How we lend
01/Parameters
Indicative parameters
The parameters below show where we typically lend. They are indicative rather than fixed: transactions are assessed on the asset, the structure and a viable exit, and a deal that sits slightly outside these ranges is still worth a conversation. If you have a case, tell us the shape of it and we will give you a considered answer quickly.
- Loan size
- £50,000 to £1m
- Loan to value
- Up to 75%
- Term
- 1 to 12 months
- Interest
- From 0.85% pm, fixed for the term
The interest rate is indicative and depends on the individual transaction.
Indicative only. Not an offer of terms. Every transaction is assessed individually.
02/What we consider
Transactions we consider
We consider a broad range of short-term, property-backed transactions.
- Bridging finance
- Auction purchases
- Acquisition finance
- Refurbishment
- Development exit
- Refinance
- Capital raising or equity release for business and investment purposes
- Residential investment property
- Commercial property
- Land
- Other short-term property-backed opportunities
Every transaction is assessed individually.
Typical scenarios
Situations where short-term, property-backed finance is often the right tool.
- Auction purchase
- Completing within a 28-day deadline where a mainstream facility cannot move in time.
- Development exit
- Replacing development finance on a completed or near-complete scheme while units are sold or let.
- Refurbishment
- Funding works ahead of a sale or a longer-term refinance.
- Acquisition ahead of a sale
- Securing a purchase before disposing of another asset.
- Refinance at term end
- Repaying an existing lender while longer-term finance is arranged.
- Capital raising
- Releasing equity from a low-geared property for a business or investment purpose.