The complete guide to bridging and short term finance

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1 ependable, effective bridging ependable, ef pen bridging f cmplete guide t shrt term An easy t use step-by-step handbk explaining everything abut shrt term.

2 An easy t use step-by-step handbk explaining everything abut shrt term. An easy t use step-by-step handbk explaining everything abut shrt term. 2 Welcme t the Bridgebank Capital Guide t Bridging and Shrt Term Finance Why Bridgebank Capital Shuld Be Yur Lender f Chice fr All f Yur Bridging This guide will prvide an verview f the scenaris in which and Shrt Term Finance Requirements why? shrt term can be used and tp tips fr ensuring a deal runs smthly. ependable, effective pen bridging ependable, effective ependable, effective pen bridging pen bridging ependable, effective ependable, effective pen bridging ependable, effective g pen bridging pen bridging anywhere cmplete cmplete cmplete else guide t guide t guide bridging t and shrt term shrt term shrt term An easy t use step-by-step handbk explaining everything abut shrt term. ependable, effective bridging An easy t use step-by-step handbk explaining everything abut shrt term. ependable, effective bridging ependable, effective bridging An easy t use step-by-step handbk explaining everything abut shrt term. 3 term shrt Bridgebank is Best guide t Bridgebank Capital is ne f the UK s leading cmplete prviders f bridging, prviding: Whle f market lending effective bridging ependable, Lans based n market value everything abut shrt term. explaining handbk step-by-step use t easy An pen bridging ependable, effective Substantial lending capacity Outstanding service Cmpetitive pricing N upfrnt prcessing fees t guide pen bridging effective ependable, ependable, effective bridging shrt term Best fr Brkers Full UK BM cverage term shrt cmplete guide t irect access t Head f Sales and Underwriters Excellent cmmissins paid ependable, effective bridging Expansive pen bridging supprt functin t ensure effective ependable, swift cmpletin cmplete ependable, pen Best fr Brrwers bridging bridging effective pen effective Lend n market value irrespective ependable, f purchase price Residential, Semi- cmmercial and cmmercial prperties bridging pen ependable, effective At Bridgebank Capital, we believe that we are truly the nly Bridging and Shrt Term Lender that can prvide funding fr the whle f the shrt term market sectr. Substantial lending capacity supprted by We will lend acrss the whle f England, institutinal investment partners Sctland and Wales Appetite fr bth small and large lans with Residential develpment facilities fr bth effectively n maximum ceiling new cnstructin and redevelpment Highly cmpetitive interest charges fr Interest calculated n a daily rate basis else Residential Buy t Let investments with an (subject t minimum 3 mnths interest) interest rate f 0.85% per mnth fr qualifying N exit fees, unless by agreement and criteria dependant n circumstances f case Overall, we have an appetite t lend and are geared up t cver every aspect and scenari fr shrt term lending requirements at market cmpetitive rates. Why g anywhere else? Fr further infrmatin cntact ependable, effective bridging

3 4 Hw t Identify When Yu Need Bridging and Shrt Term Finance Prcess Bridging and shrt term has becme a key investment and prject facilitating surce f, assisting brrwers in securing lucrative investment pprtunities, ften within limited timescales. In rder t prgress a case as quickly as pssible, yu must ensure that the fllwing infrmatin is prvided t Bridgebank Capital withut delay: 5 Applicatin Frm All sectins f the Applicatin Frm must be cmpleted and signed with any required supprting infrmatin attached. Offer Letters Sign and return the ffer letter with all required I & KYC infrmatin quickly. Valuatins Bridgebank Capital will instruct a valuatin nce the brrwer has agreed the valuatin fee qute. Payment is required direct t the valuer prir t valuatin being carried ut. Prperty Slicitr Instruct an experienced prperty slicitr that is registered with the Law Sciety and perates within a practice f a minimum f 2 partners. Cnfidence eal with highly experienced prperty and prfessinals wh yu are cnfident can vercme any issues that may be faced in securing bridging. Cmmunicatin Open cmmunicatin between all parties is key t the success f a bridging agreement. BM Assessment f Enquiry Business evelpment Manager receives Applicatin Frm and Supprting Infrmatin BM cmpletes lan csting infrmatin and file passed t Underwriting team fr decisin t ffer Lan Prcessing receive signed ffer Lan Prcessing team issue ffer t brrwer and brker Underwriting team sign ff and pass t Lans Prcessing team t issue ffer Further Underwriting carried ut by Underwriting team Lan Prcessing team instructs a valuatin Valuatin reprt received and accepted by Underwriting team Legal ue iligence carried ut by Underwriting team Slicitrs instructed by Head f Operatins KYC and utstanding infrmatin received by Lan Prcessing team Facility dcuments signed by brrwer and cunter signed by Bridgebank Capital irectrs Mney is transferred frm Bridgebank Capital slicitrs t brrwer s slicitrs Mney is transferred t Bridgebank Capital slicitrs Brker s fee is transferred t the brker Fr further infrmatin cntact ependable, effective bridging

4 6 Case Study Examples Our Criteria 7 Planning Enhancement Bridgebank Capital recently cmpleted a large bridging lan fr an experienced develper, n a prject that invlved a majr planning enhancement strategy. develper had an ptin t purchase a building based n its existing planning use valuatin. uring the ptin perid extensive pre-planning wrk had been carried ut in line with his desired redevelpment strategy. prperty was revalued taking int accunt the added value f this pre-planning activity. brrwer apprached Bridgebank Capital t prvide the funding required t take up the ptin and cmplete the purchase, based n the enhanced value f the prperty security. This case invlved cmplex ffshre lending structures and planning risks, but the high net wrth f the brrwer and his prven extensive experience, cupled with the strength f their supprting prfessinal team, allwed Bridgebank Capital t take a cmmercial view as t the risks f the case and agreed t prceed. This case demnstrates that the team at Bridgebank Capital has the wealth f experience and expertise, as well as an appetite t lend, t prvide a Bridging facility with a cmplex set f circumstances. Blended Security Bridgebank Capital prvided a bridging facility t a brrwer wh wished t acquire an investment prperty in England, with additinal security available frm a prperty in Sctland, in rder t assist with purchase and refurbishment csts. team at Bridgebank Capital has the knwledge and experience t lk at additinal security acrss brders, taking int accunt the legal issues raised when taking equity frm different prperties. Speedy Purchase Bridgebank Capital assisted the tenants f a trading business where their freehld landlrd had gne int administratin. ue t the perceived liability f the lease, the brrwer was able t secure a deeply discunted purchase price frm the Receiver n the cnditin that cmpletin wuld take place within a very tight timeframe. Bridgebank Capital cmpleted the transactin with the applicant within 10 days, demnstrating ur ability t wrk in shrt timeframes. As Bridgebank Capital lends n the market value f the prperty rather than purchase price, the brrwer was able t take full advantage f this pprtunity. ebt Frgiveness Bridgebank Capital recently prvided a bridging lan t a brrwer with a substantial mixed prtfli f residential and cmmercial investment prperty that was all d by ne f the banks pulling ut f the prperty market. brrwer required a bridging lan in rder t take advantage f a substantial debt frgiveness settlement where in effect the mrtgage facility had als expired. Bridgebank Capital facility allwed the applicant t achieve a debt frgiveness f 40% frm the riginal mrtgage debt and increase the rental yield as a percentage f debt capital frm 8% t 16%. This case study clearly demnstrates hw Bridgebank Capital can facilitate a debt frgiveness re pprtunity whilst als imprving investment yields. Bridgebank Capital recgnises that each shrt term agreement is unique, and that all applicatins must be cnsidered n their wn merit. Bridgebank Capital is a whle f market lender in terms f prperty type, lcatin and lan size. We Will Lend Against: Residential prperty Residential develpments Cmmercial prperty Cmmercial develpment Mixed use prperty schemes Offices Retail prperty Investment prperty residential and cmmercial Prperty cnversin Fr further infrmatin cntact Criteria fr Lending: UK wide lending England, Wales and Sctland First charge lending First and secnd charge blended charge lending available Cmpetitive interest rates frm 0.85% Lan terms 1 day t 12 mnths Minimum lan size - 125,000 N maximum lan size N upfrnt prcessing fees Given certain criteria, such as additinal security, we will cnsider lans f up t 100% f the value f the primary secured prperty. ependable, effective bridging

5 8 Our Service eal Makers and Breakers 9 gt wehave everything yu Bridgebank Capital is cmmitted t delivering the highest level f service t brkers and brrwers. We have extensive experience f wrking with brkers t understand their client s requirements and have intrduced a Brker Feedback Questinnaire t identify areas in which we can develp t further enhance the level f service prvided. We have substantial lending capacity, and when cmbined with the extensive knwledge and experience f ur management team, we can ensure that all cases are dealt with prmptly and prfessinally in line with brrwer requirements. need yu need We lend against market value irrespective f the purchase price f a prperty. ependably Effective: ecisins in hurs Lan cmpletins in days Experienced and prperty persnnel Online applicatin and prcessing N upfrnt prcessing fees Brkers fees paid n same day as advance paid t brrwer eal Makers: Current, satisfactry valuatin frm an apprved panel valuer Valuatin allws LTV in line with criteria and brrwers needs Full and accurate applicatin frm and asset and liabilities statement KYC and mney laundering infrmatin all in rder Brrwer uses a quality prperty slicitr In the shrt term sectr, flexibility, fast decisins and reliability n the part f the lender is crucial, as brrwers are ften under pressure t cmplete deals within a very tight deadline. re needs t be a shrt-term lender which bth brkers and brrwers can rely n. This is Bridgebank Capital. eal Breakers: Valuatin des nt meet brrwers expectatins False infrmatin n Applicatin Frms and Asset and Liabilities Statement KYC and mney laundering infrmatin nt prvided r deficient Brrwer legal representatin nt versed in the time sensitive nature f shrt term, r nt a legal r prperty expert Inability t demnstrate a realistic and deliverable exit fr the bridging r shrt term Final Wrd It is a ppular miscnceptin that bridging is cmplicated and t difficult t get invlved with, when the reality is in fact quite the ppsite. re is a skill in identifying when bridging shuld be used t benefit clients and this is where Bridgebank Capital cmes in. We can wrk with yu n assessing a set f circumstances, issue a prpsal with a firm ffer letter and immediately take the pressure ff yu. Fr further infrmatin cntact Time Takers: Valuatins being ut f date r frm nn-panel valuers elay in prviding KYC and mney laundering infrmatin Missing infrmatin n applicatin frm and assets and liabilities statement Slw slicitrs We ffer training t intrducers t that yu can becme mre experienced and knwledgeable, and t enable yu t mre readily identify the circumstances where shrt term ught t be used. Cmpleting a bridging deal in itself is nt hard at all and shuld be seen as a slutin t a prblem, instead f the prblem itself. ependable, effective bridging

6 10 Bridgebank Capital Our Prducts Our Specialist Lw Cst Residential BTL Bridging Lans 0.85% Fixed rates exclusive fr Residential Buy T Let lending LTV<55%. 11 LTV 55-65% fixed rate 0.95%. Prduct Benefits Lans Based n Market Value Lans frm 125k Upwards N Upper Lending Limit aily Interest Rates N Exit Fees Bridgebank Capital can be relied upn t deal with all cases quickly and efficiently, t deliver shrt term prperty lans that slve the financing requirements n all types f Residential and Cmmercial prperty transactins. In additin t ur Buy t Let Bridging prduct, we cntinue t be highly active with all bridging scenaris that we have dne fr many years but with a vastly imprved lending prfile which includes: Large lans (n upper lending limit) aily interest rate Residential develpment If yu have any further questins d nt hesitate t cntact us r visit: f i x e d 0. 85% LTV Minimum Lan Size Maximum Lan Size Interest Rate <55% 125,000 N limit 0.85% 55% - 65% 125,000 N limit 0.95% Underwriting Parameters Status nly prduct hmewners, prven incme/emplyment Equifax credit scre in excess f 350 N impaired credit histry in last 24 mnths Residential Buy t Let Investment prperty (single units and prtflis) Light refurbishment nly (excludes cnversins, structural remdelling cases) England, Sctland, Wales within 1 hur cmmute f majr city cnurbatins Individuals & crprates (with PGs) Excludes HMO s Minimum lan f 125,000 Excludes Right t Buy All security must be classed as readily mrtgageable/marketable Excludes mixed use prperty with any cmmercial element Purchase and re-mrtgage Transparent, arms length purchases with n cmplex scenaris Fr further infrmatin cntact ependable, effective bridging

7 V allprperty types f the UK UK ependa pen brid It s tugh finding the right financing slutin fr any prperty transactin. Brrwers have chices, and ptins that need t be explred. Hw can a brrwer r their adviser be assured that they will be dealing with a bridging lender that they can rely n, be cmfrtable with, and will deliver the lan requirement exactly in accrdance with the brrwers expectatins n timing, amunt and cst? slutin... Telephne: Fr mre infrmatin visit: Bridgebank Capital, 1 Riverview, Embankment Business Park, Heatn Mersey, Cheshire, SK4 3GN Fr Intermediary Use Only ependable, effective bridging ependa pen brid Quantum by Bridgebank Capital and Bridgebank Capital are trading names f Bridgebank Capital (IM) Hldings Ltd. C. Reg N Registered in England & Wales. Registered Office: 1 Riverview, Embankment Business Park, Vale Rad, Heatn Mersey, Cheshire SK4 3GN Helping Fund UK Business

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