The property market continues to evolve at pace, and with it, the needs of investors are becoming more sophisticated. At its core, success in this space relies on speed, flexibility, and clarity of funding. That’s exactly why we’re excited to introduce our latest bridging product designed to support experienced investors navigating everything from auction purchases to semi-commercial opportunities.
This product has been carefully structured to reflect how deals actually happen on the ground. Whether it’s acquiring standard residential stock, funding HMOs, or progressing semi-commercial assets where the residential element exceeds 50%, we’ve built a solution that aligns with real investor strategies. We’re also supporting permitted development schemes and HMO planning scenarios, with a clear and disciplined approach: no works commence until planning is in place. For more complex cases such as change of use or commercial conversions, we’ve introduced a referral pathway to ensure every deal is assessed with the right level of scrutiny.
From a lending perspective, we’ve focused on simplicity and transparency. We offer first charge lending only, with terms ranging from 3 to 15 months, and a fully rolled interest structure to support cash flow during the project lifecycle. Our maximum lending thresholds are set at 75% LTV and 75% LTGDV, always subject to property type, location, and borrower experience, ensuring both flexibility and responsible lending.
One of the key strengths of this product lies in how we approach day one funding. We cap lending at the lower of 75% LTV, 90% of the purchase price, or 90% of total costs. This disciplined framework ensures deals remain robust from the outset, while still enabling investors to move quickly when opportunities arise. With pricing starting from 0.85%, and strong broker incentives built in, we’ve ensured this product is as commercially attractive as it is practical.
We’ve also taken a measured approach to refurbishment funding. Works are supported through staged drawdowns, paid in arrears, with clear evidence of costs required. This maintains control and visibility throughout the project. To further strengthen delivery, we require external monitoring surveyors or asset managers, ensuring professional oversight at every stage. A residual valuation is conducted from day one, alongside an initial inspection, setting a clear benchmark for progress.
Importantly, we’ve introduced sensible guardrails, such as limiting works to no more than 25% of the day one market value, to ensure projects remain achievable and well-managed. Minimum loan sizes start at £150,000, with drawdowns from £25,000, making the product accessible while still tailored to serious investors.
Ultimately, this launch reflects our broader philosophy: combining speed with structure, and flexibility with discipline. We understand that in today’s market, it’s not just about providing capital, it’s about providing the right capital, in a way that supports both opportunity and long-term success. This is a product built for professionals who know their market, move decisively, and value a lending partner that understands how deals really work.
By Marcus, Sales Director
