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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 within 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. 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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