BESPOKE BRIDGING LOAN

& SHORT TERM LENDER

LARGER LOANS FOR

HIGH VALUE PROPERTIES

KNOWLEDGE BASE

High   value   bridging   finance   is   a   specialist   and   technical   market,   encompassing   loans   that   generally   start   from   £1M   upwards   and   are   often   sophisticated   and complex.   Large   bridging   finance   loan   facilities   are   increasingly   being   used   by   High   Net   Worth   individuals.   As   private   banks   and   traditional   lenders   have scaled   back   lending,   especially   where   a   property   requires   substantial   work,   a   small   number   of   bridging   finance   providers   are   still   prepared   to   lend   in   this space. The   Central   London   property   market   is   still   the   source   of   many   larger   bridging   loan   enquiries,   often   with   very   high   value   single   unit   properties   being   offered as   security.   The   number   of   well-funded   specialist   lenders   prepared   to   look   at   deals   up   to   £25M   has   reduced   but   there   are   still   some   with   an   appetite   for these deals. Certain   lenders   in   this   space   have   an   appetite   for   a   particular   class   of   property.   Whilst   rates   on   such   large   deals   can   still   be   quite   competitive,   despite limited   lender   options,   loan   to   values   (LTV)   are   generally   more   restrictive,   reflecting   the   greater   volatility   and   difficulty   in   accurately   valuing   very   high   value properties. Some   lenders   that   operate   in   this   space   tend   not   to   advertise   their   services   and   are   often   backed   by   ultra-high   net   worth   private   individuals   or   hedge   funds. Small   family   offices   are   also   active   in   this   space   but   whatever   the   lender   type   many   will   impose   a   maximum   property   value   above   which   they   won’t   lend.   In this   situation   or   if   a   single   high   value   property   doesn’t   have   enough   equity   to   support   a   loan,   lenders   will   sometimes   consider   cross-charging   against   other assets. Larger   loans   are   generally   available   to   Foreign   Nationals   and   Expats   and   can   also   be   offered   by   some   lenders   in   a   re-bridge   scenario.   They   can   also   be secured   against   high   quality   commercial   and   semi-commercial   properties   as   well   as   residential   ones   although   the   rates   on   commercial   property   deals   are often   marginally   higher   and   LTVs   slightly   more   restrictive.   As   ever   with   bridging   the   key   focus   of   any   reputable   lender   will   be   on   a   well   thought   out   and achievable exit strategy. When   choosing   a   specialist   lender   to   work   with   on   larger   loans   it   is   important   that   as   well   as   being   well-funded   they   can   offer   the   in-depth   financial   and property analysis required to produce bespoke, tailored solutions. Still unsure and need to explore your options? Why not consult an expert? Central   Bridging   are   bridging   loan   specialists   with   a   great   track   record.   We   are   a   principal   lender   offering   a   range   of   loan   facilities   for   business   use   from £250K to £2.5M over periods from 3 to 24 months. Our loans are secured on freehold property across England and Wales. Crucially   you   will   always   speak   to   a   decision   maker   who   will   take   time   to   understand   you   and   your   situation   and   unlike   some   of   the   bigger   banks   will   then tailor a solution that best suits your needs rather than their own. For a confidential discussion in the first instance contact us on:   Tel 03332 400 506   Email enquiry@centralbridging.co.uk Online
Central Bridging, Granary Wharf, Wharf Road, Burton on Trent, Staffordshire, DE14 1DU Tel: 03332 400 506   Email: enquiry@centralbridging.co.uk   Web: www.centralbridging.co.uk Central Bridging is a trading style of Central Bridging Loans Ltd. Registered in England & Wales | Company Registration Number 07728274. Central Bridging is not regulated by the Financial Conduct Authority (FCA). All loans arranged by Central Bridging are non regulated contracts as defined under The Financial Services and Markets (Regulated Activities) Order 2001 and the Financial Service and Markets Mortgage Credit Directive Order 2015. © Copyright Central Bridging Loans Limited Privacy Policy
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BESPOKE BRIDGING LOAN

& SHORT TERM LENDER

High     value     bridging     finance     is     a     specialist     and     technical     market, encompassing    loans    that    generally    start    from    £1M    upwards    and    are often   sophisticated   and   complex.   Large   bridging   finance   loan   facilities are   increasingly   being   used   by   High   Net   Worth   individuals.   As   private banks   and   traditional   lenders   have   scaled   back   lending,   especially   where a   property   requires   substantial   work,   a   small   number   of   bridging   finance providers are still prepared to lend in this space. The   Central   London   property   market   is   still   the   source   of   many   larger bridging   loan   enquiries,   often   with   very   high   value   single   unit   properties being   offered   as   security.   The   number   of   well-funded   specialist   lenders prepared   to   look   at   deals   up   to   £25M   has   reduced   but   there   are   still some with an appetite for these deals. Certain   lenders   in   this   space   have   an   appetite   for   a   particular   class   of property.   Whilst   rates   on   such   large   deals   can   still   be   quite   competitive, despite   limited   lender   options,   loan   to   values   (LTV)   are   generally   more restrictive,    reflecting    the    greater    volatility    and    difficulty    in    accurately valuing very high value properties. Some    lenders    that    operate    in    this    space    tend    not    to    advertise    their services   and   are   often   backed   by   ultra-high   net   worth   private   individuals or   hedge   funds.   Small   family   offices   are   also   active   in   this   space   but whatever   the   lender   type   many   will   impose   a   maximum   property   value above   which   they   won’t   lend.   In   this   situation   or   if   a   single   high   value property    doesn’t    have    enough    equity    to    support    a    loan,    lenders    will sometimes consider cross-charging against other assets. Larger   loans   are   generally   available   to   Foreign   Nationals   and   Expats   and can   also   be   offered   by   some   lenders   in   a   re-bridge   scenario.   They   can also   be   secured   against   high   quality   commercial   and   semi-commercial properties   as   well   as   residential   ones   although   the   rates   on   commercial property    deals    are    often    marginally    higher    and    LTVs    slightly    more restrictive.   As   ever   with   bridging   the   key   focus   of   any   reputable   lender will be on a well thought out and achievable exit strategy. When    choosing    a    specialist    lender    to    work    with    on    larger    loans    it    is important   that   as   well   as   being   well-funded   they   can   offer   the   in-depth financial   and   property   analysis   required   to   produce   bespoke,   tailored solutions. Still   unsure   and   need   to   explore   your   options?   Why   not   consult   an expert? Central   Bridging   are   bridging   loan   specialists   with   a   great   track   record. We   are   a   principal   lender   offering   a   range   of   loan   facilities   for   business use   from   £250K   to   £2.5M   over   periods   from   3   to   24   months.   Our   loans are secured on freehold property across England and Wales. Crucially   you   will   always   speak   to   a   decision   maker   who   will   take   time   to understand   you   and   your   situation   and   unlike   some   of   the   bigger   banks will   then   tailor   a   solution   that   best   suits   your   needs   rather   than   their own. For a confidential discussion in the first instance contact us on:   Tel 03332 400 506   Email enquiry@centralbridging.co.uk Online
Central Bridging, Granary Wharf, Wharf Road, Burton on Trent, Staffordshire, DE14 1DU Tel: 03332 400 506  Email: enquiry@centralbridging.co.uk Web: www.centralbridging.co.uk Central Bridging is a trading style of Central Bridging Loans Ltd. Registered in England & Wales | Company Registration Number 07728274. Central Bridging is not regulated by the Financial Conduct Authority (FCA). All loans arranged by Central Bridging are non regulated contracts as defined under The Financial Services and Markets (Regulated Activities) Order 2001 and the Financial Service and Markets Mortgage Credit Directive Order 2015. © Copyright Central Bridging Loans Limited Privacy Policy
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LARGER LOANS

FOR HIGH VALUE

PROPERTIES

KNOWLEDGE BASE

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