{"id":3099,"date":"2020-05-05T14:23:39","date_gmt":"2020-05-05T13:23:39","guid":{"rendered":"https:\/\/octagoncapital.co.uk\/?page_id=3099"},"modified":"2023-12-18T16:00:32","modified_gmt":"2023-12-18T16:00:32","slug":"bridging-lenders","status":"publish","type":"page","link":"https:\/\/octagoncapital.co.uk\/bridging-lenders\/","title":{"rendered":"Our Lenders"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column width=&#8221;1\/2&#8243;][vc_column_text]<\/p>\n<h1>Compare Bridging Lenders<\/h1>\n<p>Octagon Capital works with over 30 specialist bridging lenders in the UK, allowing you to access the whole of market and get the best rates possible.<\/p>\n<p>No need to get a quote from every single lender, we will speak to the lenders on your behalf so that you have one point of contact only and can get the best terms suited to you.<\/p>\n<p>Octagon Capital are able to provide indicative terms on the same day you apply and we typically complete bridging loans within 10 to 28 days.[\/vc_column_text][uncode_list icon=&#8221;fa fa-check-square&#8221; icon_color=&#8221;accent&#8221;]<\/p>\n<ul>\n<li>One form<\/li>\n<li>One point of contact<\/li>\n<li>Quotes from 40 bridging lenders<\/li>\n<\/ul>\n<p>[\/uncode_list][\/vc_column][vc_column width=&#8221;1\/2&#8243;][vc_custom_heading uncode_shortcode_id=&#8221;971337&#8243;]Get a Quote From Over 30 Bridging Lenders[\/vc_custom_heading]<script type=\"text\/javascript\">var 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{            var timeout;            return function() {                var context = this, args = arguments;                var later = function() {                    timeout = null;                    if ( !immediate ) func.apply( context, args );                };                var callNow = immediate && !timeout;                clearTimeout( timeout );                timeout = setTimeout( later, wait );                if ( callNow ) func.apply( context, args );            };        }        const debouncedTriggerPostRender = debounce( function() {            triggerPostRender();        }, 200 );        if ( visibilityTestDiv && visibilityTestDiv.offsetParent === null ) {            const observer = new MutationObserver( ( mutations ) => {                mutations.forEach( ( mutation ) => {                    if ( mutation.type === 'attributes' && visibilityTestDiv.offsetParent !== null ) {                        debouncedTriggerPostRender();                        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shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243;][vc_column width=&#8221;1\/3&#8243;][uncode_list icon=&#8221;fa fa-check-square&#8221;]<\/p>\n<ul>\n<li><span style=\"color: #ffffff;\">Borrow \u00a350,000 to \u00a325 Million<\/span><\/li>\n<li><span style=\"color: #ffffff;\">Available in UK, Scotland and Wales<\/span><\/li>\n<li><span style=\"color: #ffffff;\">Up to 70% LTV regulated<\/span><\/li>\n<li><span style=\"color: #ffffff;\">Up to 75% LTV unregulated<\/span><\/li>\n<\/ul>\n<p>[\/uncode_list][\/vc_column][vc_column width=&#8221;1\/3&#8243;][uncode_list icon=&#8221;fa fa-check-square&#8221;]<\/p>\n<ul>\n<li><span style=\"color: #ffffff;\">Borrow over 3 to 24 months<\/span><\/li>\n<li><span style=\"color: #ffffff;\">All credit histories considered<\/span><\/li>\n<li><span style=\"color: #ffffff;\">Rates from 0.44% per month<\/span><\/li>\n<li><span style=\"color: #ffffff;\">Residential, commercial, new builds and more<\/span><\/li>\n<\/ul>\n<p>[\/uncode_list][\/vc_column][vc_column width=&#8221;1\/3&#8243;][uncode_list icon=&#8221;fa fa-check-square&#8221;]<\/p>\n<ul>\n<li><span style=\"color: #ffffff;\">Funding available in 10 to 28 days<\/span><\/li>\n<li><span style=\"color: #ffffff;\">Same day quotes<\/span><\/li>\n<li><span style=\"color: #ffffff;\">Decision in principle in 24 hours<\/span><\/li>\n<li><span style=\"color: #ffffff;\">First and second legal charges<\/span><\/li>\n<\/ul>\n<p>[\/uncode_list][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;2&#8243; top_padding=&#8221;2&#8243; bottom_padding=&#8221;4&#8243; back_color=&#8221;accent&#8221; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243;][vc_column width=&#8221;1\/2&#8243;][vc_button button_color=&#8221;color-vyce&#8221; size=&#8221;btn-lg&#8221; border_width=&#8221;0&#8243; link=&#8221;url:tel%3A03334141491|||&#8221;]Call us on 0333 414 1491[\/vc_button][\/vc_column][vc_column width=&#8221;1\/2&#8243;][vc_button button_color=&#8221;color-vyce&#8221; size=&#8221;btn-lg&#8221; border_width=&#8221;0&#8243; link=&#8221;url:mailto%3Asales%40octagoncapital.co.uk|||&#8221;]Email us at sales@octagoncapital.co.uk[\/vc_button][\/vc_column][\/vc_row][vc_row][vc_column width=&#8221;1\/1&#8243;][vc_custom_heading]<\/p>\n<h2>Our List of Bridging Lenders<\/h2>\n<p>[\/vc_custom_heading][vc_gallery el_id=&#8221;gallery-177342&#8243; medias=&#8221;2728,2739,4231,4236,2754,2748,2747,2729,2612&#8243; gutter_size=&#8221;3&#8243; screen_lg=&#8221;1000&#8243; screen_md=&#8221;600&#8243; screen_sm=&#8221;480&#8243; single_overlay_opacity=&#8221;50&#8243; single_padding=&#8221;2&#8243; uncode_shortcode_id=&#8221;154200&#8243;][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; back_color=&#8221;accent&#8221; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243;][vc_column width=&#8221;1\/1&#8243;][vc_column_text uncode_shortcode_id=&#8221;110314&#8243;]<\/p>\n<h2><span style=\"color: #ffffff;\"><strong>Why Compare Rates from Multiple Bridging Lenders?<\/strong><\/span><\/h2>\n<p><span style=\"color: #ffffff;\">Every lender has different eligibility and requirements and being able to compare bridging loans across the whole of the market can help maximise your chances of approval and help you get the best terms possible.<\/span><\/p>\n<p><span style=\"color: #ffffff;\">In addition to eligibility, some lenders go through different funding cycles and during some periods, you may be more likely to be accepted or be able to borrow more than usual. Working with a <a style=\"color: #ffffff;\" href=\"https:\/\/octagoncapital.co.uk\/\">bridging loans broker like Octagon Capital<\/a>, we can help you maximise your chances of acceptance and help you secure the best deal, working in your favour every step of the way.<\/span><\/p>\n<h2><span style=\"color: #ffffff;\"><strong>What Loan Terms Do We Compare?<\/strong><\/span><\/h2>\n<ul>\n<li><span style=\"color: #ffffff;\">Loan size<\/span><\/li>\n<li><span style=\"color: #ffffff;\">Loan duration<\/span><\/li>\n<li><span style=\"color: #ffffff;\">Loan rates and fees<\/span><\/li>\n<li><span style=\"color: #ffffff;\">Credit scores<\/span><\/li>\n<li><span style=\"color: #ffffff;\">Eligibility<\/span><\/li>\n<li><span style=\"color: #ffffff;\">Property size and type<\/span><\/li>\n<li><span style=\"color: #ffffff;\">Locations<\/span><\/li>\n<\/ul>\n<p><span style=\"color: #ffffff;\">Octagon Capital can introduce bridging lenders who can finance agricultural land, bungalows, care homes, chalets, converted barns, cottages, detached homes, farmhouses, guest houses, hotels, maisonettes, mid-terraced homes, offices, petrol garages, semi-detached homes, studio flats, terraces, townhouses and warehouses.<\/span><\/p>\n<p><span style=\"color: #ffffff;\">Our Bridging Lenders proudly London, Birmingham, Manchester, South-East England, Wales, Scotland and practically every other area of the UK upon request. Currently, we cannot facilitate loans in Ireland.<\/span>[\/vc_column_text][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; back_color=&#8221;color-xsdn&#8221; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; uncode_shortcode_id=&#8221;160886&#8243; back_color_type=&#8221;uncode-palette&#8221;][vc_column width=&#8221;1\/1&#8243;][vc_column_text uncode_shortcode_id=&#8221;157720&#8243;]<\/p>\n<p><center><iframe title=\"YouTube video player\" src=\"https:\/\/www.youtube.com\/embed\/o2QQzEkGtCY?si=Jec9WzEd9KGi3x8Y\" width=\"360\" height=\"615\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/center>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column width=&#8221;1\/1&#8243;][vc_column_text uncode_shortcode_id=&#8221;170015&#8243;]<\/p>\n<h2><span style=\"color: #000000;\"><strong>Do I Need a Bridging Lender?<\/strong><strong>\u00a0<\/strong><\/span><\/h2>\n<p><span style=\"color: #000000;\">In many cases, we receive enquiries where the customer is not sure if they need a bridging lender or not \u2013 and sometimes if may be a <span style=\"text-decoration: underline;\"><a style=\"color: #000000; text-decoration: underline;\" href=\"https:\/\/octagoncapital.co.uk\/second-charge-loans\/\">second charge loan<\/a><\/span> they require, <span style=\"text-decoration: underline;\"><a style=\"color: #000000; text-decoration: underline;\" href=\"https:\/\/octagoncapital.co.uk\/mezzanine-finance\/\">mezzanine finance<\/a><\/span> or something different altogether.<\/span><\/p>\n<p><span style=\"color: #000000;\">Bridging is usually used to complete on a purchase of a property or grow your business, whilst securing the loan against your asset or collateral. Bridging is usually time sensitive and one of the main benefits is that you can access funds quicker than your bank or mortgage provider.<\/span><\/p>\n<p><span style=\"color: #000000;\">Octagon Capital can help by understanding your particular funding need and placing you with a lender who is best suited for this.<\/span><\/p>\n<h2><span style=\"color: #000000;\"><strong>What is The Difference Between Regulated and Unregulated Bridging Lenders?<\/strong><\/span><\/h2>\n<p><span style=\"color: #000000;\">Bridging lenders can provide regulated activity, unregulated activity or sometimes both. Regulated activity comes with extra rules surrounding credit checking and they can lend to someone who is borrowing against their primary residence.<\/span><\/p>\n<p><span style=\"color: #000000;\">Unregulated bridging lenders may be more flexible with bad credit histories, but the terms might be slightly different and they cannot lend against people\u2019s homes whilst they are living there (primary residence).<\/span><\/p>\n<p><span style=\"color: #000000;\">Depending on your circumstances, we can help you find the right lender for your requirements.<strong>\u00a0<\/strong><\/span><\/p>\n<h2><span style=\"color: #000000;\"><strong>Do You Work With Bridging Lenders With No Credit Checks?<\/strong><\/span><\/h2>\n<p><span style=\"color: #000000;\">Most of our bridging lenders do not run a credit checks off the bat. The process will start with understanding the property that you are looking to purchase and your plans for it. We typically ask for a plan or indication of costs, whether this is purchase or land costs, construction costs and plans for exit. Based on this looking strong, there is no reason why you cannot be approved. A credit check may be run upon request by a lender or as a final bit of due diligence to ensure no recent bankruptcies or serious issues. However, you should not let your credit score or a credit check stand in the way of you getting the loan you require.<\/span><\/p>\n<h2><span style=\"color: #000000;\"><strong>How Can Octagon Capital Help?<\/strong><\/span><\/h2>\n<p><span style=\"color: #000000;\">We are an impartial <span style=\"text-decoration: underline;\"><a href=\"\/\">bridging loans broker<\/a><\/span> who has built a relationship with 30 of the most reputable bridging lenders in the UK.<\/span><\/p>\n<p><span style=\"color: #000000;\">When you make an application or get in touch by phone or email, we will ask you just a few questions and be able to use our brokering system to provide you with a list of quotes and options immediately.<\/span><\/p>\n<p><span style=\"color: #000000;\">Should you wish to proceed, we can package up your application and put it forward for funding, helping you along the way to get the best terms and conditions.<\/span><\/p>\n<p><span style=\"color: #000000;\">We are passionate about helping customers find the right product for them and every quote we provide is completely free of charge and no obligation.<\/span>[\/vc_column_text][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;2&#8243; top_padding=&#8221;2&#8243; bottom_padding=&#8221;4&#8243; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243;][vc_column width=&#8221;1\/2&#8243;][vc_button button_color=&#8221;accent&#8221; size=&#8221;btn-lg&#8221; border_width=&#8221;0&#8243; link=&#8221;url:tel%3A03334141491|||&#8221;]Call us on 0333 414 1491[\/vc_button][\/vc_column][vc_column width=&#8221;1\/2&#8243;][vc_button button_color=&#8221;accent&#8221; size=&#8221;btn-lg&#8221; border_width=&#8221;0&#8243; link=&#8221;url:mailto%3Asales%40octagoncapital.co.uk|||&#8221;]Email us at sales@octagoncapital.co.uk[\/vc_button][\/vc_column][\/vc_row][vc_row][vc_column width=&#8221;1\/1&#8243;][vc_column_text uncode_shortcode_id=&#8221;271795&#8243;]<\/p>\n<h2><span style=\"color: #000000;\">FAQs<\/span><\/h2>\n<h3><span style=\"color: #000000;\">What Fees Do Bridging Lenders Charge?<\/span><\/h3>\n<ul>\n<li><span style=\"color: #000000;\">Monthly interest rate (around 1%)<\/span><\/li>\n<li><span style=\"color: #000000;\">Valuation fees (\u00a3500 to \u00a31,000 based on size of property)<\/span><\/li>\n<li><span style=\"color: #000000;\">Broker fee (1-2%)<\/span><\/li>\n<li><span style=\"color: #000000;\">Solicitor&#8217;s fees (depends on size of project)<\/span><\/li>\n<\/ul>\n<h3><span style=\"color: #000000;\">What is The Minimum Deposit Required For a Bridging Loan?<\/span><\/h3>\n<p><span style=\"color: #000000;\">With the maximum LTV around 70%-75%, the minimum deposit typically required is around 25%. For example, if you were looking to purchase a property worth \u00a31 million, you would require a minimum deposit of around \u00a3250,000. In some cases, you may be eligible for a higher LTV which could mean only paying a deposit of 10% to 20% and this could be available if you are using senior debt, equity or mezzanine financing.<\/span><\/p>\n<h3><span style=\"color: #000000;\">Do You Work With People Who Are Self Employed?<\/span><\/h3>\n<p><span style=\"color: #000000;\">Yes, very much so, in fact most of our customers are self-employed and you do not need to be working for a large company to be eligible. You will usually be required to provide active trading accounts of around 6 months to 2 years old, but you do not necessarily need to be in profit to get approval.<\/span><\/p>\n<h3><span style=\"color: #000000;\"><strong>Do Bridging Lenders Run Credit Checks?<\/strong><\/span><\/h3>\n<p><span style=\"color: #000000;\">No, bridging lenders do not run credit checks in the first instance, instead looking at the condition of your property and its potential as the main basis of your loan application. Further down the line, the lender may run a credit check as part of doing some background checks. You may only have issues if you have faced recent bankruptcy, but typically bridging lenders are very open-minded to adverse credit histories.<\/span><\/p>\n<h3><span style=\"color: #000000;\"><strong>Will Your Bridging Lenders Work With Someone With Bad Credit?<\/strong><\/span><\/h3>\n<p><span style=\"color: #000000;\">Yes, bridging loan lenders will gladly work with people with bad credit, provided that the property they are looking to use as security is valuable and has exciting potential. You will need to back up your application with strong financial plans, including costings and an exit strategy. But having bad credit alone will not exclude you from the application process and lenders will always go in with an open mind.<\/span><\/p>\n<h3><span style=\"color: #000000;\">Can You Help With Refinancing or Rebridging?<\/span><\/h3>\n<p><span style=\"color: #000000;\">Yes, certainly, if your loan term is coming to an end and you are looking to refinance or rebridge under new and more favourable terms, this is absolutely something that we can help with. We will always try to get you the best deal and save you money wherever we can.<\/span>[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column width=&#8221;1\/2&#8243;][vc_column_text] Compare Bridging Lenders Octagon Capital works with over 30 specialist bridging lenders in the UK, allowing you to [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Bridging Lenders | Borrow \u00a325 Mil at 70%, 80%, 90% LTV | Octagon Capital<\/title>\n<meta name=\"description\" content=\"Compare Bridging Lenders - Best Rates from Over 30 UK Lenders, Regulated and Unregulated. 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