Products
Kept simple, with room to move
One product, arranged around the case in front of us. Short-term loans secured on property in England and Wales, priced on their own merits, with no early repayment charges and no monthly payments to service. Whether you are the borrower or the broker placing a client's case, the terms below are the starting point rather than the whole conversation.
- £75k – £3m+
- loan sizes considered
- 1 – 24 months
- terms available
- Up to 80%
- loan to value
- From 7 days
- when everything runs to time
Product summary
The shape of the loan, before the detailOur products are kept simple, and they flex where a client's requirements change. Rather than a rate card and a list of exclusions, the two panels below set out what we lend against and what the loan costs — the questions brokers ask us first.
What we lend
- Every case on its own meritsAll cases are considered and competitively priced on their own merits, and all types of borrower are considered.
- England and WalesResidential and commercial property, on a first or second charge.
- £75,000 to £3,000,000+The range we lend in. Larger cases are worth a conversation rather than an assumption.
- One to twenty-four monthsTerms from a single month up to twenty-four, or up to twelve months where the loan is regulated.
- Up to 80% loan to valueAnd up to 100% where there is additional security to support it.
- Regulated and unregulatedBoth FCA regulated and unregulated loans are available. We will tell you which yours is at the outset.
What it costs, and what it does not
- No early repayment chargesRedeem the loan as soon as the exit arrives. A minimum of one month's interest applies, and beyond that you pay for the time you have used.
- Exit feesThere is no exit fee on most of our products. Where one does apply it is set out in the product guide and in the terms you are given, so you know before you commit rather than at redemption.
- No monthly paymentsThe loan is repaid with a single bullet repayment on redemption, so it does not sit against a client's monthly cashflow.
- No minimum income requirementsThe security and the exit carry the case, not a payslip.
- Fast turnaroundsFunds can be released in as little as seven days. That is the quickest we have done rather than the usual timetable — it needs the valuation and the legals to run like clockwork.
Every case is underwritten on its own merits and remains subject to valuation, title and our usual checks. The figures above are the outer limits of what we consider rather than terms available on every case; the loan you are offered depends on the security, the exit and the paperwork available.
Placing a client's case?
Most of our business arrives through a large panel of professional introducers, and our business development managers cover the country. You deal with the lender direct — the person you speak to is the person who underwrites the case.
Terms, procuration fees, the packaging list and the people who cover your area are all on the intermediaries page.
We lend for numerous client requirements
Twelve of the cases we lend intoBridging is not one product used one way. These are the situations we lend into most often — and if yours is not among them, the twelfth card is the honest answer.
Downsizing
Found your perfect property, but not yet sold? We can fund the purchase until you sell your home.
Chain breaking
Where bridging funding is required to enable the property chain to complete speedily.
Auction purchases
Often where speed is essential. We can fund the purchase until the bank's mortgage is ready.
Property refurbishments
We lend against the property in a single advance — for the purchase, or to release funds towards the work — and you exit on the improved value. What we do not do is release money in stages as the work progresses.
Leasehold extension
Many mortgage lenders will not lend against a property where the remaining term is too short. We can step in whilst the leasehold is extended.
Property purchases abroad
We can lend against a UK property to release funds to purchase a property abroad.
Self build development finish
Nearly completed the build but running short of funds? We lend against the property as it stands, in one advance, rather than in stage payments as the remaining work is done.
Development exit
Finished the work but still on a high rate development loan? We can step in and replace the funding.
Unmortgageable properties
If a property is uninhabitable, it is probably unmortgageable too. We can fund the purchase and lend on the property as it stands, until the improvements are made.
Quick equity release
When funds are urgently required we can move quickly, and have completed in as little as seven days where everything ran to time.
Business uses
Whether it is business expansion, purchasing equipment or releasing funds fast, we can be quick too.
Other uses
Upsizing, rebridging an existing facility, and a list longer than a page besides. There is usually a simple answer — call us with the situation and we will tell you plainly.
Every case is underwritten on its own merits, on first or second charge against property in England and Wales.
Request a callback
Three fields. One phone call.
Leave your number and we will call you back the same working day, whether you are the borrower or the broker. If you would rather talk now, the office line is answered by the lending team.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.