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Lite Bridging Loans
At KSEYE, our lite bridging range provides fast, simplified short-term finance for lower-risk property transactions with minimal complexity. Designed for professional landlords and property investors purchasing residential, mixed-use, and commercial properties in key UK regions, our lite bridging product offers a quick path to funding.
Our dedicated Business Development Managers are available to talk you through this new product range and how your clients can benefit from it.
What is a Lite Bridging Loan?
A lite bridging loan is a short-term finance product designed for lower-risk property transactions, typically those that don’t involve structural refurbishment or high LTVs. It offers faster processing, fewer documents than standard loans (often limited to ID, property details, and a clear exit strategy) and is typically used for straightforward cases that don’t require complex underwriting.
These loans are suited for experienced borrowers purchasing or refinancing standard properties, residential, mixed-use, or commercial, without major refurbishment plans or unusual circumstances.
Our lite bridging range is available for properties located in London, the Home Counties and major UK cities, and is designed to deliver speed and efficiency without compromising reliability.
Lite Bridging Rates
Resi-Lite
| Rates From | LTV | Minimum Loan | Maximum Loan | Term (months) | Minimum Valuation | Arrangement Fee |
| 0.74% | 65% | £150,000 | £2,000,000 | 3-12 | £250,000 | 2% |
| 0.74% | 70% | £150,000 | £2,000,000 | 3-12 | £250,000 | 2% |
| 0.74% | 75% | £150,000 | £2,000,000 | 3-12 | £250,000 | 2% |
Mixed Use-Lite
| Rates From | LTV | Minimum Loan | Maximum Loan | Term (months) | Minimum Valuation | Arrangement Fee |
| 0.89% | 65% | £150,000 | £2,000,000 | 3-12 | £250,000 | 2% |
| 0.99% | 70% | £150,000 | £2,000,000 | 3-12 | £250,000 | 2% |
Commercial-Lite
| Rates From | LTV | Minimum Loan | Maximum Loan | Term (months) | Minimum Valuation | Arrangement Fee |
| 1.05% | 65% | £150,000 | £1,500,000 | 3-12 | £300,000 | 2% |
Why Choose KSEYE?
Our lite bridging loans deliver fast, reliable bridging finance tailored to the needs of property professionals. We work closely with lenders and borrowers to deliver straightforward funding solutions, even under tight deadlines.
- We offer loans from £150,000 to £2 million
- Terms from 2 to 18 months
- Decisions typically within 24 – 48 hours
- Direct access to dedicated underwriters and BDMs
- Transparent terms and a practical approach to complex cases
Areas We Cover
Home Counties
Bedfordshire
Berkshire
Buckinghamshire
Cambridgeshire
Essex
Hampshire
Hertfordshire
Kent
Oxfordshire
Surrey
East Sussex
West Sussex
Major UK Cities
Birmingham
Bristol
Leeds
Liverpool
Manchester
Newcastle
Nottingham
Sheffield
Please note that our lite bridging range is only available for 1st charge loans, and is not available for first time buyer/landlords, foreign nationals/expats (UK limited companies accepted), re-bridges, blocks with over 6 units, large HMOs, holiday lets, developer exits, or clients with adverse credit.
Frequently Asked Questions
What is the difference between a Lite Bridging Loan and a standard bridging loan?
Lite bridging loans are designed for simpler lending scenarios, such as purchases or refinancing that don’t involve major refurbishments, unusual property types, or complex borrower circumstances.. They offer faster processing, fewer documentation requirements, and are typically suited to properties that don’t require structural refurbishment or complex underwriting.
What can a Lite Bridging Loan be used for?
A lite bridging loan can be used for refinancing, chain breaks, auction purchases, or time-sensitive acquisitions. Lite loans are not suitable for heavy refurbishments or developer exits.
What happens if I can't repay a bridging loan?
If you’re unable to repay the loan at the end of the agreed term, the lender may take steps to recover the debt. It’s important to have a clear exit strategy in place from the outset, such as a sale or refinancing plan.
We recommend speaking with your broker early if circumstances change during the term.
What does LTV stand for?
LTV stands for Loan-to-Value. It’s the ratio of the loan amount to the value of the property being used as security, expressed as a percentage.
For example, if the property is valued at £1,000,000 and the loan is £650,000, the LTV is 65%.