Bridging Finance

Shrewd property investors use short term finance products in order to react as quickly as is required to take advantage of the best deals on the market. These products can help turn creativity and potential into massive wealth creation.

Ramsay & White want to help you materialise your visions and aspirations, both in property and wealth.

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Use Cases

What Can Bridging Finance Be Used For?

Bridging Loans offer a streamlined, adaptable funding alternative, ideal for seizing time-sensitive opportunities and addressing immediate financing needs.

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Purchase property

Secure your next property swiftly with adaptable bridging finance, ensuring you don’t miss out on valuable opportunities.

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Property refurbishment

Transform properties to their full potential promptly with immediate finance, maximising your investment’s value.

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Break the property chain

Overcome transaction delays and prevent potential collapse of property chains by deploying quick, reliable funding solutions.

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Access quick cash

Address urgent financial needs efficiently, utilising bridging loans as a flexible, speedy source of capital.

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Refinance an asset

Streamline your asset’s financial structure effectively with bridging finance, enhancing liquidity and financial stability.

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Portfolio restructuring

Reorganise your property portfolio strategically with adaptable funding, optimising your investment approach.

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Purchase land without planning

Acquire promising land smoothly, even without planning permission, using bridging loans to act on opportunities swiftly.

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Paying off debt

Manage and reduce outstanding debts efficiently with the help of immediate, flexible finance solutions.

Bridging Finance FAQs

Find answers to the most commonly asked questions about our Bridging Finance.

How does Bridging Finance work?
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Bridging loans are short-term finance solutions designed to provide fast funding. They ‘bridge’ the gap between a debt and a main line of credit becoming available. Bridging Finance relies on an exit strategy in order for the loan to be repaid, for example, selling a property or refinancing on to a buy-to-let mortgage.

Interest on Bridging Finance is charged at a monthly rate rather than an annual percentage rate (APR) because they are designed to be repaid within a few weeks or months.

How much Bridging Finance can I borrow?
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We work with a variety of lenders that generally lend between £75,000 to £500,000.

The loan to value (LTV) you secure depends on the value of the security you are providing. You can typically borrow a maximum of 75% on residential property and 60% on commercial property, however, this varies from lender to lender.

Who is eligible for Bridging Finance?
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As security is required, credit history and proof of income is generally unimportant to lenders and most will accept:

  • Employed, self-employed or retired.
  • Private individuals, partnerships or limited companies.
  • Borrowers over the age of 18 years old.
  • Borrowers that live or have a registered address in the United Kingdom.
  • Borrowers with a form of security – usually one or more properties.
  • Borrowers with a defined exit route to repay the loan.
How long does it take to get Bridging Finance?
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Bridging funds can be available within a matter of days, the normal timeframe is 5 – 10 days for completion. If you require the funds fast, speak to our team who will be able to act quickly and approach the best lender.

What security can be used for Bridging Finance?
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Most types of UK property can be used as security against a bridging loan. This includes residential houses and flats, offices, warehouses and other types of commercial premises. Land with and without planning permission is also accepted.

Can I borrow 100% of the purchase price?
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This varies depending on the lender but – Yes, you can borrow 100% of the purchase price if you have additional property or properties to offer as security.  You may also be able to borrow 100% of the purchase price if the property at significantly below its true market value.

What are the costs associated with Bridging Finance?
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In addition to the interest charges, there are several costs to bear in mind when obtaining Bridging Finance. These include arrangement fees, valuation fees, exit fees and solicitor fees. These will vary based on the lender and can change from time to time. Our property finance experts always aim to secure the best funds for our clients in the most cost-effective way.

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Have More Questions?
Schedule a Call with our Team

Client Testimonials

Hear what our clients have to say about their experience working with us on their property investments.

I have used Ramsay & White for several years, they're so helpful and knowledgeable and have always given me the best advice which I would say is invaluable. When using their services I am always being updated at every point throughout the process. I want to say a massive thank you to Joel White & Will Roberts. I've had nothing but an incredible experience from you and I look forward to carrying on working with you in the future.

Charlie Slocombe-Smith

Outstanding, efficient and effective service by Will and Joel. Regular updates, clear and precise. Highly recommended for a smooth, friendly professional service for your lending requirements and financing advice.

Steve Dury

We have been using Ramsay & White as our brokers for a number of years now. They have covered all of our lending requirements from buy-to-let, commercial to bridging. The knowledge and professionalism are second to none. I would highly recommend Ramsay & White.

Jeannette Linfoot

Having done a number of deals with R&W I would highly recommend them! I have been very impressed with their professionalism and knowledge. They are efficient and very helpful, they have helped me grow my business very quickly over the last few months, doing multiple deals at the same time. I Can’t wait to carry on our journey together.

Harvinder Sull

I am over the moon with choosing this company to be part of my property financing journey! They are great, professional and dedicated to the task.

Allicia Stephens

Have worked with Paul and Rachel on several transactions. They have always been extremely knowledgeable, highly responsive and provided excellent service from start to finish.

Matt Barrow
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Why Ramsay & White?

At Ramsay & White, it’s not just about transactions; it’s about forging lasting relationships and being a steadfast companion in your journey towards financial prosperity.

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