Bridging Loans in London
- Loans up to £50 million
- On the same day that you apply, receive an Offer in Principle (OIP)
- Simple lending
- No unnecessary fees
- Quick payments
- 24-month loans that are suited to your needs
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Access Capital When You Need It
It can take several weeks to underwrite a conventional loan or mortgage. But thankfully, our expert brokers excel at helping homeowners, developers and landlords find and secure bridging loans in London. Bridging finance provides a uniquely fast and effective way of getting access to cash. You can secure funds within a matter of days. That way, you do not have to miss out on amazing investment opportunities.
At AptPay, we do not believe that your future finances should be defined by your credit history. Unlike traditional banks and lenders, we consider a range of loan applications and never carry out automated credit checks. This means that we can help you secure a specialist loan even if you have poor credit, CCJs or a history of late payments. We have built strong relationships with the UK’s leading lenders, allowing our professional brokers to find you the best bridging finance loans in London and beyond. For a no-obligation chat, get in touch with our brokers today.
Our Packages
With years of experience under their belts, our bridging finance brokers in London specialise in securing your financial freedom. Whether you are looking to buy a new home for yourself and your family, invest in a buy-to-let property or purchase a development site, we can talk you through your options and help you find the right short-term finance solution. Instead of using an algorithm, we always assess loan applications on a case-by-case basis to match you with the perfect lender.
The London property market offers a wealth of attractive investments. To avoid losing out on a once-in-a-lifetime opportunity, simply arrange to see one of our experts in our London office today.
Our Solutions
We understand that when you need capital, you need it quickly. To help you take control of your financial future, we are proud to offer financing solutions for the following areas:
Residential
Whether you are just getting on the property ladder, refinancing or refurbishing your home, we can help you secure flexible short-term financing.
Rates: Variable
Value: Borrow up to £50 million
Terms: From 1 – 24 months
LTV: Up to 75% LTV
Fees: No hidden fees
Development
Generating funds for a development project has never been easier than with our flexible financing options.
Rates start from: 0.65%
Value:Up to £50 million
Terms: From 1 – 24 months
LTV: Up to 65%
Fees: No hidden costs
Commercial
Even in time-sensitive situations, we can help you access the capital you need to complete purchases and operations.
Rates start from: 0.65%
Value: Up to £50 million
Terms: 1 – 24 months
LTV: Up to 65%
Fees: No hidden fees
APR In London
Depending on your lender and the terms of the loan agreement, the annual percentage rate (APR) basis in London will vary. In some cases, a variable rate may be offered at a lower starting rate as opposed to a fixed rate. It is worth noting that with variable rates, repayments may increase at a later stage of the agreement. That is why it is best to discuss your terms with a professional. Our advisers can help you weigh your options and choose a loan that suits your pocket.
Why Choose Us?
If you sit around and wait for traditional finance to come in, you run the risk of a fantastic investment opportunity disappearing. The good news is that with us by your side, you can access capital quickly to seize these time-sensitive opportunities. Over the years, we have assisted homeowners, landlords and developers in securing tailored loans. When you choose us, you will benefit from:
Market Knowledge
Instead of dealing with a robot, our knowledgeable brokers are on-hand to provide you with their expertise.
Loans Up To £50 Million
With our connections, you can access high-value bridging finance in London.
Quick Payments
You can receive your loan in a matter of days.
Low Rates
Depending on the type of loan you need, you can get rates as low as 0.65%.
Comprehensive Support
Sit back and relax whilst we take care of the paperwork and find you a good deal.
FAQ
What is a bridging loan exactly?
In a nutshell, it is a type of short-term finance that allows you to borrow money against the equity you have in a property. This bridges the gap until a long-term financing solution is found.
Why do people take out bridging loans?
Generally, people take out bridging loans when they need to get capital quickly. For example, if they need money to buy a new house before selling their current home.
Are there any risks?
As with any other form of finance, there are a few potential risks you should consider, such as:
- Not being able to keep up with repayments
- Exposure to legal claims if you stop making the required payments
- Breaching the terms of your loan
- The exit strategy failing
What are the disadvantages and advantages?
The main advantage of bridging loans is that you can secure funds in just a few days. Another upside is that you can get a loan regardless of your credit history. Not to mention, you can borrow up to £50 million depending on your circumstances.
However, it is worth noting that the interest rates for bridging finance are relatively higher. If you are concerned about whether you will be able to make your repayments, speak to one of our friendly brokers today. We can help you secure the best possible rate.
How can I secure a bridging loan?
To secure finance, you will need to put your property up as security against the loan. Our talented brokers can help you determine whether bridging finance is the right option for you.
How do you pay back a bridging loan?
You will need to make interest payments every month throughout the term of your loan agreement. Alternatively, you can arrange to add your interest to the lump sum you repay at the end of the term.
How long does it take to arrange it?
In some cases, bridging loans can be secured within just a couple of days. Ultimately, it will boil down to your circumstances and the type of loan you are looking to get.