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   £50M   over   periods   from   3   to   24   months.   We   can   also   offer   medium-term   Base   Rate   Tracking   loans   from   2-5   years   duration.   Our   loans are secured on freehold property across England and Wales. You will always speak to a decision maker who will take time to understand you and your situation. For a confidential discussion in the first instance contact us on:   Tel 03332 400 506   Email enquiry@centralbridging.co.uk Online
Central Bridging, 34 Queen Anne Street, London, W1G 8HE 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   £50M   over   periods   from   3   to   24   months. We   can   also   offer   medium-term   Base   Rate   Tracking   loans   from   2-5 years   duration.   Our   loans   are   secured   on   freehold   property   across England and Wales. You    will    always    speak    to    a    decision    maker    who    will    take    time    to understand you and your situation. For a confidential discussion in the first instance contact us on:   Tel 03332 400 506   Email enquiry@centralbridging.co.uk Online
Central Bridging, 34 Queen Anne Street, London, W1G 8HE 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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