bridging finance:
as the name suggests, a short-term loan designed to ‘bridge’ a financial gap.
In essence, bridging finance helps to get you from A to B. It’s often a popular option if you are in the process of securing a property, or you have a tight deadline to meet on a renovation – bridging allows you to act quickly!
When it comes to bridging finance, there are two types of common loans: regulated and unregulated. A regulated bridging loan is typically used by homeowners who are short of funds, usually down to delays. On the other hand, unregulated loans are typically aimed at property developers that have a tight turn-around, and they need to ‘bridge’ the gap.
With the amount of bridging loans available in the market, it can seem overwhelming to find the right option for you. Here at Signature Mortgages and Protection, we pride ourselves on sourcing the best deals around. We get to know you, and your personal circumstances, so that we can offer a helping hand to find the right solution for you in the long run.
regulated:
when might you need a regulated loan?
If you need to break a chain in order to purchase your new home, or you’ve seen your dream property at an auction and need funds quickly, then a regulated bridging loan is the option for you. The bridging product will be put in to place prior to selling or having an offer on your current home. This will allow you to go ahead with the purchase of your new home without having any delays that could put your new purchase in jeopardy.
unregulated:
would an unregulated loan be suitable?
If you’re an investor wanting to buy a property at auction to rent out, or you’re purchasing a property with the aim of completing some refurbishments to the property to improve the EPC ratings, then an unregulated bridging loan is what you’ll need.
When purchasing a property at auction, set timeframes will need to be adhered to, meaning a speedy completion date will need to be met. Bridging finance offers a quicker alternative to keep you on track.
This way of purchasing investment properties allows landlords to utilise any increased property value in order to draw down further funds for future projects.
meet the team:
We’re not afraid to say, we’ve got the best mortgage advisers on the block. We’re not only exceptionally streetwise and know the industry inside out, we’re dedicated to find the perfect product for you. With a real passion for delivering exceptional service and developing a long-lasting relationship; we’re here for the long run, to offer a helping hand at each and every step of the way.
get in touch:
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Registered in England and Wales
Signature Mortgages and Protection Limited is an appointed representative of PRIMIS Mortgage Network, a trading name of Advance Mortgage Funding Limited. Advance Mortgage Funding Limited is authorised and regulated by the Financial Conduct Authority.
The guidance contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK
Registered office address – 8 Ridgehouse Drive, Festival Park, Staffordshire, ST1 5SJ
Registration number – 07041169
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