Historically Bridging Finance would have been used as a potential last form of finance due to the high costs involved, however, today we are seeing savvy investors use Bridging Finance as a key tool in their investment toolbox. It’s the power of using OPM – Other People’s Money that gets deals done.

Our best clients understand the Power of Leverage – to understand more, call Rory O’Mara direct for a chat

We have funded projects at 100% x Purchase Price & Cost of Works. If the profit margin is strong, we will tailor a solution that fits for all parties.

“I don’t look at the cost of the shovel when digging for gold”

– says one of our more active customers.

Our clients like to work with us because we:

  • Focus on you the client – we want to see you making a profit.
  • Provide fast decisions.
  • Have no hidden small print.
  • Provide transparent costs for valuation, Legals & all associated fees.
  • Explain all costs up front & provide a detailed illustration.
  • Won’t waste your time.
  • Will lend on up to 100% purchase price with additional security.
  • Are experienced at lending and working with investors.
  • Can also shop “whole of market” if we are not the main lending partner

Bridging Finance gives you Leverage and the ability to get deals done quickly. Speed gets results. Fast access to funds can help clinch the deal. That’s our goal, to help investors get deals done quickly.

Contact rory o’mara

Non Status:

We lend on the strength of the property not the investors income or rental income. We like to be aware of these factors but they are not key to our decision making process.

Poor Condition Property:

We will lend on non-mortgageable properties, which many buy-to-let lenders would insist on 100% retention. Bridging finance can help secure the property, complete the refurbishment and then refinance with a traditional lender or sell for profit.

Break the Chain:

In certain situations bridging finance can help secure the perfect investment property for your portfolio.

Buy at Auction:

Speed wins & cash wins, a typical auction will require a 10% deposit on the day with the balance usually due within 28 days (check the auction terms and conditions – sometimes it can be sooner). A bridging loan can often be provided much faster than traditional buy to let finance, especially if the property being purchased is not mortgageable (has no kitchen or bathroom).

Buy Below Market Value (BMV):

To secure a genuine bargain, you need to move fast and often with cash, bridging finance puts you in that position. We can help you secure the Deal quickly and look to refinance to a longer term mortgage often within 6 months of purchase.

Disadvantages of Bridging:

A bridging loan is a short term loan facility usually 1 day – 12 months, we will work with you to identify the right solution to meet your needs, the costs can be high on a bridging loan, so we need to be clear that the loan is fit for purpose.You will often hear the term “Exit Route”, this is the method the borrower will use to repay the bridging loan, we will discuss this strategy with you during our initial discussions. A “Exit” can be a sale of the property or refinance to a longer term mortgage, e.g Buy to Let Mortgage.

Call: 08456 440 911 for a tailored illustration for your project today.

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