Question 1

What can a bridging loan be used for?

Accepted Answer

Bridging loans are short-term finance used for auction purchases, chain breaks, light refurbishment, or to complete quickly before a longer-term refinance. They are designed to be flexible and fast.

Question 2

How quickly can a bridging loan complete?

Accepted Answer

With a clear case and valuation in place, bridging finance can complete in as little as 5–10 working days. We manage the lender and paperwork to keep things moving.

Question 3

Do I need an exit strategy?

Accepted Answer

Yes — every bridging lender will want to see a credible exit. That is usually a refinance onto a term mortgage, or the sale of the asset. We help you structure this up front.

Question 4

Can I get bridging on a property in poor condition?

Accepted Answer

Yes. Many bridging lenders will lend against non-standard construction or properties that are unmortgageable on a term basis, which is why bridging is popular for refurb projects.

Question 5

What is development finance?

Accepted Answer

Development finance funds ground-up builds, heavy refurbishment and conversions. It typically rolls up interest and is repaid on sale or refinance of the completed scheme.

Question 6

How much can I borrow for a development?

Accepted Answer

Funding is usually based on a percentage of GDV (gross development value) and build costs. Senior debt, mezzanine and equity layers can be combined to minimise your cash input.

Question 7

Do you arrange mezzanine finance?

Accepted Answer

Yes. We structure senior and mezzanine debt layers to maximise leverage and reduce the cash you need to put into a scheme, while keeping the deal viable.

Question 8

Can development finance fund conversions?

Accepted Answer

Yes — heavy refurbishment and conversion projects (such as commercial-to-residential) are well suited to development finance rather than a standard mortgage.

Question 9

What is a commercial mortgage?

Accepted Answer

A commercial mortgage is long-term borrowing secured against a commercial or semi-commercial property. It is used by owner-occupiers and investors to purchase or refinance commercial assets.

Question 10

Can I get a mortgage on an investment property?

Accepted Answer

Yes. Investment commercial mortgages are assessed on the rental income and yield of the asset, as well as your wider financial position, rather than your personal income alone.

Question 11

Do you arrange semi-commercial and mixed-use mortgages?

Accepted Answer

Yes. We have access to lenders who specialise in semi-commercial and mixed-use assets — properties with both residential and commercial elements under one roof.

Question 12

What LTV can I expect on a commercial mortgage?

Accepted Answer

LTVs vary by lender, asset type and borrower strength, but investment commercial mortgages typically go up to 70–75% LTV. We search the panel to find the best fit for your deal.

Frequently asked

Bridging Finance

Development Finance

Commercial Mortgages