Finance solutions

Six ways we put short-term capital behind a property plan.

Every facility is written around the exit. Tell us how the loan gets repaid and we will tell you quickly whether we can support it — and at what sort of level.

Residential bridging

Illustrative rates from 0.75% pcmUp to 75% LTV

Chain breaks, purchases outside a mortgage timetable, and portfolio acquisitions on non-owner-occupied residential security. Interest retained, serviced or rolled.

  • Non-owner-occupied only
  • 1st and 2nd charge
  • 3–18 months typical

Auction finance

Illustrative rates from 0.79% pcmUp to 70% of purchase price

Terms sized to a 28-day completion. Valuation instructed on day one and solicitors briefed to work to the auction contract.

  • Pre-auction terms available
  • Works to hammer price
  • Vacant or tenanted stock

Refurbishment finance

Illustrative rates from 0.85% pcmUp to 70% day one, 100% of works

Light cosmetic works through to heavy refurbishment, conversions and permitted development. Staged drawdowns released against monitoring surveyor sign-off.

  • Works funded in arrears
  • GDV-tested exit
  • Monitoring on larger schemes

Development exit

Illustrative rates from 0.69% pcmUp to 75% of value

Repay a development facility once the scheme is practically complete, releasing sales pressure and often reducing your cost of capital while units trade.

  • Post-PC schemes
  • Part-release on unit sales
  • Equity release considered

Commercial & semi-commercial

Illustrative rates from 0.89% pcmUp to 65% LTV

Offices, retail with flats above, light industrial and mixed-use assets held in corporate structures, including repositioning and vacant possession plays.

  • Corporate borrowers
  • Asset repositioning
  • Vacant assets considered

Second charge bridging

Illustrative rates from 0.99% pcmUp to 70% combined LTV

Release equity behind an existing lender where a consent to second charge can be obtained, for working capital into another project or a time-critical purchase.

  • Subject to first charge consent
  • Deed of priority required
  • Business purposes only

Rates shown are illustrative starting points for the strongest transactions and are not quotations or offers of finance. Actual pricing depends on security, leverage, borrower experience, exit strength and term, and is confirmed only in a written facility offer following underwriting, valuation and credit approval.