Residential Finance

Funding that works around the property

Bridging and light refurbishment for residential investment property.

Whether you or your client is buying at auction or taking on a property that needs work, the finance needs to fit what happens next. We support residential investment deals across England and Wales, with bridging also available in Scotland, and can look at below-market-value purchases against the property’s valuation. For you or your client, that means the equity they’ve created by buying well can work in the deal from day one, helping them hold onto more of their own capital for whatever comes next.

Explore our residential case studies

What we lend on

Residential investment property can take plenty of forms, which is why our criteria cover standard houses, HMOs, holiday lets and apartment blocks up to four storeys and 20 units. The borrower will need to already own their home or another investment property, and from there we can look at whether bridging or light refurbishment is the better fit for the deal.

Bridging can go up to 75% of value, while light refurbishment can reach 85% on day one with 100% of the works funded alongside it, and whichever route fits, the term can run up to 15 months for bridging or 18 months for refurbishment, with interest rolled or serviced.

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Valuations without the wait

Eligible residential properties valued up to £500,000 can often use an automated valuation, while desktop valuations may be available on loans up to £1m. Below market value and portfolio deals need a full valuation, and we’ll make that clear from the outset.

A quicker way through legals

Title insurance and dual representation can take valuable time out of the legal process when they’re available. We’ll tell you early if your case qualifies, giving you a clearer route to completion from the start.

One underwriter throughout

From the first enquiry to completion, the same underwriter is there throughout. They know the case and what’s happened along the way, so you can go straight to them whenever you need answers.

How we work

Finance that works with the deal

Every residential deal has its own moving parts, which is why we keep the finance close to the case. We start with the property and the plan around it, then work out what the lending needs to do from there.

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More room in the deal

For light refurbishment, we can lend up to 85% of value on day one and fund 100% of the works. On the right case, we can also go up to 95% of the purchase price, which can leave more of you or your client’s own cash available for the project.

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Below market value

When you or your client is buying below market value, we can size the loan against the valuation. We’ll want to understand why the property is discounted, and once we have that context, the full RICS valuation and minimum 5% contribution give us the basis to make a clear call.

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Worth a conversation

Worth a conversation
If a case involves non-standard property or part-completed works, send it over before writing it off. We’ll look at what’s behind the complication and tell you as soon as we can whether it’s something we can support.

Case Studies

View all our case studies

Our latest Residential case studies

  • Large end-terrace

    Location: Cadishead, Greater Manchester

    Amount Funded: £233k

    Term: 12 months, interest rolled

    Three bedrooms in, six en-suite rooms out

    Three bedrooms in, six en-suite rooms out Heavy Refurbishment A house in multiple occupation conversion funded from purchase through to completion, [...]

  • Three-bedroom mid-terrace house

    Location: Folkestone, Kent

    Amount Funded: £152k

    Term: 12 months, interest serviced

    A first investment purchase, bought under the hammer

    A first investment purchase, bought under the hammer Residential Bridge Two first-time investors found a property £55k below its value. [...]

Download our product guide

Need to check the detail before you send a case over? Our lending guide brings the main criteria together in one place.