Skip to content

Bridging Loans

we lend From £100,000 to £1.5m

BREEZE CAPITAL SPECIALISE IN PROPERTY FUNDING: BRIDGING LOANS & PROPERTY DEVELOPMENT FINANCE

Bridging Loans are also known as short term loans and were traditionally used to enable people to buy property at auction. Quite often, auction property is not only uninhabitable, it is also unmortgageable so the only way someone would buy a property at auction was if they had cash.

Not any more.

Bridging loans are used all the time…To buy property at auction is just one aspect of their uses but borrowers also use them to buy land that hasn’t yet got planning permission, buy a house below market value (BMV), buy a farm, office, warehouse or even a hotel that a traditional mortgage lender wouldn’t lend on.

NB: If you are looking for a bridging loan for property development, visit this page

The other thing to note about a bridging loan is that they allow people with poor credit to get a mortgage. Unlike a traditional residential mortgage (which most banks and building societies offer), a bridging loan is really all about the asset…The security as it is known.

This security, in the form of land or a building, is what lenders will base their lending decision on…Not the borrower.

The last thing to note is that Natwest, Barclays and other high street banks do not offer bridging loans.

Breeze Capital Chester

We are the ‘goto’ lender for property professionals throughout the UK looking to fund residential, commercial & industrial property.

OUR BRIDGING LOANS SUMMARY:

  • No broker fees
  • Heads of Terms produced within 4 hours of your enquiry
  • Bridging Loans from £100,000 to £1.5m
  • Loans available on residential, commercial and industrial properties
  • Industrial units and industrial estates in England & Wales
  • Land with planning up to 60% LTV
  • Bridging loans up to 75% LTV
  • Interest can be rolled up (paid at the end when you sell or refinance the property), deducted from the initial loan or serviced (paid monthly)
  • Loan terms from 3 months to 18 months
  • Portfolio bridging available if you have a number of properties that need refinancing
  • Modular construction finance
  • Bespoke, speedy service for large bridging loans above £1m

Apply for a bridging loan today

Recently completed loans

HMO conversion in Handbridge Chester City Centre

HMO conversion in Handbridge, Nr Chester City Centre

£626k Bridging Loan
59% LTV
Rate of 0.92% pm
No exit fee

House refurbishment in Llandudno, North Wales

House refurbishment in Llandudno, North Wales

£445k Bridging Loan
62% LTV
Rate of 0.95% pm
0.5% exit fee

Office to residential conversion in Tarporley, Cheshire

Office to residential conversion in Tarporley, Cheshire

£912k Bridge Loan 
70% LTV
Rate of 0.79% pm
0.5% exit fee

Apply for a bridging loan now

Name(Required)

By submitting this form you consent to us holding your personal data in order to receive the information requested.

Latest Bridging Loan New

Twitter feed is not available at the moment.

 

5 Comments

  1. Bridging Loans Chester - Development Finance Lender
    September 1, 2022 @ 7:49 am

    […] Bridging loans have become an important part of the property developers toolkit. The ability access this type of finance quickly and without fuss is what sets these types of loans apart. […]

  2. When to Choose a Commercial Mortgage or Bridging Loan? - Bridging Loan Lender
    May 6, 2023 @ 5:14 pm

    […] Bridging loans, on the other hand, are a better choice for those seeking short-term financing solutions for property transactions. These loans can “bridge” the gap between the sale of one property and the purchase of another, cover a temporary cash flow issue during property development or renovation and can help you purchase a run down property in need of major refurbishment (which a commercial mortgage lender won’t allow). With loan terms typically between a few weeks and 18 months, bridging loans offer quick access to funds, making them ideal for time-sensitive situations. […]

  3. Commercial Mortgages vs. Bridging Loans: Key Differences Explained - Bridging Loan Lender
    May 6, 2023 @ 5:20 pm

    […] funding for a property transaction, you might be wondering whether a commercial mortgage or a bridging loan is the right choice for you. We explain the key differences between the two types of loans, making […]

  4. Understanding Bridging Loans: A Simple Guide for UK Property Buyers and Investors - Bridging Loan Lender
    May 6, 2023 @ 5:37 pm

    […] Bridging loans are becoming more widespread in the UK, with many people discovering their usefulness for financing both residential and commercial property transactions. These short-term loans are increasingly popular for purchases at auctions, as well as heavy refurbishment and building development projects. […]

  5. Land Bridging Loan - Any Type of Loan
    June 18, 2023 @ 8:25 am

    […] land acquisition: Bridging loans enable swift completion of land […]