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)
Bridging Loans
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
Auction Finance Problems Avoid Costly Mistakes When Buying at Auction
Auction Finance Problems Strategies for Unforeseen Challenges Auction Finance Problems can be just around the corner as It can be easy to get drawn into the Auction Finance process when looking to purchase a property at Auctions. Before you know … [Read more...] about Auction Finance Problems Avoid Costly Mistakes When Buying at Auction
Bridging Schedule of Works for Property Refurbishment
What is a bridging lender looking for in a Bridging Schedule of Works for property renovation? If you are reading this article on “how to complete a Bridging Schedule of Works,” you are probably about to embark on a house renovation or … [Read more...] about Bridging Schedule of Works for Property Refurbishment
5 Key Benefits of Bridging Finance Good and Bad points Explained
Benefits of Bridging Finance - The good and The bad and the Ugly on of the key Benefits of Bridging finance can be a flexible facility for property investors, providing access to funds when traditional mortgage lenders fail to meet their needs … [Read more...] about 5 Key Benefits of Bridging Finance Good and Bad points Explained
How to get a Mortgage For a 56 Days Auction – Modern Method of Auction
In short: Buying at auction usually means completing within 28 days, or 56 days under the Modern Method of Auction. A standard mortgage rarely moves that fast, so buyers often use bridging finance to complete on time and then refinance onto a … [Read more...] about How to get a Mortgage For a 56 Days Auction – Modern Method of Auction
Bridging Fees – The difference between gross and net bridging loans
Bridging Fees - Lets talk about gross and net bridging loans costs A large majority of bridging enquiries I receive are from applicants wanting the maximum loan-to-value and expecting their deposit outlay to be limited to 25%. The reality is the … [Read more...] about Bridging Fees – The difference between gross and net bridging loans
Bridging Loans Fees how much do Bridging Loans really cost
Full breakdown of all the costs for bridging Loans Fees The purpose of this article is to give an overview of the Bridging Loans Fees payable when setting up Bridging Finance secured against property / real estate. The actual costs will depend on … [Read more...] about Bridging Loans Fees how much do Bridging Loans really cost
BRRR 85% LTV bridging loan for property refurbishment
BRRR Finance Refurb Projects to 85% LTV bridging on day 1 May be excitement and refurb finance don’t naturally gel together but this 85% Loan to Value bridging Loan product could be the one to shake this up and id Ideal for those of you looking at … [Read more...] about BRRR 85% LTV bridging loan for property refurbishment