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
Bridging Loans
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)
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