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RESIDENTIAL BRIDGING FINANCE

Fast, flexible, reliable finance

At MS Lending Group we pride ourselves on providing fast, flexible and reliable short term property finance. We don’t work with tick boxes; we evaluate each deal on a case-by-case basis. We provide an agreement offer in principle from just a few hours, as well as direct access to decision makers. 

We are certain that we can help you succeed, reach your residential goals and guide you through the process. You can feel confident that our speedy, secure services for residential bridging finance is the right service for you.

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, generally used to help compete quickly in the property market.

 

A bridging loan is designed to provide immediate funds, so it is important to us that we offer fast turnaround for our clients. 

What a Residential Bridging Loan Can Be Spent On

While residential bridging finance can be spent on purchasing a property, and this is typically the primary use, there are unique circumstances that apply to each client whenever immediate finances are necessary.

 

Some of these circumstances may include, but aren’t limited to the following:

 

  • Property Renovations: Quick funds may be necessary if there are emergency renovations needed prior to securing a more long term financial solution, if this is the case then a residential bridging loan can be helpful. 

  • Supporting a property chain: If you’re running a property chain, it is crucial that there are no breaks. If there is a risk of a break, residential bridging loans can help in supporting it so it can continue.

  • Residential Auctioning: Auction purchases of property are highly popular, and there is likely to be a down payment required right away, a bridging loan can do this for you.

  • Buy to Let Investments: Buy to let is a common reason to take out bridging loans for residential property, it can help in reactiveness for purchasing a suitable property before a longer term financing solution is found. 

  • Equity Release: Another use of a residential bridging loan is for those that want to release equity from their property quickly. 

  • Remortgaging: We can help in facilitating and improving 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, due to this, a bridging loan is often a good solution.

The bottomline for all bridging loans for residential property is that it is access to funds fast, which is precisely what we do day in, day out.

 

With a quick application process and a short 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 Choose Ms Lending Group for Residential Bridging Loans

So, why choose us?

 

At MS Lending Group, we offer nothing but the best quality service, allowing you to trust in us for big moves in the real estate industry. 

 

Our fast reactiveness makes taking out a residential bridging loan as quick and seamless as possible for the best possible outcome in your favour.

 

We have countless cases that show our expertise as a residential bridging finance provider, and we are sure you can invest with confidence alongside us at MS Lending Group.
 

  • 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 Long 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.

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

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