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Oakmead Finance Ltd

Capital and Debt Advisory

Home Bridging Loans Service

Bridging Loan

  • Decisions in principle available within 1 hour
  • Rates from 0.44% p/m
  • Multiple drawdown revolving facilities available (subject to security)
  • Specialist high-value team for £1m + bridging loans
  • Specialist bridging loan facilities available for developers/investors (subject to security).
  • Up to 100% ltv (subject to security)
  • £100,000 – £20m loans available.

Types Of Bridging Loans

Commercial

Commercial

A commercial bridging loan is short term loan secured against a commercial property. They can be against any type of commercial property and are a fast way to release equity in or help purchase a commercial property.

Development

Development

Bridging loans are a quick and flexible way to borrow money regardless of an existing mortgage charge. They look at the underlying security, what you intend to use the money for and their exit. As such, they can be secured by a 2nd or 3rd legal charge.

Regulated

Regulated

Unlike most commercial finance brokers Oakmead finance is authorised and regulated by the FCA meaning we can conduct regulated bridging loan where a bridging loan is secured against your home residency.

Refurbishment

Refurbishment

Where a property is being purchased and needs either cosmetic (light refurb) or more in-depth structural changes (heavy refurb) a bridging loan is a fastest and simplest way of providing the funds required to complete the work.

Development 2

Development

Short term property development bridging loan finance for residential or commercial developments. They can include or exclude the initial land or property purchase and the loan is released in stages throughout the build.

Residential

Residential

Residential bridging loans are a quick and easy way to either release equity tied up in the property you live in, another property you own or to help fund a new property purchase where you cannot wait for a traditional mortgage.

Developer

Developer

If you are a developer accessing cash is vital to securing opportunities. Our developer bridging loans offer a revolving credit facility to draw down as and when you need without waiting for a decision or formal offer.

Auction

Auction

Auctions require you to complete within 28 days of the auction sale which is too short a time frame for a traditional mortgage to be arranged. Auction bridging loans allow you to purchase at auction while a more traditional mortgage is agreed.

Other assets

Other assets

Bridging loans don’t have to be secured against property. Any asset with a value can be considered. Cars, paintings, watches, precision metals and fine wine are all examples of the assets that we have arranged fine secured against.

Uses Of Bridging Loans

  • To enable quick purchases (residential, commercial or land)
  • Short term business/ cash flow funding
  • Property refurbishments/developments
  • Property auction purchases
  • Paying HMRC bills
  • Re-financing existing bridging loans
Uses Of Bridging Loans 2
Uses Of Bridging Loans 3

Typical Criteria

  • Rates from 0.44% per month.
  • Interest can be retained, rolled or serviced.
  • Up to 100% LTV available (subject to additional security).
  • Terms from 1-24 months.
  • Loans from £100k to £20m.
  • 1st, 2nd or 3rd charge lending.
  • 2% arrangement fees.
  • No early repayment or exit fees.
Typical Criteria

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Required Information

  • Loan size required
  • Use of the funds/reason for the lend
  • Address and description of the property(ies) on offer as security
  • Estimated value/purchase price of the property(ies)
  • Details of any current loans secured against the property(ies)
  • Loan term required
  • Proposed exit (repayment of the bridge)

Free Consultation