Our FAQs

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What is a bridging loan?

A short-term, interest only loan available to individuals, partnerships and companies who need finance in a short timescale.

The loan is secured by first or second charge over a property and ‘bridges the gap’ until a more permanent arrangement such as a mortgage or sale is secured.

Bridging loans are repaid from refinance or sale of the property.

When should you use a bridging loan?

Whenever you urgently need a loan to purchase or refinance a commercial or residential property, for investment or owner-occupation.

How is the loan repaid?

From the sale or refinance of the property

What is the difference between first and second charge loans?

A first charge loan is usually the only mortgage secured by the property whereas a second charge loan is also secured against the property but ranks in priority behind a first charge from another lender.

How long will it take to get a decision in principal?

Immediately we have details of your requirement and the security to be offered.

You provide this by completing an initial enquiry form or an application form. Alternatively, phone and speak to our new business team.

We will then provide a decision in principal or, with sufficient information, a detailed Heads of Terms.

How do you process an application?

As soon as you accept the Heads of Terms, the application will be processed by our team of experienced underwriters. We work with a tried and tested panel of valuers and solicitors to ensure the loan can be advanced swiftly and efficiently.

How do you finance the loan?

We are not brokers but principal lenders. This means we have our own funds readily available to lend which are provided by our shareholders and bankers.

How do I make a complaint?

We hope that you will only have positive things to say about us. But in the unlikely event you are unhappy with our service please contact us at with your complaint. We will do everything we can to resolve your complaint swiftly.

We will do the following:

  • Acknowledge your complaint in writing, either by email or letter within 5 working days of receiving your complaint
  • Complete an internal review of your case making sure we have all the necessary information to conduct a full investigation
  • We will address your concerns and try and resolve your complaint
  • We will write to you with our findings within 8 weeks of receiving your complaint.

Financial Ombudsman Service (FOS)

If your agreement is regulated by the Consumer Credit Act 1974 (CCA) or the Financial Conduct Authority (FCA), and you are dissatisfied with our response to your complaint or we do not provide a final response within 8 weeks you may have the right to take your complaint to the Financial Ombudsman Service (FOS). They will not deal with a complaint unless you have given us the opportunity to resolve it first. The FOS mediate on behalf of customers and financial services firms that can’t reach an agreement. You can find out more about FOS and their service by visiting their website:

Property Loans
Finance for the property industry and business community
Property Loans
Short-term loans for homeowners and residential investors
Individually structured development finance for residential and commercial projects
The ALTERNATIVE Overdraft provides a flexible loan facility which can be drawn upon whenever required.
Term Loan
Individually underwritten loans by people for people, not tick boxes and algorithms.