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...

Semi-Commercial Bridging

Fast, flexible bridging

For those clients looking for short-term finance on properties that are part commercial and part residential, we offer bridging solutions that provide the time you need to organise tenants, obtain planning permission and even undertake light refurbishments, before arranging long-term finance.

“As property investors look for diversification in their portfolios, commercial space combined with a residential aspect, is becoming an increasingly attractive form of property investment. Our understanding of the different components of such a property allows us to give the flexibility required in buying such properties.”

Matthew Anderson

Bath & West Finance
Commercial Director

Key rates & features

Maximum Loan


Minimum Loan


Maximum LTV


Commitment fee


Broker Commission

from 1%

Monthly Interest

from 1.15%

Interest Payment Method

Serviced, retained or rolled-up

Minimum Term

90 Days

Maximum Term

360 Days

Key Product Criteria*

Semi-commercial Property

Mixed-use with at least 50% residential


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

Commercial tenancies

Leases will be reviewed on a case by case basis

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

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