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Residential Owner-Occupier Loans

First charge loans for a period of 3 to 12 months secured on owner-occupied houses, flats and maisonettes.

Loans to owner-occupiers are regulated by the Financial Conduct Authority (FCA) and Alternative Bridging (Cheval) is an approved regulated lender.

Residential Owner-Occupier - Lending Terms and Criteria
Loan term
First Charge

3 - 12 months

Minimum loan
First Charge

£250,000

Maximum loan
First Charge

£3,000,000

LTV up to
First Charge

70%

Interest from
First Charge

0.675% p.m

Arrangement fee from
First Charge

1% - 2%

Available for
First Charge

Purchase, refinance, working capital and equity release

Secured on
First Charge

Owner-occupied houses and flats, including regulated loans

Available to
First Charge

Individuals & partnerships
UK Limited companies and Limited Liability Partnerships (LLPs)
Off-shore borrowing entities in approved jurisdictions (minimum loans £250,000)

Not available for
First Charge

Non-conforming, remote or unusual properties
Ex-local authority high rise flats

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
Owner-Occupier
Loan Form

Third Party
Authorisation
Form

Schedule of
Tenancies

BRIDGING BROCHURE

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