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...

Residential Bridging

Quick and simple bridging

Our bridging products are designed to help clients who are looking at quick property acquisitions or re-structuring opportunities.

The products provide you with the time you need to organise tenants, obtain planning permission and even undertake light refurbishments, before arranging long-term finance.

“Bridging loans are an invaluable tool in a property investors armoury. We recognise value in unmodernised and unmortgageable properties and our flexible short term products are designed to allow full value to be achieved on properties prior to sale or refinance.”

Martyn Smith

Bath & West Finance
Managing Director

Key rates & features

Maximum Loan


Minimum Loan


Maximum LTV


Commitment fee


Broker Commission

from 1%

Monthly Interest

from 0.85%

Interest Payment Method

Serviced, retained or rolled-up

Minimum Term

90 Days

Maximum Term

360 Days

Key Product Criteria*


Houses, flats, BTL’s, HMO’s, auction, development land with full residential planning, unmortgageable


Freehold or leasehold with more than 60 years left on the lease

Residential tenancies

A standard AST agreement

Type of Charge

First charge, second charges considered


Light refurbishment works, such as kitchens, bathrooms, floor coverings, general decoration and extensions where stage payments are not required, no strucural alterations and no planning permission is needed

* Please refer to the criteria page for standard loan criteria for all products

Download our full product guide

Pin It on Pinterest

Stay ahead by signing up to our mailing list!

A flexible, transparent lender for all property professionals.



Join Bath & West mailing list to receive the latest information on our product range & lowest rates, promotions and newsletters.


We won't share your details with anyone else and keep all our emails relevant.

Thank you for subscribing to Bath & West mailing list!