Frequently Asked Questions

We can lend up to 70% of your property's value. However, the maximum loan-to-value ratio may be adjusted depending on the nature of the property — commercial properties are typically limited to 60% LTV, and semi-commercial to 65%.

A bridging loan is a short-term loan that covers the gap between paying for a new property before receiving the proceeds of the sale of another. They usually last up to 12 months, though we offer terms from 3 to 24 months.

If you've got less-than-perfect credit, we'll use common sense when reviewing your application and look at your credit history as a whole. We can also ignore adverse credit that's over 12 months old when it comes to deciding your interest rate.

Whether you're a sole trader, freelancer, or side-hustler, we accept self-employed applicants with just 12 months' trading history, and you'll get the same rates as someone with a regular income. We'll look at your last three months' earnings.

We've got decades of experience getting bridging cases over the line quickly — much faster than a typical mortgage. Completion can happen in as little as 7 days, depending on valuation and legal readiness.

A bridging loan is short-term, so you may choose one to sort out a cash flow problem, bridge the gap between buying and selling a property, fund refurbishment works, or because you're turning around a project quickly.

Yes — we can lend on land for a range of purposes. And if you've got planning permission in place, we have development finance options available which can last up to 24 months.

Yes — we have a maximum age of 85 years at the end of the term. So if you've found the perfect retirement property, you don't need to wait for your current one to sell.