Residential Owner-Occupier Loans

First and second 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


Maximum loan
First Charge


LTV up to
First Charge


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.

Loan Form

Third Party

Schedule of

The ABC of Residential Bridging Loans

When speed matters or when you need funds for redevelopment or when you can’t get a mortgage until improvements are completed, take a bridging loan from ABC.

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