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Residential Bridging Loans
At KSEYE, we provide tailored residential bridging loan solutions for clients who need fast access to short-term finance. From purchasing a new home before selling an existing one, funding renovations, and resolving time-sensitive property transactions, our residential bridging loans are designed to bridge the gap with speed and certainty.
What is a residential bridging loan?
A residential bridging loan is a short-term property bridging finance solution designed to help individuals purchase or refinance a residential property when timing is critical. It’s often used to “bridge” the gap between buying a new property and selling an existing one, or to unlock funds quickly while longer-term financing is arranged.
These loans are typically secured against the property and can be arranged much faster than a traditional mortgage, often within days.
| Rates From | LTV | Minimum Loan | Maximum Loan | Term (months) | Minimum Valuation | Arrangement Fee |
| 0.89% | 65% | £150,000 | £50,000,000 | 3-12 | £250,000 | 2% |
| 0.94% | 70% | £150,000 | £50,000,000 | 3-12 | £250,000 | 2% |
| 0.99% | 75% | £150,000 | £50,000,000 | 3-12 | £250,000 | 2% |
Why Choose KSEYE?
Since 2012, we’ve been assisting property owners, investors, and landlords in accessing funds quickly and efficiently. We offer residential bridging loans from £150,000 to £50 million, with interest rates starting from 0.89%. Our fast response times (typically within 24 – 48 hours) and commitment to service have helped many clients complete residential purchases faster than would be possible through traditional financing routes.
When a residential bridging loan may be suitable
From purchasing a primary residence to expanding a buy-to-let portfolio, our expert brokers work closely with eligible borrowers to source the right financial solution. Our residential bridging finance is commonly used for:
- Purchasing a new property before selling an existing one
- Securing a property at auction
- Funding refurbishment or conversion works
- Releasing short-term capital
- Managing delays in long-term financing
- Assisting with probate purchases or lease extensions
Frequently Asked Questions
What property types can Residential Bridging Loans be used for?
Our residential bridging finance can be used for a range of properties, from a single buy-to-let unit to more specialist property types, including:
HMOs (Houses in Multiple Occupation): Whether it’s a small or large HMO, our residential bridging loans support investments for a range of HMO properties.
MUFBs (Multi-Unit Freehold Blocks): Unlock the potential of multi-unit freehold blocks with our flexible financing, which is suitable for property portfolios and investment ventures.
New builds: From investments in new build properties to funding development exits, we can support your clients with newly built properties.
Grade II listed buildings: Our bridging loans can be secured against Grade II listed buildings, allowing investment in and restoration of these properties.
Holiday lets/Airbnb:
Ex-local authority properties: Our bridging loans extend to ex-local authority properties, broadening potential investment opportunities.
What is the difference between Regulated and Unregulated Bridging Loans?
Unregulated residential bridging loans are available for properties that serve as investments, rather than as the borrower’s primary residence. At KSEYE, we specialise in unregulated bridging loans.
Regulated bridging loans are tailored to borrowers who intend to occupy the property as their primary place of residence. We are unable to offer regulated bridging loans.
Who is eligible for a Residential Bridging Loan?
Our residential bridging loans offer financial solutions to a diverse range of borrowers.
Companies and individual borrowers: Residential bridging loans meet the needs of both companies and individuals, including investors, developers, business owners and more.
Offshore structures and non-UK residents: Our residential bridging loans are available to non-UK residents and offshore limited companies, as long as the property they want to secure the loan against is based in England & Wales.
Property location: Our residential bridging loans can be secured against properties located in England and Wales.
Applicants with imperfect credit histories: We consider applicants with adverse credit issues. Our underwriting process considers an applicant’s credit profile, with loan approval subject to underwriter and credit assessment. This approach allows us to lend responsibly while providing funding opportunities to a wider range of borrowers.
How long does it take to receive funds with a Residential Bridging Loan?
KSEYE can deliver funds within a matter of days. We respond to enquiries by issuing underwritten indicative terms within a few hours. An Agreement in Principle (AIP) will be issued within 24 hours of completing our application form.
Our streamlined approach ensures your client receives the necessary funds as quickly as possible, meeting any deadline that they might have.
What information do I need to apply for a Residential Bridging Loan?
When initiating an application for residential bridging finance, we will need the following information to commence the process. This information includes, but is not confined to:
- Loan purpose
- Address the loan is secured against
- Property tenure
- Type of charge
- Property use
- Estimated property value
- Loan exit details
- Client details
How can I apply for a Residential Bridging Loan for my client?
At KSEYE, we work with you at every stage of the application process. Whether your client is a first-time buyer or an experienced property investor, we are here to help.
Contact your BDM to discover how we can support you or your client. Alternatively, you can complete our enquiry form to submit an enquiry today.