0333 200 7209
 
logo 0333 200 7209 The best choice of UK Bridging Loans from the experts
 
0333 200 7209
for the best choice of UK Bridging Loans from the experts  . . .

Fast & Reliable Bridging Loans

Lowest Bridging Loan Rates guaranteed 

FCA Regulated Premier Broker with whole-of-market access to the most competitive Bridging Loans from every lender, all tailored to your exact needs.

 
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Loans £50,000 - £25 million

First, second, & third charges

Up to 80% LTV (100% with additional security)

Residential & commercial property

Land & development projects

Purchasing or re-financing

Refurbishment & conversions

Latest rates from 0.39% pm

No upfront fees

Regulated & unregulated loans

No monthly payments  (Interest roll-up)

Capital raising / cashflow

Open-ended Bridging Loans available

Get approved funding terms you can rely on today ...

Funding terms provided are approved by the lender's credit committee and show full and comprehensive detail. You can therfore rely on the terms being offered should you wish to proceed. No moving goal posts here !!!

QUICK ENQUIRY
Secure form Data Protection Register no: ZA048393

No credit check

No cost

No obligation

Welcome to EquityOne Finance

As a Premier Broker, we can offer all clients and introducers preferable Bridging Loan rates which are not available from all others, ensuring we deliver the best possible solutions for clients at all times.

Premier broker with preferential market leading rates

Access to whole-of-market

We are FCA authorised & regulated

ICO Data Protection Registered

Bridging loans for all circumstances

Get in touch today by calling on 0333 200 7209, or at info@equityone-bridgingloans.co.uk, or complete our short enquiry form.

Flexible solutions to suit many different requirements

Bridging finance for individuals including ex-patriates and foreign nationals, and companies including LLPs, SPVs, trusts, or offshore companies ...

Secured on a wide range of property types including

Our solutions are individually tailored to match each client's circumstances, with fast-track First, Second and Third Charge lending available on many types of property, residential, commercial, and semi-commercial, including properties that are not suitable to other lenders ...

Other property types will be considered, please call us to discuss

What our customers are saying ...

We understand that each client's needs are unique, and that priorities differ from client to client. We appreciate these differences and take pride in delivering reliable funding solutions within the required time-frame that match our client’s needs and preferences head-on.

" Massive thank you …"

Thank you so much for all you have done to help us, you have no idea how grateful we are. You've helped us to not only purchase our forever home but to also provide a lovely family home for our children to grow up in. Can’t thank you enough. You are fabulous at what you do and your constant reassurance, help and guidance made the whole thing a lot less stressful.

" Can’t thank you enough …"

We would like to say an absolutely massive thank you for your work over the past few weeks. Put very simply, we would have lost the new house without you. We really appreciate it. Thanks so much

" That’s super helpful …"

Thanks so much for the update. Really appreciate you keeping us informed, it makes a world of difference to me and my wife. It reinforces our confidence that everything is in hand for a quick completion on Friday. That's super helpful and really efficient, thanks again

Frequently asked questions

Find the answers to some of the most commonly asked questions regarding bridging loan products below. If you can’t find your answer you are looking for below, or would like further information please get in touch with us today, and we will be happy to assist.

  • How much can I borrow ?

    The amount that you can borrow is dependent on your circumstances, but is mainly calculated on a loan-to-value (LTV) basis with a maximum LTV of 80% of the property value. Multiple properties can be used as security to minimise the LTV if available. With additional security properties higher LTVs over 100% are achievable.

  • How long can I borrow a bridging loan for ?

    For FCA regulated bridging loans the term can vary from as little as 1 month, to maximum term of 12 months. Typically for non-regulated bridging loans (used for commercial purposes) you can borrow for longer periods up to 3 years. We can also arrange open-ended (non-regulated) bridging loans which are available from a very select number of lenders.

  • How fast can a bridging loan be arranged ?

    The time taken to arrange a bridging loan varies depending on the nature and complexity of the case, but a typical turn-around time would be 7-10 days. A decision in principle can usually be provided quickly within a couple of hours.

  • Are there any up-front fees ?

    No, you do not have to pay any fees up-front in order for us to provide you with funding terms at no obligation. If the terms are acceptable and you wish to proceed you will then be asked to pay for survey fee at the outset, for the property to be valued.

  • What is a feasible bridging loan exit route ?

    The Bridging Loan's exit route simply refers to the source of funds that will pay the loan off at the end of the term.The exit funds will come from either the sale of a property, or via re-finance.

    When the exit is from re-financing, this can be a longer-term property loan (residential mortgage, or investment mortgage such as a BTL mortgage), or any other legitmate source of funds such as inheritance, pension release, share dividend, or the sale of a different type of asset.

  • How much do bridging loans cost?

    In addition to the loan interest, bridging loans also incur an arrangement fee, a valuation fee, legal fees, and a number of other smaller fees such as telegraphic transfer fee, security release fee. This varies from case to case, but all costs are clearly shown before making any application.

    Interest rates start from 0.48% per month, and depend on a number of factors including the nature of the security property, what the funds are being used for, and the overall loan to value.

    The majority of bridging lenders charge an arrangement fee which can range from 1% - 2%, and will depend on the loan size.

  • Will I qualify with a poor credit score ?

    Having a poor credit score will not prevent you from getting a Bridging Loan but may affect the interest rate charged (which will depend on the extend of any adverse credit).

  • Do I need to prove my income ?

    In most cases it is not necessary to provide proof of income (usually where the exit is from a property sale). However, in cases where re-finance will be the exit we may have to demonstrate that the re-finance is achievable.

  • Will I need to make monthly payments ?

    No, you will not be required to make monthly payments as the interest on most bridging loans is 'rolled-up' or 'retained' and paid off when the loan redeems.

  • Are we FCA Authorised ?

    Yes, EquityOne Finance Limited is fully authorised and regulated by the Financial Conduct Authority under FCA Permission Number 733649.

    This can viewed in the Financial Services Register on the FCA website.

  • Do arrange bridging loans for companies?

    Yes, we can arrange bridging loans for Companies, including SPVs and off-shore companies.

  • Can I pay off a bridging loan early?

    Yes, you can pay off a bridging loan early. Any interest that was calculated for the full term of the loan (beyond the point that you pay it off) will be refunded to the loan.

    This means that you only pay interest on the period that you had the loan outstanding.

 
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Latest completions

We assist clients with a wide and varied range of short-term financial solutions. These are just a few examples of our recent case completions ...

House move

£ 1,315,000

Dorset

Client needed funds to secure a dream property prior to sale of current residence. Case processed & completed while client cruised the mediterranean!

Completed: 10 days  

Re-finance BTL

£1,160,000

London W1

Client with adverse credit struggled to raise finance from traditional sources to complete works on investment properties in order to sell.

Completed: 11 day  

House move

£686,000

Leeds

To purchase property before completing sale of existing property and complete refurbishment works to make new residence habitable.

Completed: 8 days  

Raise capital

£114,500

Midlands

Client raised capital for business injection. Secured with a second charge against property that was taking longer than expected to sell.

Completed: 7 days  

 
VIEW MORE COMPLETIONS
Get in touch today to find out how our knowledge & experience can help you quickly get the best solution perfectly tailored to your exact needs ...
Maximum loan size
£ 25 m
Minumum loan size £30,000
Loan-to-value up to
80 %
100% with additional security
BEST RATES from
0. 39 %
Current at August 2019

Fast competitive & professional lending solutions you can trust ...

As a Premier Broker we are able to ensure our clients get the most competitive interest rates for their bridging finance available in the market today. Our experience and understanding of bridging finance means that we are also able to ensure the finance we arrange best suits the client’s needs and preferences, and importantly is delivered within the required timeframe.