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Finding Regional UK Bridging Loans

Mortgage lenders and bridge products vary across the UK. Discover how your location will impact your bridging finance prospects and whether to choose a national or regional lender.

Almas Uddin
Almas Uddin

Founder and Mortgage Advisor

Almas Uddin2024-07-04
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Finding Regional UK Bridging Loans

Lenders vary across the UK. While it might be easier to find a local bridging loan provider in central London than in Scotland, there are always options, wherever you are based, and even if you need bridging finance for an overseas project.

Here we'll summarise how the bridge loan sector varies in regions of the UK.

Why Finding Regional Bridging Loan Providers Is Important

Unlocking the benefits of nearby loan services can transform your funding journey. Local lenders offer insight into area-specific market behaviors, making them a goldmine for borrowers seeking bridging loans.

These providers have a deep grasp of surrounding laws and regulations, ensuring you move through legal waters with ease. Plus, their proximity often leads to quicker decision-making times, speeding up the entire loan approval process.

This local advantage streamlines transactions and fosters strong community ties, setting a solid foundation for future financial interactions. Keep reading to discover how choosing regional lending partners could be your best move in securing that vital bridge finance deal.

Access to local market knowledge

Local market knowledge plays a critical role for regional bridging loan providers. They understand how the area’s economy affects property values and lending risks. This insight helps them offer loans that match the market’s current state, ensuring borrowers get fair terms.

For example, knowing if a neighborhood is on the rise can influence a lender's decision to provide financing under certain conditions.

These providers also keep track of local monthly interest payments rates and real estate trends. Their grasp of such details means they can adjust loan offers based on accurate, up-to-date information.

This benefits both the bridging loan lender and borrower by aligning loan terms with realistic repayment plans and the bridging loan interest rates. With £831 million lent in bridging finance across the UK in 2023, understanding these factors becomes crucial for making informed decisions about borrowing or lending money in specific regions.

Better understanding of local regulations and laws

After gaining insights into the local market, focusing on how regional loan providers handle regulations and laws is crucial. These lenders are well-versed in managing local legal frameworks that govern bridging loans.

For instance, they understand the difference between regulated bridging loans—those secured against properties occupied by the borrower or their family—and unregulated bridging loans meant for business investments in commercial properties.

The Financial Conduct Authority (FCA) oversees regulated loans, providing a layer of protection to borrowers. As of the first quarter, 46% of all bridge financing fell under this regulated category.

Some regional providers offer both types of closed bridging loans through brokers, with amounts ranging from £75,000 to £30 million and terms from one to twenty-four months. They do so without imposing early repayment fees as well as valuation fees - a significant perk for borrowers aiming to settle debts swiftly as their circumstances change.

By choosing a provider knowledgeable about these nuances, borrowers ensure compliance with legal standards while benefiting from flexible financial solutions customized to their needs.

Faster process and approval

Understanding local laws leads directly to quicker bridge loan approvals. Regional providers speed up the borrowing process. For instance, Revolution brokers can complete loans in as little as 5 business days with approval times often under 24 hours, typically ranging from 5-14 days.

This efficiency ensures access to necessary funds quickly, whether for property purchases, renovations, or refinancing existing debts.

Revolution Brokers demonstrates this speed and flexibility by offering rapid access to finance for various needs. Their loans range widely from £50,000 to £25 million and can go up to a 75% loan-to-value ratio.

Such quick service means borrowers can secure the finances they need without unnecessary delays caused by long approval processes common with conventional mortgages or banks. This aspect is crucial for those looking to move fast in competitive real estate markets or needing urgent financial support for business ventures.

Benefits of Choosing Regional Bridging Loan Providers

Working with regional bridging loan lenders brings key advantages. They offer support that feels more personal and specific to you. These providers tailor their services to fit your unique situation, making the whole process smoother.

Plus, they might help you save money on your bridge loans by offering better rates than larger institutions, due to their understanding of local market conditions.

Choosing a local lender also means creating strong partnerships. This can lead to building a solid reputation in your community. Over time, these relationships contribute significantly to both parties' success and open up new opportunities for future transactions.

Personalized service and support

Regional bridging loan providers like Revolution Brokers stand out because of their personalized service and support. They use clear communication to ensure transparency in every step, making it easy for you to understand the terms of your bridge loans, repayment options, and any associated costs.

These firms make real decisions with people at the core, showing they value a personal touch over automated systems. Their fast and flexible services mean they adjust quickly to your unique situation, providing advice that aligns with your financial goals while considering your credit history and loan amount requirements.

This kind of personalized approach helps build lasting relationships between lenders and borrowers, making the process smoother for homeowners or anyone looking to refinance or secure a second mortgage.

Potential cost savings

Moving from the unique personalized services that regional loan providers offer, we now find ourselves considering how these same providers can lead to significant money saving for borrowers.

With many companies offering equity-backed loans at a 75% loan-to-property-value ratio and rates as low as 0.59% per month, the savings become clear.

This flexibility ensures that borrowers receive more personalized lending solutions that are financially smarter, potentially reducing the total cost tied to borrowing significantly compared to other financing routes like credit cards or personal unsecured loans.

Building lasting relationships and reputation

Choosing regional bridging loan providers like Revolution Brokers helps create strong, lasting connections. These institutions value tradition and honesty in their lending practices, which sets the stage for trust and loyalty between borrowers and lenders.

By focusing on these values, customers often feel more understood and supported throughout the borrowing process.

We offers a range of financial solutions including business bridging loans that pave the way for mutual growth and respect. Their approach provides not just financial support but also a partnership that contributes to building a solid reputation in the community.

Are There Different Rules for Bridging Loans London?

Rules aren't necessarily different, but you are likely to need help from an experienced broker to find the best bridging loan rates in some areas.

  • London offers a broader range of bridge loan lenders to select between, and if you need specialist lending, your best bet will usually be a bridge loan provider in the capital.
  • You'll need a specialist lender and a provider who caters to bridge loan projects in the area in Scotland. There are restrictions to be aware of, such as eligibility requirements in Glasgow, and development rules in the Highlands.
  • Northern Ireland bridging loan lenders are similarly few, but you will always find a lender with the help of a whole-of-market broker. In some cases, lenders operate within particular postcode restrictions; it's essential to apply to the right lender.

  • Property Details
  • Type of loan
  • help Maximum 75% LTV
  • help Maximum 70% LTV
  • help Maximum 70% LTV
  • help Maximum 65% LTV
  • help We will lend against current market value of the asset with vacant possession

  • £7,500,000
    help You cannot exceed the maximum loan available based on the maximum LTV for the corresponding type of property selected above
  • 75%
    help You cannot exceed the maximum LTV available for the corresponding type of property selected above


  • 0
  • help Term should be entered in whole months, to a maximum of 12

  • help Deducted interest is where the forecast interest amount is deducted from the loan on day one.
  • help Serviced interest is where the interest is paid on a monthly basis. If serviced interest is chosen, evidence will be required to show your ability to pay interest when it is due.
  • help This is the standard rate for the property type chosen
  • help You can enter a custom rate below our standard rate for the calculation, but the availability of this rate is not guaranteed
Instant Results
Total security value 0
Gross loan amount 0
Gross LTV 0
Interest rate 0
Term (months) 0
Minimum term (months) 0
Assumed arrangement fee @ 2% (min £2,000) 0
Interest Retained 0
Monthly Serviced Interest 0
Admin fee 0
Indicative day 1 Net loan advance 0
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Is There a Cap on Bridge Loans East London Vales?

There is no cap on bridging loans, but most lenders will offer up to 70% or 75% of the purchase value. If your development is higher risk, you will need a more substantial deposit up to 50% of the bridging loan cost.

The higher property values in London do, therefore, mean that you will usually need a larger deposit to finance the same proportion of your property purchase or investment project.

You can get 100% Loan to Value bridging loans in England, although will usually need to provide additional security to mitigate the lender's risk.

Bridge loans at 100% LTV are rare and will depend on the viability of the project, the stability of your exit strategy and other eligibility criteria.

How Can I Find the Lowest Rates on Bridge Loans East London?

To get the lowest interest rates, you need to demonstrate that your application is low risk. This applies throughout the UK, and to all bridging lenders in all the major cities as well as those in more rural areas.

Applicants who meet the below criteria present the most compelling lending propositions:

  • Good exit strategy - if you can prove that you have a plan in place to pay back the loan, and this is viable and quantifiable, you're in a good position. For example, if you plan to sell your development and have an anticipated valuation, or will remortgage and already have an agreement in principle.
  • Clean history score - bad credit is always a risk factor, so if you have a good credit rating and no history of adverse credit, your application will be looked at favourably.
  • Development experience - if you have completed projects of a similar nature before, and made a profit, a lender will be more confident that you will repay the loan and turn the development around within your expected timescales.

Can I Get a Bridging Loan for an Overseas Property Purchase?

You can, but there are fewer UK bridging loan lenders who will consider financing an international investment.

The most common scenario is where you use a UK asset or property as security to take out the loan, and then use the cash raised to purchase your overseas investment.

In terms of the exit strategy, you could remortgage the overseas property through an international mortgage provider, sell your UK asset to raise the capital, or use another form of a fixed repayment date if the lender accepts that exit strategy.

Which Bridging Loan Companies London Offer the Lowest Rates?

Given the bespoke nature of a bridging finance project, it's impossible to provide accurate rates and fees without looking at the structure of a bridging finance project

For example, a bridging loan to purchase a commercial development, with a mortgage agreement in principle as an exit strategy, is a very different proposal from a bridging loan to buy a residential home at auction.

Lenders also have varying policies and criteria, so it's essential to assess your borrowing needs before identifying the most appropriate lenders.

In the worst-case scenario, you could apply to bridge finance providers who won't be able to help and rack up multiple hard credit checks on your file - making it harder to find approval elsewhere.

Finding the lowest rates is also about constructing a compelling application. This area is a speciality of the Revolution team, who will always ensure your paperwork is comprehensive before we apply on your behalf.

How Can I Find an International Bridge Loan Provider?

If you're looking for fast financing for international investment, whether in Europe or further afield, give the Revolution Finance Brokers team a call.

We work with a vast network of bridging loan providers, including those who specialise in non-standard loans.

Are Bridging Loans East London Available for Buy to Lets?

Indeed they are. You can get a bridging loan for a buy to let property even in more remote areas in Scotland and Northern Ireland.

Buy to let bridging loans usually enable a landlord to snap up a bargain investment property or purchase a portfolio rental residence that requires renovation.

For example, an uninhabitable home wouldn't be valid for a standard buy to let mortgage. However, it could be financed through a bridge loan, with a buy to let mortgage as the exit strategy when the development work is complete.

The upper limit on LTV is likely to be around 75%, so you will need a 25% deposit and can expect to be asked for evidence of your exit strategy, such as a remortgage agreement in principle.

How Can Bridging Loan Brokers London Help With Buy to Let Borrowing?

The critical job of a broker is to find you a better deal at the best possible rates.

Other benefits include:

  • Help to assess the future rental income or property value of your investment project.
  • Negotiating on terms and rates to tailor a mortgage offer to your needs.
  • Provide independent advice on any mortgage decisions.
  • Assistance throughout the process - from comparing like-for-like deals, explaining any requirements, and help to collate paperwork and documentation.
  • Faster application processing, with Revolution consultants on hand to chase lenders and make sure everything is fully compliant for quicker approval.

Particularly with a high-value property market, it's crucial to seek support from an independent buy to let bridging loan broker before proceeding with any applications.

Can I Get a Commercial Bridging Loan Outside of England?

Yes, you can find commercial bridge loan lenders in all UK regions.

Commercial bridging loans are similar for limited companies and Special Purpose Vehicles, with the latter being the trading style most common to bridge loan lenders.

You might be asked to provide personal guarantees from the company directors to secure the lending.

Some lenders will also offer a bridge loan as a second charge.

Expert Help with UK Regional Bridging Loans

As a whole-of-market, independent broker, business finance broker negotiates bridge loans for large and small clients across the UK. Give us a call on 0330 304 3040, or drop a message to [email protected] to get started with your application!

Almas Uddin
Almas Uddin

Founder and Mortgage Advisor

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FCA disclaimer

The content included in our articles, blogs, web pages and news publications is based on information accurate at the time of writing. Note that policies and criteria can change regularly throughout the UK mortgage lending market, and it remains essential to contact the consultation team to receive up to date guidance. The information included on the Revolution Brokers site is not bespoke to any circumstances or individual application scenarios and therefore is not intended to be used as financial advice. The content we share is designed to be informative and helpful but cannot be relied upon to provide individual advice relevant to your mortgage requirements. All Revolution team members are fully qualified, trained and experienced to provide mortgage advice of an independent nature.

We collaborate with lenders and providers who are regulated, authorised and registered with the Financial Conduct Authority (FCA). Should you require specific mortgage borrowing types, some products such as buy to let mortgages may not be FCA regulated. The Revolution team can provide further information about regulated and unregulated lending as required. Please remember that a mortgage is a debt which is secured against your home or property. Your home can be at risk of repossession if you do not keep up with the repayments or encounter any other difficulties in managing your mortgage borrowing responsibly. This also applies to any remortgage or home loan secured against your property, including equity release products.

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