Bridging Loans & Finance

Fast non-status bridging loans from Charterbank are available to help with your short-term bridging finance needs.

Whether you are looking for finance to secure a property purchase or raise a loan secured on an existing property, Charterbank can provide fast, non-status loans in the shortest of timescales tailored to suit almost any situation, particularly if you’re hampered by adverse credit.

• Products from 3–12 months • Immediate decisions • Up to 65% (net) LTV • Ltd Companies accepted • Self cert non status loans • No monthly interest payments • No upfront fees • No exit fees • No penalties • No red tape

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Loan Type:
AuctionBridgingDevelopmentRefurbishmentBusinessFarmingAgricultural Land

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How do bridging loans work?

A bridging loan works by allowing you to raise a fast, short-term loan secured against a property. This is similar to a mortgage, but the term of a property bridging loan is shorter than a mortgage. A typical loan is usually for a period of between 3 to 12 months.

The property to be used as security for the loan may be a property that you already own, or a property that you are buying or need to buy very quickly.

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Common scenarios

Common bridging finance scenarios are raising a fast loan for business cash flow purposes, using bridging finance to repay another loan or to repay existing bridge finance, raising bridging finance to buy a property in bad or un-mortgageable condition or to purchase a property with structural problems.

Bridging loans are used to allow property developers to compete with cash buyers or to buy property at auction, this is because bridging finance is provided in very short timescales and is suitable for properties in any condition.

How can bridging finance be used?

Bridging finance can be used to allow you to purchase a new property in situations where a traditional mortgage cannot be obtained or would take too long. It can also be used to allow you to borrow money quickly if you have a suitable property to use as security for the loan.

Whether you are looking for bridging finance to buy a property in poor condition, purchase or raise a loan secured on an existing property, Charterbank can provide a fast, non-status bridging loan in the shortest of timescales tailored to suit almost any situation.

Is a bridging finance for you?

A bridging loan or finance from Charterbank can be obtained even if you have bad credit, adverse credit, CCJ’s or if you have been discharged from bankruptcy. The decision-making process for Charterbank providing a bridging loan is based on the property that you are buying or using as security and not the credit status or credit score of the borrower.

Find out more information on common loan scenarios.

You can contact us for an informal discussion about your finance requirements. Or click here to apply for a bridging loan.