Cambridge & Counties Bank | Residential Bridging Loan

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Commercial Bridging Loan

Residential Bridging Loan

Our Residential Bridging Loan offers short-term funding solutions, for experienced investors, to maximise a property’s potential via improved lettings or amendments to existing planning permissions. You may also find a short-term solution like this is ideal for facilitating a stop gap while an orderly sale of a multiple unit building or development occurs.

Lending criteria

Experienced property investors

Maximum term 18 months

Loans from £150k to £2.5m

Personal guarantees required from business owners/directors

Maximum LTV 70% based on the lower of the purchase price or acceptable vacant possession valuation

Interest roll up option available within the maximum LTV criteria

Secured by way of a first legal charge on a UK located property (excluding Northern Ireland)

Borrowers must be a UK Registered Company, Limited Liability Partnership or be using personal names

Key features

Interest roll-up options available

Extended 18-month term

Refinance of completed development schemes

Dual legal representation available to reduce draw down times

Ability to convert a Bridging Loan directly into a Residential Investment Loan

Key Features

Interest roll-up options available

Extended 18-month term

Refinance of completed development schemes

Dual legal representation available to reduce draw down times

Ability to convert a Bridging Loan directly into a Residential Investment Loan

Why choose us?

At Cambridge & Counties Bank we know that investment opportunities don’t always fit with a long term committed loan structure. A short term loan can allow you to secure a property before using your expertise to enhance its value. Our experienced front line and manual underwriting teams have a wide knowledge of the sector so they understand the potential of these properties. We offer a fast and reliable solution which is crucial when striving to ensure properties can be secured quickly or maximum value can be extracted from their potential.

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What are you looking for?

Bridging Finance

Short-term solutions, with quick decisions, to maximise your investment opportunities

Looking for more information? Get in touch with our Property Finance team today.