Bridging Loans

Key takeaways A bridging surveyor reports several figures, not one — and the loan is usually set against a more cautious resale value (often the 90-day or 180-day figure), not the open market value. The valuation basis a lender uses, more than the … [Read more...] about How Is a Property Valued for a Bridging Loan? The Valuation Basis That Decides Your Real Loan Size

Key takeaways Bridging finance for an uninhabitable property is short-term, asset-backed lending used to buy and renovate a home a standard mortgage will not touch — then you refinance or sell once it is habitable. Also in the case of a buy-to-let a … [Read more...] about Bridging Finance for an Uninhabitable Property — Why a Normal Mortgage Won’t Lend, and How the Bridge Works

Key takeaways Unregulated bridging loans are short-term property loans for cases that fall outside FCA mortgage rules — typically investment, buy-to-let, and commercial property you will not occupy as your home. "Unregulated" does not mean dodgy or … [Read more...] about Unregulated Bridging Loans Explained

Key takeaways A capital raising bridging loan is short-term finance secured against property you already own, arranged to release equity quickly — often for a business purpose, an investment, or to fund another transaction. It is repaid from a … [Read more...] about Capital Raising With a Bridging Loan: How It Works and When It Fits

Key takeaways A bridging loan for a short-lease property lets you buy or hold a flat a normal mortgage lender will refuse on lease-length grounds. You complete short-term, extend the lease, then exit by refinancing onto a standard mortgage or … [Read more...] about Bridging Loan for a Short-Lease Property: How It Works

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

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

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

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