Bridging Loans
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Bridging Loans
Bridging Loans
How Is a Property Valued for a Bridging Loan? The Valuation Basis That Decides Your Real Loan Size
How is a property valued for a bridging loan? The valuation basis — open market vs 90-day vs 180-day — decides your real loan size. A UK broker explains.
Bridging Loans
Bridging Finance for an Uninhabitable Property — Why a Normal Mortgage Won’t Lend, and How the Bridge Works
Bridging finance for an uninhabitable property explained: why a normal mortgage won't lend, what "uninhabitable" means to a valuer, and the trap most buyers miss.Latest guidance
604 guides
Auction Finance
Bridging Finance for Auction Property — How It Works, the 28-Day Clock, and the Legal-Pack Trap
Bridging finance for auction property is short-term lending that can complete fast enough to meet a tight auction deadline, where a standard mortgage usually cannot. It is secured against property and judged mainly on…
Mortgages
SA302 Tax Year Overviews for a Mortgage: What Self-Employed Applicants Actually Need
SA302 tax year overviews for a mortgage explained: what they are, how to download them from HMRC, why they must match your accounts and how lenders use them.
Mortgages
Mortgage Using Retained Profit: How Lenders Actually Assess It
Mortgage using retained profit explained: how some lenders assess company profit alongside salary and dividends, and what documents may be needed.
Buy to Let Mortgage
HMO Mortgages: How They Work and What Lenders Look For
HMO mortgages work differently to standard buy to let. Our advisers explain licensing, valuations, the lender panel and what you need to qualify. Talk to us.
Buy to Let Mortgage
Portfolio Landlord Mortgages: How They Work and What Lenders Check
Portfolio landlord mortgages explained: the four-property rule, how lenders stress-test your whole portfolio, what paperwork you need, and how our advisers help.
Buy to Let Mortgage
First Time Landlord Mortgages: A Specialist Broker’s Guide
First time landlord mortgages explained by a specialist broker: how lenders assess you, what they want to see and the trap that catches new landlords.
Contractor mortgages
Contractor Mortgage on Day Rate: How Lenders Read It
Contractor mortgage day rate explained: how specialist lenders annualise your contract rate instead of your accounts, what they want to see, and how to prepare.
Contractor mortgages
CIS Subcontractor Mortgages: How Lenders Read Your Income
CIS subcontractor mortgages can be assessed on gross day-rate income, not just net profit. We explain how lenders classify CIS workers and what they want to see.
Self-employed and complex income
Mortgage With One Year’s Accounts: Who Lends and How Your Figures Get Assessed
Mortgage with one years accounts? Yes — some lenders accept a single year of finalised figures. How they assess it, what to prepare, and how we place self-employed cases.
Bridging finance
Unregulated Bridging Loans Explained
Unregulated bridging loans fund investment and commercial property where you won't live. We explain who qualifies, what lenders want and how to apply.
Bridging finance
Capital Raising With a Bridging Loan: How It Works and When It Fits
A capital raising bridging loan lets you release equity from property quickly. How it works, when it is regulated, what lenders want, and the exit that repays it.
Bridging finance
Bridging Loan for a Short-Lease Property: How It Works
A bridging loan for a short-lease property can fund a flat a normal mortgage refuses, then exit once the lease is extended. How it works, from our advisers.
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