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Bridging Finance

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

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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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Cambridge & Counties Bank Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under firm registration number 579415. Our authorisation can be checked at the Financial Services Register at www.fca.org.uk.

Cambridge & Counties Bank Ltd Registered Office: Charnwood Court, 5b New Walk, Leicester England, LE1 6TE. Registered in England and Wales No. 07972522.

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