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HMO BRIDGING FINANCE

MS Lending Group provides HMO Bridging Finance, our tailored solutions empower property landlords, investors and developers in the fast growing popularity of House in Multiple Occupation (HMO) investments.

Why Choose Us for Your HMO Bridging Finance?

At MS Lending Group we provide speed and efficiency, recognising the time sensitivity of property transactions, especially in the context of HMO finance. Our streamlined application process and efficient approval system ensure you receive the funds you need promptly.

 

As all HMO projects vary in scope and size we offer tailored terms that benefit from flexible terms that allow you to customise repayment schedules and structures based on your project's unique requirements. 

 

Our competitive interest rates provide you with cost-effective financing to enhance the profitability of your HMO projects, making us a great choice for HMO finance. Plus, we offer both HMO development finance and HMO commercial finance depending on your specific situation and requirements.

 

We also offer expert guidance that helps you when navigating the HMO market, with experienced professionals who provide guidance and support at every step of the way. It doesn't matter if this is your first time availing of HMO finance or if you're a seasoned investor, we've got you covered.


At MS Lending Group we value transparency as we believe in transparent open communication. Our commitment to honesty means you can rely on clear terms without hidden fees or surprises, a key factor in successful HMO bridging finance.

How to Start your HMO Investment Journey

The first step is to get in touch with us at MS Lending Goup today to arrange a consultation to discuss your project and financing needs with our expert team. 

The second step for you is to complete our application process for an eligibility assessment. Once this is approved all that's left to do is finalise the terms and receive funds in a timely manner for your HMO finance needs.

 

Our efficient speed allows you to put your HMO bridging finance to work normally within a few days, allowing you to bring your investment plans to life with the help of our specialised solutions.

 

Don't let financing constraints limit your potential, partner with MS Lending Group and unlock the power of our HMO bridging finance solutions, today.

  • What is a Residential Bridging Loan?
    A bridging loan is a short- term financing option used to help bridge the gap between the purchase of a new property and the sale of an existing one. They are generally used to help complete quickly in the property market. A bridging loan is designed to provide immediate funds. This can be to cover immediate expenses, such as the down payment on a new property, while waiting for the proceeds from the sale of the current property, or to help acquire a property in a busy market. With a quick application process and a shorter repayment period, bridging loans are a convenient solution for clients in need of temporary and fast funding to facilitate a smooth transition during property transactions.
  • Why Do I Need a Residential Bridging Loan?
    A bridging loan is of benefit if you need money quickly, if you want to pose as a cash buyer to gain an advantage in the property market, if you purchase a property at auction but cannot get the funds ready on time. A bridging loan can also help facilitate and improve a property before remortgaging onto a long term regulated mortgage. If a customer has adverse credit, and may need 12 months to improve their credit, a bridging loan is often a good solution.
  • How Much Does Residential Bridging Finance Cost?
    Bridging finance rates depend on the loan to value, customers credit and the property type. To get started, contact our team and we'll get back to you within 24 hours with an agreement in principle.
  • How Does a Residential Bridging Loan Take?
    We can complete in as little as 48 hours from enquiry to completion. Bridging loans are usually arranged within 24 hours and come with flexible repayment options so that repayments fit around your lifestyle and budget. The interest rate varies depending on many factors including how much money has been borrowed and how long the loan lasts for.
  • Is an Exit Strategy Required on Application?
    An exit strategy is always required before committing to a bridging loan. It is important the lender knows how you plan to repay the finance whether this is through a sale or a longer term refinancing option.
  • What is a Bridge to Let Loan?
    A bridge to let loan is aimed specifically at the buy-to-let market. The loan is often used to secure the property whilst works are carried out or until a long term buy to let regulated mortgage is put in place.

OUR PRODUCTS

RESIDENTIAL PURCHASES

Up to 75%

Residential Purchase Bridging Loan – Up to 75% 

SEMI COMMERCIAL

Up to 70%

Semi Commercial Bridging Loan – Up to 70% 

RESIDENTIAL CAPITAL RAISE

Up to 70%

Residential Capital Raise Bridging Loan – Up to 70% 

COMMERCIAL

[ EXCLUDING LAND ]

Up to 65%

Commercial Bridging Loan, excluding Land – Up to 65% 

HMO’S

Up to 70%

HMO's Bridging Loan – Up to 70% 

LAND

Up to 50%

Land Bridging Loan – Up to 50% 

NO MINIMUM LOAN SIZE

MAX LOAN £3 MILLION

12 MONTHS AS STANDARD

18 MONTHS ON REQUEST

2ND CHARGES AVAILABLE

NO VALUATION

ON LOANS UP TO £500,000 ON RESIDENTIAL COMMERCIAL AND SEMI-COMMERCIAL PURCHASES.

DESKTOP VALUATION

ON LOANS UP TO £2 MILLION.

SUBJECT TO INTERNAL REVIEW

RESPONSIVE, RELIABLE & FLEXIBLE

NO Minimum Bridge Term   •   2% Arrangement Fee   •   Exit Fee - 1 Month Interest

APP FORM

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