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Bridging Finance

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

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

Maximum LTV 70% of vacant possession
Loans up to £2.5m
Borrowers must be a UK entity or in personal name(s)
Experienced property investors
Maximum term 18 months
Secured by way of a first legal charge on a property located in England, Scotland or Wales
Interest roll up option available within the maximum LTV criteria
Personal guarantees requested from business owners/directors but are not always mandatory

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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