Semi-Commercial Bridging

Highlights

NO minimum loan size (loans considered up to £2m)

NO minimum loan term (up to 18 months)

Up to 70% LTV (gross) of 180-day VP or purchase price on purchases

Up to 65% LTV (gross) of 180-day VP or purchase price on capital raises and refinances

Interest rates starting from 1.1% per month

We do not offer loans for owner-occupied or personal residential use. All lending is unregulated and for business purposes only.

Key Uses

🏬 Mixed-Use Property Acquisitions
Purchase buildings with commercial and residential elements (e.g. shops with flats above).

💷 Capital Raise on Existing Assets
Unlock equity from mixed-use properties for further investment or cashflow.

🔧 Refurbishment or Conversions
Fund cosmetic works or convert commercial space to residential (subject to planning).

📈 Exit Bridge or Refinance
Short-term finance following development or before long-term refinancing.

🏗️ Planning Gain / Change of Use
Acquire assets ahead of planning or change-of-use applications.

No Minimum Bridge Term • 2% Arrangement Fee • 1 Month Exit Fee

Who We Work With

🏢 Ltd Companies & SPVs
Established for purchasing or refinancing mixed-use investment property.

👔 Property Investors & Developers
With experience in managing or converting semi-commercial assets.

🧱 Landlords & Portfolio Holders
Expanding or restructuring property portfolios across residential and commercial asset classes.

🌍 UK & International Borrowers
Including offshore entities with UK-based property.

🌐 Flexible, Case-by-Case Approach
We consider a wide range of borrower types — if the deal makes sense, we’ll take a look.

How It Works

Make an Enquiry
Send us the basic deal details — property, loan amount, and borrower info.
📩 Use our enquiry form or speak to a lending specialist.

Get a Quote
Receive indicative terms, usually within 24 hours.

⚡ Tailored to your scenario, with no obligation.

Credit Review & Valuation
We run due diligence, underwrite the deal, and instruct valuation simultaneously.
🔎 You’ll deal directly with decision-makers.