Commercial Bridging Loans

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“Private Finance provided excellent service securing a remortgage for my property even though it was not a straightforward case. They always kept me updated and was on hand to help and deal with any issues arising. Would definitely recommend Private Finance for their services, offering guidance and support throughout the whole process.”

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What is a commercial bridging loan?

A commercial bridging loan is a type of short term finance secured against commercial property. These loans are used to provide fast finance for commercial property transactions or release funds from commercial property.

What do businesses use commercial bridging loans for?

Typically, businesses turn to commercial bridging loans when they need to secure funding for commercial property however a commercial mortgage isn’t suitable. This could be due to timing constraints or specific circumstances, for example; Commercial bridging loans serve as valuable tools for:

Property Acquisitions
Refurbishments
Urgent Cash Flow Requirements

Auction bridging loans
When buying property at auction, bridging loans can offer an effective short-term financing solution. They provide fast access to funds and the flexibility to potentially arrange a mortgage for long-term financing at a later date.
Acquisitions and pre-development
If you’re a property developer, a bridging loan could allow you to swiftly purchase a plot of land, especially when time is of the essence, and you want to outpace other potential buyers.
Additionally, they could be used to fund the acquisition of the property to then later refinance onto a longer-term finance plan, typically development finance.

Your home may be repossessed if you do not keep up repayments on your mortgage. The Financial Conduct Authority does not regulate commercial finance and some forms of buy-to-let mortgages.

What are the different types of commercial property?

There are five categories of commercial property, each with varying building uses.

These categories include:

Offices
Retail
Industrial
Leisure
Health care

Commercial property use classes

The Town and Country Planning (Uses Classes) Order of 1987 divides commercial buildings into different classes, determining how each type of commercial property should be occupied.

A1 = Shops
A2 = Financial and Professional Services
A3 = Food and Drink
A4 = Drinking Establishments
A5 = Hot Food Take-away
B1 = Business
B2 = General Industrial
B8 = Storage and Distribution
C1 = Hotels
C2 = Residential Institutions
C3 = Dwelling Houses
F1/D1 = Non-residential Institutions
D2 = Assembly and Leisure
Sui-Generis – If the use case does not fall under one of the main classes, they are classified as “sui-generises”.

Repayment options: Rolled-up interest or serviced interest?

Bridging loans are available on an interest-only basis. There are two main payment options:

Rolled-up interest repayment strategy

At the end of the loan, the entire loan amount is settled along with all accrued monthly interest in one lump sum.

Serviced interest repayment strategy

The interest is paid on the loan each month and at the end of the term, only the principal amount and any additional fees are repaid.

Mortgage advice for commercial bridging loans

Drawing on 25 years of expertise, our consultants possess the knowledge and experience to secure optimal bridging finance under tight timeframes.

Here are some of the reasons that our clients trust us with their mortgage needs:

Lender relationships

We’re an independent, whole-of-market broker, with strong ties to both high-street and private banks alike. We provide completely impartial, expert advice so that clients can make well informed decisions based on a complete picture of the lending landscape.

Knowledge & expertise

We believe in mortgage advice that considers both your personal and financial situation, and the broader financial markets. To achieve this, we partner with wealth advisers and accountants to draw on their expertise when needed to provide excellent advice for our clients.

Exceptional service

With an average rating of 4.97/5 from more than 2,000 reviews, we offer an outstanding client experience. We insulate you from the rigmarole of the mortgage process, so that you can stay focussed on your day-to-day.