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Residential Investment Property Loan

Residential bridging loans secured by individual houses and flats, apartment buildings and HMO’s where the property is let under Assured Shorthold Tenancies.

For purchase or refinance and to release equity or provide working capital.

Available to property investors and dealers. From £250,000 up to £10m for 3 to 24 months.

First and second charge loans for 3 to 24 months to individuals, partnerships, UK Limited Companies, Limited Liability Partnerships and offshore borrowing entities in approved jurisdictions.

Loans are not available for farms, stables, kennels, equestrian centres and other agricultural holdings, and any non-conforming, remote or unusual properties.

The terms below are indicative and we will always welcome a phone call to tell you more.

 

Residential Investments - Lending Terms and Criteria
Loan term
First Charge

3 - 24 Months

Second Charge

3 - 24 Months

Minimum loan
First Charge

£500,000

Second Charge

£250,000

Maximum loan
First Charge

£10,000,000

Second Charge

£5,000,000

LTV up to
First Charge

75%

Second Charge

70%

Interest from
First Charge

0.65% p.m

Second Charge

0.80% p.m

Arrangement fee from
First Charge

1%

Second Charge

1%

Available for
First Charge and Second Charge

Purchase, refinance, working capital and equity release

Secured on
First Charge and Second Charge

Houses and flats, HMO's and apartment buildings for resale or let on Assured Shorthold Tenancies

Available to
First Charge and Second Charge

Individuals & partnerships
UK Limited companies and Limited Liability Partnerships (LLPs)
Off-shore borrowing entities in approved jurisdictions

Not available for
First Charge and Second Charge

Farms, stables, kennels, equestrian centres and other agricultural holdings
Non-conforming, remote or unusual properties
Ex local authority flats over five stories

Standard security
First Charge and Second Charge

First or second mortgage over the property

For corporate borrowers
First Charge and Second Charge

Personal guarantee(s), debenture and floating charge

Download the forms
Our application forms can be completed online or printed out. Simply download the application form. Save it onto your desktop. Open and complete from your desktop. We want to process your application without delay, so please provide all the information required. If you have any questions or trouble completing the forms, please call us on 020 8349 5190.

Residential
Investment
Loan
Form

Third Party
Authorisation
Form

Schedule of
Tenancies

Lending
Terms and
Criteria

Commercial
Property Loans
Finance for the property industry and business community
Residential
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Development
Finance
Individually structured development finance for residential and commercial projects