Commercial / Semi Commercial

Bridging Loans

This range of bridging loans is designed to cover purchases and refinances of both commercial and semi-commercial properties.
If your client has a gap in financing and needs to fill it fast, a flexible bridging loan from West One could be just the solution you need.
From the straightforward to the complex, we treat each case individually and tailor a solution to suit the client.

Let us help you get started

Talk to our expert Bridging Loans team today to see what we are able to offer your client, get in touch now.

Our Product Range

Purchasing a commercial or semi-commercial asset.

Max LTV:

65%

Rates:

from 0.70% (semi-commercial)
from 0.85%  (commercial)

Max charge type:

 1st

Location:

England, Scotland, Wales

Term:

18 months

Interest type:

Retained or serviced
  • Proof of funds/evidence of deposit required.
  • For semi-commercial assets, the residential element must comprise less than 50%  of the square footage. 
  • Minimum age – 18
  • Minimum loan size - £75k
  • Minimum term – 1 month
  • Scotland – mainland only
  • Serviced interest subject to a strict affordability assessment
  • We cannot lend on places of worship, football clubs or operating care homes.

Bring it home for your client

Cut through the red tape with our hassle-free application process. We can typically confirm almost immediately whether your client’s application is likely to be successful.

Enquire Now

Raise cash flow for business purposes.
Refinance existing charges secured on an asset.

Max LTV:

60%

Rates:

from 0.70% (semi-commercial)
from 0.85%  (commercial)

 

Max charge type:

 2nd

Location:

England, Scotland, Wales

Term:

18 months

Interest type:

Retained or serviced
  • Minimum age – 18
  • Minimum loan size - £75k
  • Minimum term – 1 month
  • Scotland – mainland only
  • Serviced interest subject to strict affordability assessment
  • We cannot  lend on places of worship, football clubs or operating care homes.

Bring it home for your client

Cut through the red tape with our hassle-free application process. We can typically confirm almost immediately whether your client’s application is likely to be successful.

Enquire Now

Funding structural works and ground-up developments. Purchasing a property with a view to converting

Features

Max LTV:

70% (Day 1 LTV)
65% (LTGDV)

Rates:

from 0.80%

Max charge type:

 1st

Location:

England, Wales

Term:

18 months

Interest type:

Retained
Criteria
  • Drawdowns available subject to approval by Monitoring Surveyor.
  • Cannot be principle primary residence.
  • 100% build costs funded, in arrears.
  • Experience of similar projects preferable, but not essential.
  • Minimum profit margin of 20%
 
Features

Max LTV:

70% (Day 1 LTV)
65% (LTGDV)

Rates:

from 0.70%

Max charge type:

 1st

Location:

England, Scotland, Wales

Term:

18 months

Interest type:

Retained
Criteria

  • No experience required.

  • Typically no Monitoring Surveyor, but inspections prior to further drawdowns required.

  • 100% build costs funded, in arrears.

  • All appropriate licenses/permissions required.

  • Works to not exceed 15% of GDV.

  • Minimum age – 18

  • Minimum loan size - £75k

  • Minimum term – 1 month

  • Scotland – mainland only

 
Features

Max LTV:

70% (Day 1 LTV)
65% (LTGDV)

Rates:

from 0.65%

Max charge type:

 2nd

Location:

England, Scotland, Wales

Term:

12 months

Interest type:

Retained
Criteria

  • Works requiring planning permission or approval not allowed.

  • Typically no MS , but inspections prior to further drawdowns required.

  • Minimum age – 18

  • Minimum loan size - £75k

  • Minimum term – 1 month

  • Scotland – mainland only

 
Contact one of our experts now for more information on our range of bridging loans. 

Talk to Us

Become an Introducer

Introduce business to West One

If you would like to discuss a case, register as an introducer or learn more about what West One has to offer, simply complete the short enquiry form below and a member of our broker support team will get in touch. 
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Meet our Bridging Finance Team

Sales, business development & operations.

Nicholas Jones

Sales Director, Bridging

nicholas.jones@westoneloans.co.uk +44 (0)333 1234 556

Michael Grant

Head of Sales, Bridging & Development Finance

michael@westoneloans.co.uk +44 (0)7415 117 683

Matthew Watson

Business Development Manager

matthew.watson@westoneloans.co.uk +44 (0)7584 165 082

Amy Medhurst

Internal Sales Manager

amy.medhurst@westoneloans.co.uk +44 (0)333 1234 556