options we offer.

  • Maximum 4 qualifying directors/shareholders none of which may be another limited company.

  • In all applications, personal guarantees will be required for all directors and shareholders over the ages of 25, subject to the company having a maximum of 4 qualifying directors and shareholders. There is no limit on the number of shareholders under the age of 25 subject to the shareholders being dependants of the directors.