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  • Home
    • About us
    • Treating Customers Fairly
    • Privacy Statement
    • Regulatory Statement
    • Cookie policy
    • Mission Statement
  • Mortgages
    • Residential mortgages
      • Home movers
      • Re-mortgages
      • First Time Buyers
      • Help to Buy schemes
      • Adverse credit history mortgages
    • Buy to Let mortgages for Landlords
      • Buy to Let – tax changes
    • Bridging finance
    • Commercial and Business Mortgages
    • Mortgages for professional occupations
    • 2nd charges and secured loans
    • Equity Release and Lifetime mortgages
    • Overseas mortgages
    • Self-Cert mortgages
  • Insurances
    • For the borrower
      • Life Cover
      • Critical Illness Cover
      • Income Protection
      • Mortgage Payment Protection Insurance
      • Wills
    • For the property
    • Insurance quotes
    • Business insurances
      • Business Protection Planning
  • The Process
    • Conveyancing Quotes
    • Fees
    • Jargon explained
  • Calculators
    • How much can I borrow?
    • Mortgage Affordability Calculator
    • Mortgage cost calculator
  • Testimonials
    • Submit a Testimonial
    • Front door gallery
  • Re-mortage reminder
  • Work with us?
    • Referral scheme
    • Careers
    • Introduce to us
  • Contact us
    • Contact us – Berkshire
    • Contact us – Sussex
    • Contact us – W Midlands
    • Contact us – SW London
    • Contact-us – Oxfordshire
    • Contact us – N Ireland
    • Contact us – Canary Wharf
    • Contact us – East Midlands
    • Contact us – Surrey
    • Contact Us – London E13
    • Contact Us – Warwickshire
    • Contact Us – Slough
    • Contact Us – London E17
    • Contact us – Belfast
    • Contact us – Derbyshire
    • Contact us – Croydon
    • Contact us – Slough
    • Contact us – Greenford
    • Contact us – London N20
    • Contact us – Aylesbury
    • Contact us – Kent
    • Contact Us – Ilford
    • Contact us – Lancashire
    • Contact us – Waltham Forest
    • Contact us – South Wales
    • Contact us – Central London
    • Contact us – Ulster
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  • Home
    • About us
    • Treating Customers Fairly
    • Privacy Statement
    • Regulatory Statement
    • Cookie policy
    • Mission Statement
  • Mortgages
    • Residential mortgages
      • Home movers
      • Re-mortgages
      • First Time Buyers
      • Help to Buy schemes
      • Adverse credit history mortgages
    • Buy to Let mortgages for Landlords
      • Buy to Let – tax changes
    • Bridging finance
    • Commercial and Business Mortgages
    • Mortgages for professional occupations
    • 2nd charges and secured loans
    • Equity Release and Lifetime mortgages
    • Overseas mortgages
    • Self-Cert mortgages
  • Insurances
    • For the borrower
      • Life Cover
      • Critical Illness Cover
      • Income Protection
      • Mortgage Payment Protection Insurance
      • Wills
    • For the property
    • Insurance quotes
    • Business insurances
      • Business Protection Planning
  • The Process
    • Conveyancing Quotes
    • Fees
    • Jargon explained
  • Calculators
    • How much can I borrow?
    • Mortgage Affordability Calculator
    • Mortgage cost calculator
  • Testimonials
    • Submit a Testimonial
    • Front door gallery
  • Re-mortage reminder
  • Work with us?
    • Referral scheme
    • Careers
    • Introduce to us
  • Contact us
    • Contact us – Berkshire
    • Contact us – Sussex
    • Contact us – W Midlands
    • Contact us – SW London
    • Contact-us – Oxfordshire
    • Contact us – N Ireland
    • Contact us – Canary Wharf
    • Contact us – East Midlands
    • Contact us – Surrey
    • Contact Us – London E13
    • Contact Us – Warwickshire
    • Contact Us – Slough
    • Contact Us – London E17
    • Contact us – Belfast
    • Contact us – Derbyshire
    • Contact us – Croydon
    • Contact us – Slough
    • Contact us – Greenford
    • Contact us – London N20
    • Contact us – Aylesbury
    • Contact us – Kent
    • Contact Us – Ilford
    • Contact us – Lancashire
    • Contact us – Waltham Forest
    • Contact us – South Wales
    • Contact us – Central London
    • Contact us – Ulster

Bridging finance

Bridging finance is a short-term loan where an exit strategy is in place within the next 12 months.

Whether you need a bridging loan for a day or a year, for a chain breaking facility, or for property acquisition and development, we will act quickly to arrange the most competitive bridging finance available in today’s marketplace, to provide you with the funds quickly.

Your credit history may not be a problem to access to bridging finance funds.

Stage payment options are usually available, which allows you to obtain funding at various stages of their development, are also available.

It is sometimes possible to include all fees (except initial valuation fee) and interest costs within the loan, which means that monthly payments can be avoided, helping your cash-flow.

Bridging finance can be used for:

Bridging finance

Some of the bridges we are unable to arrange finance on. Sometimes, even we are beaten !

  • Property development
  • Buying at Auction
  • Investment property
  • Business acquisition
  • Land acquisition
  • Chain breaking
  • Tax liabilities
  • Probate delays
  • Bankruptcy/Insolvency

It may be possible to arrange 100% funding, with additional security provided.

How does ‘bridging finance’ work?

Bridging lenders assess the viability of your proposition based on three main considerations:

1) Valuation – Generally a lender will use the ‘open market value’ of your property, rather than the ‘forced sale value’ or the purchase price. Use of this ‘built-in equity’ can potentially reduce the capital that you will need to provide in order to purchase the property or fund its development.

2) Interest – is usually ‘rolled-up’ or ‘deducted’ from the advance, hence monthly payments can be avoided, which assists cash-flow, and usually eliminates the necessity of having to prove income via salary slips or accounts.

3) How you will ‘exit the bridge’ – the exit strategy is key to all bridging finance deals. This is a short term funding facility and should be treated as such, therefore we always discuss your intended exit strategy, which may include the sale of the property (or separate security property), or the provision of a ‘normal’ longer term mortgage, which we, of course, are also able to arrange for you.

Whatever your proposition may be, contact us to discuss your requirements in complete confidence.

 

Bridging finance is not regulated by the Financial Conduct Authority.

Contact a local adviser

  • Des in Berkshire
  • Paul in Sussex
  • Simon in West Midlands
  • Shabbir in SW London
  • Jacqui in Oxfordshire
  • Stephen in Northern Ireland
  • Shailesh in Canary Wharf
  • Chris in East Midlands
  • Tom in Surrey
  • Nadeem in London E13
  • Maz in Warwickshire
  • Ujjwal in Slough
  • Toqir in London E17
  • Ciaran in Belfast
  • Martin in Derbyshire
  • Hadi in Croydon
  • Ahmed in Slough
  • Rex in Greenford
  • Mohammad in London N20
  • Malcolm in Aylesbury
  • Neil in Kent
  • Javed in Ilford
  • Dawan in Lancashire
  • Harry in Waltham Forest
  • Michelle in South Wales
  • Chris in Central London
  • Eoin in Ulster

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Commercial finance brokers, member NACFB, commercial finance, commercial mortgage broker, commercial mortgage adviser

Members of the Federation of Small Businesses.

Your home may be repossessed if you do not keep up repayments on your mortgage.
1st Call 4 Mortgages (UK) Ltd. Registered in England and Wales under number 09333010. Directors: Desmond Tourick and Paul Butler.
Registered address: 78 Hilmanton, Lower Earley, Reading, Berkshire, RG6 4HN.
1st Call 4 Mortgages (UK) Ltd is authorised and regulated by the Financial Conduct Authority under number 676588 in respect of mortgage, insurance and consumer credit mediation activities only.
The information contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based within the UK.
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