Residential Property Loan

Residential bridging finance is most commonly used when buyers wish to purchase a property they have found but have not yet secured a sale on their current property. Bridge finance is a short-term funding solution that will be repaid once the property has sold.

Ways to use a residential bridging loan

When may a property loan be used?

Bridging loans can be used for nearly any purpose, including:

  • Auction Purchases: With quick completion in the given time range
  • Maximise property value and income by planning for gain or change of use
  • Chain-breaking mortgages allow borrowers to make a purchase before selling their present property
  • Releasing funds from probate on inherited property to sell it
  • Maximise rental revenue through refurbishment financing
  • Purchase at undervalue: Allowing a borrower to profit on a one-time opportunity


How are property loans underwritten?

At, all of our loans are individually underwritten with the borrower as the primary emphasis rather than the property. There is an emphasis on the borrower’s power and capabilities, as well as their exit strategy for paying off the loan. 

The benefits of a property loan for small businesses and semi-professionals

  • Quick access to funds
  • Versatile application options
  • No hidden fees
  • Approval is based on property valuation, not payment capacity or purchase price.

A residential bridging loan can also be used to repay debt, purchase new investment properties, or even for home improvements. Our specialists can work from the market value of the properties, not just the purchase price, which is the case with many high-street lenders.

A bridging loan for renovation is also very useful in situations where a high-street lender won’t lend on a property because it is uninhabitable.

The bridging loan calculator can be used to determine the basic costs of bridging finance and bridging loans in the UK. The calculator, however, only provides the costs for one type of bridging finance, and as many types of projects are funded by bridge loans in the UK, a discussion with one of our qualified advisors will additionally help to ensure accurate costing is received.

Criteria for a residential property loan

The following criteria points apply:

  • Minimum term: 3 months.
  • Minimum loan size: £25,001.
  • Maximum term: 12-18 months.
  • Maximum 1st Charge Loan: 75% LTV, can rise to 100%.