We work quickly and we get straight to the point. Tell us what you need and we'll broker a solution.
We know that when you need bridging finance, you'll usually be looking to get the transaction completed as quickly as possible, which means getting offers as fast as you can. We move quickly to arrange finance and to get you offers as quickly as we can - usually in just a couple of days - to get the process started.
Like any type of lending, it's important that if you're considering a bridging loan, you understand your options, how this type of finance works, the other types of lending that might be available to you, costs, fees and any potential risks so you can make an informed decision about whether to proceed or not. Borrowing should always be affordable, responsible and you shouldn't overstretch yourself. Taking advice on the types of finance available to you will always help you ensure you are making the best possible decision for which type of loan you take out.
Each lender has its own lending criteria, so your eligibility for a loan may depend on the institutions you approach. However, provided you are a good candidate for a loan, borrowing is affordable and you have a good exit plan, bridging loans are usually a possibility for most people.
There a bridging lenders that serve every part of the market: you can access loans of a few thousand pounds, or access finance of several million pounds. Your financial situation, the reason why you want a bridging loan, the value of your security (usually your home or another asset) compared to the amount you want to borrow (known as the loan-to-value ratio), your exit and plans for managing the money you borrow are the most influential elements when it comes to determining how much you can borrow. If everything adds up: almost any amount is possible from small loans all the way up to multi-million-pound finance.
Lots of borrowers aren't familiar with bridging loans, and you might have questions about how they work, how repayment works, fees and interest, or simply how they're different from a conventional product that you know more about, like a mortgage.
If you're not sure if a bridging loan is for you, get in touch and ask us about them. We're not a lender - our only objective is to arrange the best rates and terms for you - and only then, if bridging finance is the right option for you. We'll never push you to consider a bridging loan and we certainly won't raise it as an option if we see that it's not the right type of finance for you, if you'd be overstretching or if another type of loan would be a better option for you. We'll talk you through the ins and outs of bridging finance, explain how and when this type of finance is used and talk you through how you might use it in your situation - there's never any obligation to take things forward.
We broker bridging loans in the UK and in deals that involve property outside the UK - predominately Italy, Spain, France and Portugal, but in theory, all through Europe. There are no restrictions on who we can work with in terms of nationality, provided you meet our compliance screening, so we can help you wherever you are based and wherever you are resident.