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Bridging Loan Lending Criteria

We have access to many bridging lenders
across the UK and Europe ranging from
High Street banks to private family offices. 
Each one have their own lending criteria but
to give you an idea of what they will entertain
as an application please take a look at the following.

Loan Sizes

Min loan £25,000 – £500,000,000 (although we do have access to lenders who may consider anything above £500 million on a case by case basis)

Term

1 – 36 months.
– Regulated bridging loans as defined by the FCA are for a maximum term of 12 months.

Security

1st, 2nd or even 3rd charges in some instances.

Who They Lend To

– Private individuals
– Limited companies
– Partnerships
– Offshore Companies

Location

We predominantly cover the following areas:

– London
– Manchester
– Bristol
– Cardiff
– Liverpool

However we do have access to many lenders who will lend right across England, Wales and Scotland. Access to lenders across the EU also.

Property Types

– Houses
– Flats (freehold or leasehold)
– Mixed use premises
– Shops
– Offices
– Care Homes
– Land (with or without planning)
– Farm land
– Health/ Leisure Clubs
– Pubs
– Hotels
– B & B
– Development (with or without planning)
– Holiday Homes

Credit History

Lenders will accept applicants with adverse credit history including:

– Satisfied/ Unsatisfied CCJ’s
– Defaults
– Unsecured/ secured arrears
– IVA’s
– Bankruptcy – if discharged or if funds are being used to be discharged
– Repossessions – to stop repossession or to regain possession of a property

Loan Purpose

– Buy property at auction (normally auctions require a swift exchange and completion)
– Funding renovation or other building work
– Clearing secured and/ or unsecured debts
– Cash for business purposes
– Maintaining a place in a sale chain
– Buy land prior to obtaining planning permission
– Buying a property in a poor condition that may be deemed too risky for a standard mortgage lender
– Buying a business
– To bridge whilst waiting for other funds to come through
– To pay off an existing bridge facility if sale or refinance elsewhere has still not been achieved

Age of Applicant

Applicant must have a minimum age of 18 Years old. No maximum age.

Ready to submit an application?

CLICK HERE TO APPLY

Get In Touch

Your Commercial Finance
International House, 142 Cromwell Road, KENSINGTON
London SW7 4EF
0203 909 2500
 
Your Commercial Finance
The Maltings, East Tyndall Street
Cardiff, CF24 5EZ
02921 670 888

Quick Enquiry

Please call one of our offices in Cardiff or London to discuss your commercial mortgage requirements using the contact numbers provided below.

Cardiff

02921 670 888

London

0203 909 2500

Your Commercial Finance is a trading style of The Mortgage Broker (Cardiff) Ltd which is directly authorised and regulated by the Financial Conduct Authority (FCA).
Our FCA registration number is 765678. You can find us on the FCA register at https://register.fca.org.uk/.
The FCA does not regulate some forms of buy-to-let, overseas and commercial finance and taxation advice.

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Why Choose Us ?

Fully authorised and regulated by the Financial Conduct Authority, Your Commercial Finance advisors all have a high level of expertise with a focus on the commercial, practical and technical skills demanded by large corporate clients and investors.

As specialists in the field of corporate finance, our CFQ accreditation’s are gained from a demonstration of our practical experience backed up by formal examinations. Often playing a lead advisory role in major financial transactions, our advisors are equally at home dealing with smaller investment propositions. Either way, you benefit from our expert knowledge in the corporate finance sector.

Working with you as partners and introducing you to our main stream and specialist lenders

Commercial finance is more than simply finding the best deal available. Your business has to look attractive to lenders to protect the future of your investment. That's why all our advisors work for you and not the lender. We make you look as attractive as possible to secure the best independent deal around.

Our advisors will work with you to select the best arrangement to suit your individual requirements and cash flow. From investment opportunities to bridging loans and commercial mortgages, we can access funds for you in a variety of ways on terms that suit you. Our experienced advisors maintain strong relationships with banks, business angels, investors and private lenders. Whether you are looking to start a new business, expand your current business, invest in capital equipment, or purchase commercial property talk to our advisors.

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"When we wanted to invest in PC3K data recovery technology, we spoke to Your Commercial Finance. Their commercial finance advisors really know the subject and they procured an amazing deal for us!"

"Your Commercial Finance helped us get the best deal for our commercial mortgage. I can't believe how easy their consultants made the whole process. I would highly recommend them."

20+ Years Experience
20+ Years Experience
245 Satisfied Clients
245 Satisfied Clients

Get In Touch

Your Commercial Finance
International House, 142 Cromwell Road, KENSINGTON
London SW7 4EF
0203 909 2500
 
Your Commercial Finance
The Maltings, East Tyndall Street
Cardiff, CF24 5EZ
02921 670 888

Quick Enquiry

Please call one of our offices in Cardiff or London to discuss your commercial mortgage requirements using the contact numbers provided below.

Cardiff

02921 670 888

London

0203 909 2500

Your Commercial Finance is a trading style of The Mortgage Broker (Cardiff) Ltd which is directly authorised and regulated by the Financial Conduct Authority (FCA).
Our FCA registration number is 765678. You can find us on the FCA register at https://register.fca.org.uk/.
The FCA does not regulate some forms of buy-to-let, overseas and commercial finance and taxation advice.

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