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Bridging finance
Bridging finance is short-term, secured lending that gets a property deal over the line when time is short and the mainstream route is too slow. It is repaid from a clear exit… a sale, a refinance, or the completion of works. We lend for commercial and investment purposes, through brokers, on terms that fit the situation rather than a rigid template.
Lending at a Glance
Value
£100k - £1.5m
Term
3-18 months
Asset Types
Residential, Commercial, Mixed-use
Valuations
In-house, typically within one week
Legals
Dual-representation available
Rates from
0.9% per month
LTV
Up to 75%
GDV
Up to 70%
Locations
England & Wales
Security
First and second charge
Privately funded
◆
In-house valuations
◆
Dual representation
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Personally managed
◆
Privately funded
◆
In-house valuations
◆
Dual representation
◆
Personally managed
◆
When bridging finance is the right call
Bridging works when the timetable, not the credit, is the obstacle. If there is sensible security and a credible exit, we can usually help.
01
A property bought at auction or below market value, needing completion in days
02
A development that needs a few more months to finish and sell
03
Capital locked in an asset that needs releasing quickly, behind an existing charge
04
Any short-term gap where certainty and speed matter more than the headline rate
Our bridging products
What makes HBI different
Because we are privately funded, our lending decisions are our own, based on careful underwriting rather than a fixed template.
We value in-house and use dual representation where it helps, so a deal with a “wrinkle” still gets a fair, fast hearing.
Our own capital
No third party to consult before we commit: the merits of the deal decide it.
In-house valuations
Our own valuers, so the timetable stays in our hands.
Dual representation
One solicitor acting for both sides where it is appropriate.
How a deal moves
01
The circumstances, the security and the exit. A call or the form is plenty to start.
02
In-house valuation and a clear decision from the principals, usually the same day.
03
Clear terms, dual representation where it helps, and completion often inside the week.
Related
Product
Product
Product
For brokers
Send it over and we will tell you where we stand.
