Specialist Mortgages

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.

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.

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.


There may be a fee for arranging a mortgage, and the precise amount will depend on your circumstances.

1st Mortgage (West London) Ltd. is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register (https://register.fca.org.uk/) under firm reference number 306159. Our registered address is Buckingham House East, Buckingham Parade, Stanmore, Middlesex, HA7 4EB

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