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Compare Criteria - Bridging Mortgages

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Intermediary Status

Customer Type

Property Type (at completion)

Property Type (after works)

  • Property Value

    Single units - £75,000
    £100,000 London postcodes

    HMO - £100,000 £250,000 for London postcodes.

    Multi-units: £75,000 or £150,000 in London (applies to each unit)

  • Advance (min)

    £50,000 1st Charges, £25,000 for 2nd Charge

  • Income

    Client has to be registered in the UK and source of income should normally be within the UK. Employed applicants must of been inside of their current job for a...

  • Maximum Age

    85 for Investors - 75 for Regulated

  • Type/Commercial

    SPV / LLP Limited Company Standard BTL investment properties such as a house or Flat HMO's up to a maximum of 8 bed - can also consider HMO' with 8 beds with 2 kitchens Portfolio limit for landlords of up to 20 properties allowed with Precise Mortgages. For properties 11...

  • Historic CCJ's & Defaults

    Considered on a case by case scenario (up to date credit search is required for consideration)

  • Property Value

    £166,666 for single securities. £100,000 for multiple securities

  • Advance (min)

    £125,000

  • Income

    Must be able to afford either monthly payment or have a suitable repayment vehicle in place.

  • Maximum Age

    No upper age limit. 85 years old

  • Type/Commercial

  • Historic CCJ's & Defaults

  • Property Value

    £54,000

  • Advance (min)

    £50,000 for Regulated bridging
    £40,000 for Resi/Commercial Investment bridging.

  • Income

    No Minimum Income. Clients to evidence independent material income which must support their personal and business commitments. Where the exit is refinance onto an investment mortgage we will need to...

  • Maximum Age

    80

  • Type/Commercial

    Single Residential investment unit, HMO’s, student BTL. Multi-unit on 1 title, semi commercial, commercial investments units plus owner occupied commercial units. Available to trading Ltd Co. SPV’s and individuals. SIPP's and SAS accepted Offshore LTD Companies and Trusts considered - Minimum loan size must be £750,000. Flats in blocks exceeding...

  • Historic CCJ's & Defaults

    Refer to 3mc

  • Property Value

    £133,333 - minimum loan has to be £100,000

  • Advance (min)

    £100,000

  • Income

    No minimum income required, but exit must be feasible.

  • Maximum Age

    No maximum

  • Type/Commercial

  • Historic CCJ's & Defaults

    Considered on a case by case basis.

  • Property Value

    £133,000

  • Advance (min)

    £250,000 for Brigding

    £350,000 for Semi-commercial and Commercial
    £500,000 for BTL

  • Income

    No Minimum Income

  • Maximum Age

    85 at the end of the mortgage term

  • Type/Commercial

    HMO’s, student BTL. Multi-unit on 1 title, semi commercial, commercial investments units plus owner occupied commercial units. Available to trading Ltd Co. SPV’s, SIPPs and individuals.

  • Historic CCJ's & Defaults

    2 years with no adverse credit – no CCJ’s over £500 in last 3 year. All others can be considered

  • Property Value

    £100,000 - lower considered

  • Advance (min)

    £75,000 Bridging/Auction,

    £200,000 refurb

    £250,000 Dev Exit

    £500,000 Development

  • Income

    No minimum income, however: - Collectively, the applicants/directors must have a combined total income of £30,000 or more. This can include income from employment, self-employment, pensions, investments, and rental or...

  • Maximum Age

    75 at the end of the term

  • Type/Commercial

  • Historic CCJ's & Defaults

    Considered on a case by case basis. However: - Bankruptcy/IVA: No bankruptcy/IVA in the last three years. If bankruptcy/IVA occurred in the last six years, a full explanation is required. For Development Exit: no bankruptcy. County Court judgments (CCJs): All CCJs must be satisfied and should not exceed £5,000. If...

  • Property Value

    Commercial - Loan to value maximum 60% based on the lower of the purchase price or acceptable vacant possession valuation. Residential - Loan to value maximum 70%, based on the lower of purchase price or acceptable valuation.

  • Advance (min)

    £150,000 per property

  • Income

    ALIE evidence – Audited accounts; short form accounts; tax return (2 years); Bank statements (6 months) for all loan commitments and current accounts of the borrower; passing rental income for...

  • Maximum Age

    No maximum age

  • Type/Commercial

    HMO’s, student BTL. Multi-unit on 1 title, semi commercial, commercial investments units plus owner occupied commercial units. Available to trading Ltd Co. SPV’s and individuals. Plus Lending to Trust’s, SIPP/SAS Allow single name into a limited company name using a directors loan and must be at market value Must be...

  • Historic CCJ's & Defaults

    No current bankruptcy or IVA

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