Residential Property Development Finance
Bridging Loans
Bridging loans can be an essential tool in any property buyer or developer’s arsenal. A bridging loan is a reliable, short-term financing option to complete a deal, secure long-term funding or to allow various processes to complete. Put simply, a bridging loan is there to provide short-term financing to ‘bridge the gap’ when a person or company needs more time or an injection of finance.
Depending on your situation, such as how much equity you have access to, you could borrow anywhere between £150,000 and £3 million, secured against the property. Generally, the maximum amount you can borrow, including interest, is limited to around 70% LTV. However, a bridging loan is not tied to your income. You can apply for either an open or closed bridging loan. Open bridging loans have no fixed repayment date and are repaid when your long-term financing becomes available. Closed bridging loans have a fixed repayment date which is usually decided based on when your funds become available. Although they offer less flexibility, closed bridging loans are often cheaper as they represent less risk for the us.
Over the last decade, Hunter Finance have lent more than £75,000,000 to developers of over 350 projects across the South East, helping our clients take action on profitable opportunities and access outstanding returns on their investments.
What do we look for in our Bridging Loan customers?
We provide bridging loans from £150k – £3 million which can be used for short term financing for developers of all sizes across the South East of England including London, Hampshire, Sussex, Surrey, Kent and the surrounding areas. It doesn’t matter if you’re a first-time developer or you have a portfolio of properties, we love working with ambitious developers who have exciting commercial or residential projects. Our Bridging Loans are used to keep your development on track and let you see it through to completion.
- We value customers who know what they need and have a clear plan for the use of the funding, as well as a strong exit strategy:
- We’ve worked with more than 500 property developers
- We have funded over 800 new build properties
- Our fast finance has helped clients achieve a profit of over £50M
- Provided finance to over 150 first time developers
We have provided development finance for first-timers and large property development companies for over a decade and pride ourselves on offering competitive interest rates, and a fast, professional service to our clients.
- Private individuals or first-time developers
- Property or SME construction companies
- Real estate and commercial developers
No hidden costs: No brokers or upfront fees & no initial commitment.
If you’ve uncovered a property project and investment opportunity, then we want to hear about it!
Bridging Loan Lending criteria
We offer bridging loans and development finance solutions from £150k - £3 million which can be used for short term financing. We love working with developers of all sizes.
Lending Criteria
Bridging Loan Lending process
It's easy and fast, so you can concentrate on your project. As an independent finance provider, we give faster decisions and often release funding on the same day as the valuation.
Lending Process
Our Customers
We provide bridging loans to experienced and first-time developers across the South East of England.
How much do we lend?Stop Searching For Finance, Start Building
No Delays
Decisions in 24 hours, every project considered including complex cases.
Loans that cover all costs
Access to 100% development finance for build costs.
One loan
Purchase, build loan and interest rolled up. No monthly repayments.
No hidden costs
0% brokers fees, zero upfront fees, zero initial commitment.
Securing land
LTV land purchase (up to 60% loan to value on acquisition).
Accessible to first-time developers
Exclusive products and competitive fees for first time and inexperienced developers.
How do Bridging Loans work?
We strive to provide affordable funding to all projects that we believe in. We understand the urgency of bridging loans. We’re not like banks and other lenders. Because we’re independent, we can approve your bridging loan application quickly. Typically, the whole process for a bridging loan can be completed in 7-10 days. In many cases however, you’ll be able to get a decision on your application within 48 hours. We include all the fees and interest into one sum, which is repaid upon the refinance of the development or after a fixed term, depending on the type of bridging loan you’ve taken with us. There are no upfront application for broker fees. We work directly with you. There’s no middle-men and no brokers to slow the process and increase costs. By approaching us directly, you’ll save thousands on your bridging load and increase your profits.
Monthly interest rates tend to hover between 0.4% and 2%. This equates to roughly between 8.5% and 27% APR. However, this can change depending on the base rate. Don’t hesitate to get in touch with us to find out more. We have 10+ years of experience: Hunter Finance doesn’t just lend money. Our dedicated partnership teams are here to give you the tools, guides and legal support every step of the way from start to finish of your project. We have a proven track record for providing bridging loans, just ask our satisfied customers.
When we say “Yes” we mean it
- Quick and easy loans: we make the decision to offer loans in less than 48 hours.
- No broker fees: clients save money by dealing with the lender directly. There are no brokers or middlemen slowing down the funding process. You will save thousands in fees, increase your profit at the end of the development
- We have 10+ years of experience: Hunter Finance doesn’t just lend money – our partnership teams are on hand to give you the tools, guides and legal support every step of the way from start to finish of your project. We have a proven track record.
- No upfront application fees
Explore Alternative Funding Options
Pre-completion Loans
Pre-completion finance loans for property developments that are very close to completion.
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Equity Finance
Equity finance for property developers in return for a share of the development’s profit.
View
Exit Finance
Exit finance is used to repay outstanding development finance so that it's ready for sale.
View
Development Finance
Development finance for private residential property developments in the South East UK.
ViewWhat Our Developers Have To Say
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