Regulated residential bridging loans

We deliver first and second charge regulated bridging loans on most properties in England, Scotland, and Wales, with no early redemption charges or exit fees. We can quickly bridge your client’s financial gap while providing you with some of the best commission rates and introducer fees on the market.


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Key product features

  • Available across England, Scotland, and Wales
  • Interest is retained in full
  • Adverse credit considered on a case-by-case basis
  • Highly competitive introducer fees – paid within three days of loan completion
  • Attractive commission rates – typically around 1% of the loan amount
  • No exit fees
  • No early redemption charges

Regulated residential bridging

Monthly Interest Rates & Product Criteria

Loan feature
1st Charge
2nd Charge
Loan-to-value <50% 0.75% pm 0.85% pm
  <60% 0.80% pm 0.90% pm
  <65% 0.85% pm 0.95% pm
  <70% 0.90% pm 1.00% pm
  <75% N.A. N.A.
Minimum term 1 month 1 month
Maximum term 12 month 12 month
Minimum loan size £30,000 £30,000
Maximum loan size N.A. N.A.
Rental coverage - -
ERC None None

Where and when we will lend

  • Properties that are currently occupied or will be occupied by the borrower or their immediate family
  • Individuals and trusts
  • Residential properties
  • Farms or agricultural properties
  • Houses in multiple occupation (HMOs)
  • Land, with and without planning
  • First and second charge security
Hero Curve

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.

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