Bridgebank Capital Lending Criteria


As one of the UK’s leading bridging finance lenders we aim to provide authorised introducers and brokers with a “one stop” solution for all their client’s bridging finance needs.

Lending criteria

  • Up to 70% LTV or 80% Loan to Purchase Price for residential investment property
  • Upto 65% LTV for commercial and semi-commercial property
  • Up to 100% of property purchase price, subject to additional security

  • Minimum loan advance £125k
  • Substantial lending capacity
  • Terms from 1 day up to a maximum 12 months considered
  • 1st & 2nd blended charge lending available – we do not offer stand alone 2nd charge loans

  • Interest rates from 0.85% per month
  • Monthly interest calculations and rebate of unused interest charges (Subject to a minimum term)

“It’s a popular misconception that bridging finance is complicated and too difficult to get involved with, when the reality is in fact quite the opposite. We can provide you with the information you need to identify when bridging finance could be used to benefit your clients, and then issue a proposal with a firm offer based on your requirements.”

  • Residential investment property
  • Residential property requiring refurbishment and modernisation
  • Part completed residential developments (wind & water tight)
  • Residential redevelopment
  • Property development at an advanced stage of completion
  • Commercial property requiring refurbishment or modernisation
  • Offices
  • Speculative purchases pre planning submission
  • Non trading care sector property for alternative use
  • Light industrial
  • Retail with and without living accommodation
  • Barn conversions
  • Retail conversions
  • Holiday homes – permanent structures
  • Non-trading pubs for alternative use conversion
  • Property requiring conversion from commercial to residential
  • Buy To Let Residential Investments
  • Semi commercial and mixed use properties
  • Commercial and investment properties
  • Conversions
  • Licensed HMO’s
  • Mixed use licensed premises considered
  • Long leasehold and freehold/feuhold
  • Land requiring commercial development in order to be fit/suitable for occupation
  • Property identified as having onerous restrictions or covenants
  • Single purpose commercial property with limited marketability
  • Mobile homes/caravans/house boats
  • Property with adverse environmental issues
  • Property outside of the UK
  • Unique property with specialised use – waste transfer sites/private schools/fisheries/camp sites
  • Contaminated and environmentally unsound land or property
  • Residential and commercial security with protected tenants
  • Property with “notoriety” – castles/restricted covenant usage
  • Residential property less than 10 years old without NHBC or architects certificate
  • Night clubs/Trading pubs
  • Golf clubs
  • Sports ground and stadia
  • Churches and charitable establishments
  • Equestrian centres
  • Health and fitness centres
  • Kennels & catteries without onsite residential accommodation
“Completing a bridging finance deal in itself is not hard at all and should be seen as a solution to a problem, instead of the problem itself”.
Well done – many thanks for your dealings with this case given the short time scales.
Very good company to deal with, don’t make false promises, tell you upfront if case can be done or not.