Bridging loans

We offer first and second charge bridging loans which can be used to ‘bridge the gap’ for up to 18 months, until longer term finance is arranged, or the security or other assets are sold.

Bridging loans can be used for any legitimate purpose.

Criteria for bridging loans

Key facts

  • Up to 75% loan to value
  • 1st and 2nd charge
  • Rates from 1.02%
  • Individuals, SPV and limited companies
  • Coverage in England, Mainland Scotland, Wales and Northern Ireland


  • Minimum age 18 years old
  • Maximum age 85 years old
  • Individual and corporate ownership
  • Maximum number of applicants 2
  • Up to 5 loans per applicant
  • 3 years residency history
  • 12 months mortgage or rental history needed

Loan details

  • Loans from £25,000 up to £500,000
  • Daily interest
  • Option to roll or service the interest
  • Minimum term 3 months
  • Maximum term 18 months
  • 2% lender fee

Status units

  • 1 unit of adverse in the last 12 months
  • Ignore CCJ’S Under <£300, <£3k satisfied, and all >12 months old
  • Ignore credit card/ unsecured loan/ utility less than 3 months down
  • Ignore mail order and communications for adverse


  • Automated valuations available (subject to criteria)
  • Most non standard construction types accepted
  • Minimum £75k property value
  • Valid ASTs to be provided in all cases
  • Current buildings insurance to be provided
Bridging loan criteria