Key takeaways Every bridging case sits on four axes: entity (personal name vs limited company SPV), regulation (regulated vs unregulated), purpose (purchase-only vs purchase plus works), and valuation basis (purchase price vs open-market value). A … [Read more...] about Bridging Loans in Personal Name or Limited Company, Regulated or Unregulated — How We Frame Your Case Before We Shop the Lenders
FCA-Regulated Bridging Loans — When the Regulation Applies, What Protection It Gives You, and How We Run a Regulated Case
Key takeaways A bridging loan is FCA-regulated when the security property is, or is intended to be, occupied as a dwelling by the borrower or a close family member. That is the statutory test under Article 61 of the Regulated Activities Order — it … [Read more...] about FCA-Regulated Bridging Loans — When the Regulation Applies, What Protection It Gives You, and How We Run a Regulated Case
How to Read Our Bridging Loan Calculator Result — What the Figures Mean, What’s Indicative, and What Changes When You Call
Key takeaways Our bridging loan calculator gives you an indicative read — a figure close enough to plan around, sourced from our lender panel's engine. It is not a quote. The figure that catches people out is the gap between the gross loan (the … [Read more...] about How to Read Our Bridging Loan Calculator Result — What the Figures Mean, What’s Indicative, and What Changes When You Call
I’ve Run Out of Money Finishing My Build — How Bridging Finance Can Get You to Completion + Exit
By Payam Azadi — Director, Niche Advice Limited Key takeaways If your build is wind-and-watertight and you need finance just to complete the internals, you are often eligible for a heavy refurbishment bridge rather than full development finance — … [Read more...] about I’ve Run Out of Money Finishing My Build — How Bridging Finance Can Get You to Completion + Exit
Cross-Charge Bridging: How to Use Equity in Your Home to Buy Another Property (Without a Residential Remortgage)
Written by Payam Azadi — Director, Niche Advice Limited. CII Certificate in Mortgage Advice (CertMA), FCA-recognised RQF Level 3. 20+ years specialist mortgage broking experience. Reviewed by Richard Stokes — Compliance Director, Niche Advice … [Read more...] about Cross-Charge Bridging: How to Use Equity in Your Home to Buy Another Property (Without a Residential Remortgage)
Bad Credit mortgage needed after a divorce
I have a few Defaults and CCJs after a messy divorce can I get a mortgage even if I have got a bad credit? I would say almost around 35% of all the adverse mortgage enquiries received are to do with a relationship or marital bust up in the past. When … [Read more...] about Bad Credit mortgage needed after a divorce
The Developer’s Guide to Bridging & Development Finance Ratios
In short: Development finance is capped two ways: against the finished value (loan-to-GDV) and against the total build cost (loan-to-cost), with the lender advancing the lower of the two. Understanding both ratios, and how they interact with the cash … [Read more...] about The Developer’s Guide to Bridging & Development Finance Ratios
HMO Conversion Finance Costs in the UK: Purchase Refurb Funding
Compare HMO Conversion Finance Costs: Two Main Funding Routes Explained The story of HMO Conversion projects - In 2024, the number of mandatory and additional HMO licenses that were granted across Great Britain was 23,947. As I write, the … [Read more...] about HMO Conversion Finance Costs in the UK: Purchase Refurb Funding
Maximum Age Mortgage Approval Explained
In short: There is no single maximum age for a mortgage. Lenders set their own limits, usually on your age at the end of the term (often 70 to 85, sometimes higher). What matters most is provable income into retirement; specialist and later-life … [Read more...] about Maximum Age Mortgage Approval Explained
Commercial Mortgage up to 75% Loan to value
In short: A commercial mortgage funds property used for business — offices, shops, warehouses or owner-occupied premises — usually up to around 75% loan-to-value. Lenders assess the property, the strength of the business and the rental or … [Read more...] about Commercial Mortgage up to 75% Loan to value