Bridging Loans
in Kettering

Auction purchases represent the classic bridging use case: you've won the lot, the hammer has fallen, and you have 28 days (sometimes 56 for special conditions) to complete. Having a bridging facility pre-agreed or a lender who can move fast is essential. We recommend getting a decision in principle before the auction day.

Bridge-to-development is a powerful strategy for sites requiring planning permission. You acquire the site on a bridging facility, secure planning consent, then refinance onto a development finance facility at terms that reflect the planning uplift. This approach lets you control sites without committing to the higher costs of a full development facility before planning is in place.

Refurbishment bridging is a hybrid product that combines acquisition funding with a facility for light refurbishment works — typically up to 15-20% of the property value. This suits investors buying properties that need cosmetic work before refinancing onto a buy-to-let mortgage at a higher valuation.

The Midlands development market benefits from its central UK location, strong transport connectivity, and a growing population attracted by relative affordability compared to London and the South East. Birmingham's ongoing transformation — anchored by HS2 and the Commonwealth Games legacy — has repositioned the city as a serious investment destination.