INTERMEDIARY ONLY

Regulated Bridging

Finance for regulated bridging properties located in England, Wales and Scotland. Suitable for investment properties only.

Regulated Bridging
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Finance up to
£3 million
Interest rates
0.55-0.70%
Max LTV net
65%
Terms length
6-12 months

Overview

Quickly match the needs of your customers
Key Features
Highlights

Regulated bridging finance for chain breaks, quick purchases and light refurbishment.

£100,000 - £3,000,000 loans

6 to 12 months term

2% arrangement fee

65% maximum LTV net

75% maximum LTV gross

Rolled interest method

No early redemption charge

Interest rates
Monthly interest rates

Interest is calculated daily, then rolled up and added to the loan balance each month. Arrangement fees and other fees (title insurance) can be deducted from the advance or paid separately.

LTV net

50%

55%

60%

65%

Interest rates

0.55%

0.60%

0.65%

0.70%

Key requirements
Individual criteria
Property types
Residential properties only.
Security
We can take a single security for the loan, or accept multiple securities (max 2) for the loan, but all security provided will need to be on a 1st charge basis.
Charge
1st charge only.
Refurbishment
Light refurbishment only. Refurbishment work that requires either building regulations approval or planning permission is not allowed.
Tenure
Freehold, or leasehold with 60+ years left on the lease.
Minimum age
21 years.
Maximum age
No maximum age limit where sale of existing property or proceeds of probate is the agreed repayment strategy. Wherever a refinance forms part of the agreed repayment strategy, a maximum age limit of 75 years old at the end of term will apply.
Individual borrower requirements
Must be a UK resident and have been resident in the UK for the last 3 years, or have a 3 year UK residential history and a permanent right to reside in the UK. No first time buyers allowed. Maximum number of individual applicants is 2.
Exit
Sale of current property. Inheritance where a grant of probate has been issued. Remortgage provided evidence of mortgage offer is provided. Where multiple securities are used remortgage can be used in combination with the sale of another security property.
Credit profiles
Individual credit profile
Individual borrower credit profile
No bankruptcy/IVA in the last 6 years.
Defaults
None in past year, 1 in last 3 years.
Missed mortgage/secured payments
None in past year. 1 in the past 3 years.
Unsecured arrears
2 in past 3 years.
County Court judgments (CCJs)
1 in the past 3 years up to a maximum value of £500 which must be satisfied prior to completion.
Criminal convictions
Not permitted unless relating to motoring offences.
Affordability
No income or affordability proof is required where the exit is sale of the security property. Wherever a refinance forms part of the agreed repayment strategy then evidence of income will be requested.
Valuation & legal fees
LendInvest fees
We take our legal and valuation requirements very seriously. Our loan evaluation process is designed to make this as efficient and reliable as possible.
Independent security valuation
We will carry out an independent valuation of the borrower’s security in order to confirm how much we can lend against the property.
Legal conveyance
We will instruct our solicitors to work on your client’s mortgage. Fees are typically charged directly to the borrower by the solicitor.
How to contact us
By phone, email or arrange a meeting
How to get in touch

Call us on 020 3846 6886 or email us at [email protected].

Arrange a meeting with one of our field-based team between 9am - 5.30pm, Monday to Friday.

Why us?
We’re the UK’s leading online property finance marketplace
Swift and simple
We look to lend quickly and efficiently. We don't do maybes. When we say yes, we mean yes.
Inhouse experts
Our BDMs work with our case managers and underwriters to get back to you with a decision.
Smart online tools
Explore deal options with our calculators, get an instant quote, and track your case progress.
Your Regulated Bridging loan is minutes away.
Apply online for a free, no-commitment quote to find out how much you could borrow.
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