The best bridging loan rates in the UK

There are hundreds of lenders in the bridging loan market, offering products that cover almost every circumstance possible.

Specialist Hub is one of the longest established companies in bridging finance. Our expert staff will help to guide you through the bridging loan market maze to ensure your client obtains the very best deal possible.

We can arrange your client's bridging loan in a matter of days and completions can be achieved within 48 hours where the property is already owned. In most cases we can issue an 'Indicative Offer' within one hour.

Our bridging loans can be used for any legal purpose. The most popular reasons for borrowing are:

Bridging for property renovation and restoration
If your client is looking to purchase and restore a run down residential or commercial property, we have short term bridging loans to suit every circumstance. Up to 100% of the purchase price is available in some cases and funds can be made available to assist with the renovation.

Regulated Bridging Loans
We all know someone who has lost a property purchase due to a chain collapsing, meaning the loss of money on survey and legal fees. If your client finds themselves in this situation when moving home, we can help them to complete their purchase.

We are authorised by the FCA and can provide the advice to your customer if you do not feel comfortable in doing so. If you wish to provide the advice, our role is to compare the bridging loan market, source quotations from the many bridging lenders that provide regulated bridging finance and process the case to completion. This will allow you to advise your client in confidence with all the information you need.

Buy-to-Let Bridging Loans
If your customer is purchasing a Buy-to-Let property at undervalue, a bridging loan from Specialist Hub could be the solution. We have lenders that lend on the open market value, not the purchase price, meaning your client can borrow to a very high Loan to Value.

We can also offer medium term loans that have a much lower rental coverage requirement than mainstream Buy-to-Let mortgages. As little as 90% rental coverage is accepted in many cases.

HMO Bridging Loans
We have a whole range of short and medium term bridging loans available for Houses in Multiple Occupation, or HMO's. If your client is purchasing undervalue or the security needs refurbishment to make it acceptable for a long term mortgage, a bridging loan is the place to start.

Auction purchases
An auction purchase will often allow your client to purchase an absolute bargain. With the requirement for the purchase to take place within 28 days of the auction, a bridging loan is often the best way to achieve this, especially if the property needs repairs or a complete refurbishment.

Capital raising where funds are required urgently
On occasions your client will need to raise money quickly using the equity in their residential or commercial investment property. Whether it's a cash-flow problem, special purchase or to pay a VAT or tax demand, a bridging loan can be the solution, with funds available in as little as 48 hours.

Short term second charge bridging loans
One of our most popular products. If your client already owns a property with a mortgage outstanding and needs to raise short term finance quickly, a second charge bridging loan is often the answer.

This is especially true if your client does not want to repay their existing first charge.

Call the short term finance specialist today!