Our short term bridging loans are for purchase, refinance, property improvement or to unlock working capital for business purposes.
This unique overdraft provides you with a flexible drawdown facility giving you instant liquidity and avoids heavy setting-up costs.
Individually structured development loans for residential and commercial projects, with finance available for site purchase, construction and fees, refinance, equity release and to provide working capital. Loans are available up to 90% of the site cost.
We have a commitment to innovation and with the ever changing financial landscape around us we have designed a range of unique Specialist Lending products that solve a range of property lending needs.
Alternative Term Loan
Our Alternative Term Loan has absolutely no early repayment charges, giving your clients the freedom to repay on their terms without penalties.
With a term of 3 to 5 years, this interest-only facility is ideal for brokers working with clients across the UK property and business sectors. Whether it’s for purchasing, refinancing, property improvements, or releasing working capital, the Alternative Term Loan offers long-term stability with built-in flexibility.
Structured to support evolving cash flows, this facility includes options to accrue interest during low or non-income periods, making it particularly well-suited to start-ups, asset management strategies, and transitional properties.
We lend up to 70% of valuation, and as asset value or income improves, clients may benefit from top-up advances – providing a dynamic funding solution as circumstances evolve.
If you’re a registered broker and looking to place a long-term deal with flexibility and zero ERCs. Login now to apply online or call us on 0208 349 5190 to discuss your next long-term deal.
As amounts can vary, please contact us to discuss your loan with one of our experienced BDMs. We’ll quickly make a decision regarding your interest-only loan requirements to ensure swift set-up and speedy access to your new loan facility.
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You will automatically be directed to download an application form when you register.
Loan Term 3 – 5 Years
LTV up to 70%
Amounts £250,000 – £3,000,000
Interest from 6% p.a over BOEBR
Secured on Residential and Commercial Property:
Standard Security:
Available for auction and private treaty purchase, and refinance working capital and release of equity.
Find out all the answers to your frequently asked questions.
It is an interest-only loan from £250,000 to £2m for up to 5 years. Perfect for purchase, refinance and property improvement or to release working capital.
We provide interest-only loans to support small and growing businesses.
If you are unsure, you can find out more below with our frequently asked questions. Or, simply give us a call and ask to speak to one of our experienced property finance professionals.
Our Term Loan has just been re-launched with absolutely NO Early Repayment Charges and a new lower interest rate of 6% over BOEBR.
Investors can use a loan offered by a specialist finance lender to provide funding over long periods than traditional bridging – Read more
Since the Term Loan revamp we have seen high demand from buy-to-let investors. With the new product, we are offering finance to property developers and SME owners to assist new and growing businesses, for asset management situations or to release working capital. Term loans typically suit SME borrowers who may be looking to spread the cost of a large business-related purchase over a few years, or a property developer who requires financing for longer-term schemes to provide more time to complete their current project.
Once a property is renovated, many investors will then refinance using a more traditional buy-to-let mortgage or term loan. Bridging lenders will want to understand what the applicant’s plan is to pay off the loan and their ‘exit strategy’.
The benefits of a term loan are that it allows you to spread the cost of a large purchase over time – giving you the flexibility you need to complete an ongoing or complex project and helps maintain liquidity.
It provides secure funding for the property industry and business community.
Our term loan is available over 5 years.
The flexibility of this loan makes it ideal for business start-ups and asset management, where a client may have a portfolio of assets they want to build upon. It is structured in such a way to match cash-flow and minimise any financial risk.
They can be secured by first charge over residential investments, office buildings, retail premises or industrial and distribution properties.
No, it is not interest free, it is an interest-only loan. Alternative Bridging offers a 5-year interest-only loan for purchase, refinance, property improvement or working capital for commercial and residential properties.
Loans are for up to 70% of valuation. Over the term as income stabilises and other improvements are approved and the asset value increases, we can then consider additional advances to be made.
At Alternative Bridging, our long term interest only loans are available from £250,000 to £2m for a term of up to 5 years. Please refer to our ‘Lending Terms Criteria‘.
You can repay this type of loan by the sale or refinancing of a property.
It allows the funding of longer term projects giving you more time to complete your property project. Explore the differences between a longer term funding and revolving credit facilities.
