Let our team of specialists take care of your bridging cases. We provide regulated bridging loans for your clients, including those with complex scenarios, and consider unregulated applications where they involve residential property. To find out more, please talk to your nearest Specialist Lending Manager.
We’ll consider other scenarios too, please talk to your Specialist Lending Manager.
| LTV | Loan size | Rates from | Application fee | Arrangement fee |
| ≤60% | £200k – £3m | 0.52% | £495 | 2% |
| ≤45% | £200k – £3m | 0.44% | £495 | 2% |
These are approximate monthly interest rates.
We charge our interest on a daily basis.
Standard pricing model shown above. Flexible options available upon application:
Note: interest rates on bridging loans are subject to a minimum interest rate of 5.24% per annum. Talk to us to find out more.
Other fees to be paid by your client:
Fees are outlined in the Society’s Tariff of Mortgage Charges.
| Applicant criteria | |
| Minimum age | 18 |
| Maximum age | 85 at the end of the loan |
| Maximum number of applicants | Four |
| Residential status | UK and expat loans considered. Please see our current list of countries that we can consider |
| Foreign nationals | Foreign nationals considered |
| Credit impairment | We are unable to accept credit impaired applicants |
| Security criteria | |
| Location | England or Wales |
| Primary security | Must be residential in nature |
| Additional security | • We accept more than one property as security • We will consider a second charge on additional security • We will consider development land as additional security |
| Stage drawdown criteria | |
| Timings | • Stages pre-agreed at application |
| Acceptable evidence | • Lender visits • Architect updates • Project manager letter • Photographs • Other options agreed in advance |
| Considerations | • Greenfield sites will require an additional security |
| Loan criteria | |
| Amount | £200k – £3m |
| Term | Usually up to 12 months. Up to five years for High Net Worth individuals |
| Maximum LTV | 60% overall based on the Open Market Value |
We accept residential properties as security, for example:
We are happy to consider unusual properties, including the following:
The sale of the primary security is often used to repay the loan but we also consider other methods:
We’ll consider other strategies too, please talk to your Specialist Lending Manager.
Pricing is tailored to your clients’ individual circumstances. To find out more or discuss a case, talk to your nearest Specialist Lending Manager.
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