The benefit of a ‘Red Book’ Valuation

by Joel Lea, Senior Underwriter at Bath & West Finance.As a principal lender, we appreciate the necessity of carrying out a RICS ‘Red Book’ Valuation to help us assess the financial risk of a property – whether housing, commercial or semi-commercial properties,...

Spotlight on property conversions and refurbishments

by Martyn Smith, Managing Director at Bath & West Finance. I’ve been in the specialist lending arena for over thirty-five years, and bridging finance has near enough remained close to its origins of being flexible, short-term finance which is secured against...

Bridging Industry stalwart Matthew Anderson joins Bath & West Finance

Matthew Anderson has joined West Country bridging lender Bath & West as commercial director. Anderson has over 25 years experience in the bridging and development finance markets, formerly heading up development lending at Amicus Finance and prior to that, at...

Should unregulated bridging really be driven by borrower status?

A recent report into the bridging market, penned by EY Financial Services, articulated some interesting features of the current short-term market that bear a little more thought. According to EY’s analysis, growing competition in the bridging market ‘requires...

Thematic review of the short-term sector: Is it time to re-visit the basics of bridging?

The bridging market has changed a lot over the past decade. No longer is the dominant model to have a number of private individuals funding short-term development projects, underwritten on a case by case basis and priced typically at between 1.5 and 2 per cent a...

Bridging Finance

Bridging loans from experienced property finance professionals

Bridging loans are a short-term finance solution designed to ‘bridge’ a gap while the borrower secures alternative funding or a sale. In recent years bridging finance has gone from being viewed as a niche product, often used as a last resort, to a multi-purpose form of lending. This can include auction purchase, refurbishment projects, development, non-status and even un-mortgageable properties. They can be invaluable in facilitating a property purchase that otherwise would not be possible.

Bath & West Finance offers bespoke bridging loans from £50,000 to £2,000,000 over 3 months to 18 months. As experienced property professionals we can offer a more flexible approach to our lending than many less experienced companies including second charge lending. We are able to make immediate decisions over the phone and provide funding, when required, in a matter of days.

If you are looking for a residential or part-commercial / part-residential bridging loan you should be talking to experienced property finance professionals – you should talk to us

Residential Bridging

Semi-Commercial Bridging

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