{"id":4529,"date":"2021-09-08T08:54:06","date_gmt":"2021-09-08T07:54:06","guid":{"rendered":"https:\/\/octagoncapital.co.uk\/?page_id=4529"},"modified":"2021-09-21T16:18:14","modified_gmt":"2021-09-21T15:18:14","slug":"80-ltv-bridging-loans","status":"publish","type":"page","link":"https:\/\/octagoncapital.co.uk\/80-ltv-bridging-loans\/","title":{"rendered":"80% LTV Bridging Loans"},"content":{"rendered":"<section class=\"wpb-content-wrapper\"><p>[vc_row row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;2&#8243; top_padding=&#8221;6&#8243; bottom_padding=&#8221;6&#8243; back_image=&#8221;4510&#8243; parallax=&#8221;yes&#8221; overlay_color=&#8221;color-jevc&#8221; overlay_alpha=&#8221;35&#8243; equal_height=&#8221;yes&#8221; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; bottom_divider=&#8221;tilt&#8221;][vc_column column_width_percent=&#8221;100&#8243; position_vertical=&#8221;middle&#8221; gutter_size=&#8221;3&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/2&#8243;][vc_custom_heading heading_semantic=&#8221;h1&#8243; text_size=&#8221;h1&#8243; text_color=&#8221;color-xsdn&#8221;]<span style=\"font-size: 50px; line-height: 50px;\">80% LTV Bridging Loans<\/span>[\/vc_custom_heading][\/vc_column][vc_column column_width_percent=&#8221;100&#8243; gutter_size=&#8221;3&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1581004107867{padding-top: 30px !important;padding-right: 30px !important;padding-bottom: 30px !important;padding-left: 30px !important;}&#8221;][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;0&#8243; top_padding=&#8221;0&#8243; bottom_padding=&#8221;0&#8243; back_color=&#8221;color-lxmt&#8221; overlay_alpha=&#8221;50&#8243; equal_height=&#8221;yes&#8221; gutter_size=&#8221;0&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; el_class=&#8221;inverted-device-order&#8221;][vc_column column_width_percent=&#8221;100&#8243; gutter_size=&#8221;3&#8243; override_padding=&#8221;yes&#8221; column_padding=&#8221;4&#8243; style=&#8221;light&#8221; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/2&#8243;][vc_custom_heading text_size=&#8221;h1&#8243;]An 80% LTV (Loan-to-Value) bridging loan allows you to borrow 80% of the secured property\u2019s value.[\/vc_custom_heading][vc_column_text]While regulated lenders will typically only go up to an LTV of 75%, unregulated providers can go up to <a href=\"https:\/\/octagoncapital.co.uk\/90-ltv-bridging-loans\/\">90%<\/a> and sometimes even <a href=\"https:\/\/octagoncapital.co.uk\/100-ltv-bridging-loans\/\">100%<\/a>.<\/p>\n<p>The higher the LTV the larger the loan is, and therefore the bigger the risk for lenders to loan you the money. With an 80% LTV bridging loan, you\u2019ll be borrowing more money than if you were to take out a <a href=\"https:\/\/octagoncapital.co.uk\/70-ltv-bridging-loans\/\">70% LTV bridging loan<\/a>, however, this might not be enough for your plans.<\/p>\n<p>Thankfully, bridging loan lenders can offer a range of different LTVs, accommodating to a variety of different borrowers and their loan needs.[\/vc_column_text][vc_button button_color=&#8221;accent&#8221; size=&#8221;btn-xl&#8221; radius=&#8221;btn-square&#8221; hover_fx=&#8221;full-colored&#8221; border_width=&#8221;0&#8243; link=&#8221;url:tel%3A0333%20414%201491&#8243;]0333 414 1491[\/vc_button][\/vc_column][vc_column column_width_percent=&#8221;100&#8243; gutter_size=&#8221;3&#8243; override_padding=&#8221;yes&#8221; column_padding=&#8221;4&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/2&#8243; mobile_height=&#8221;340&#8243;][vc_custom_heading subheading=&#8221;*UK Property Only | *Minimum Age 21&#8243;]<\/p>\n<div class=\"vc_custom_heading_wrap \">\n<div class=\"heading-text el-text\">\n<p class=\"h2\"><strong><span style=\"color: #602474;\">Apply for a Bridging Loan Below<\/span><\/strong><\/p>\n<\/div>\n<div class=\"clear\"><\/div>\n<\/div>\n<div id=\"gform_wrapper_3\" class=\"gf_browser_chrome gform_wrapper\">\n<form id=\"gform_3\" action=\"https:\/\/octagoncapital.co.uk\/bridge-finance\/\" enctype=\"multipart\/form-data\" method=\"post\">\n<div class=\"gform_heading\"><\/div>\n<div class=\"gform_body\">\n<ul id=\"gform_fields_3\" class=\"gform_fields top_label form_sublabel_below description_below\">\n<li id=\"field_3_1\" class=\"gfield gfield_contains_required field_sublabel_below field_description_below hidden_label gfield_visibility_visible\"><\/li>\n<\/ul>\n<\/div>\n<\/form>\n<\/div>\n<p>[\/vc_custom_heading]<script 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carousel_navspeed=&#8221;400&#8243; carousel_loop=&#8221;yes&#8221; stage_padding=&#8221;0&#8243; single_overlay_opacity=&#8221;50&#8243; single_overlay_anim=&#8221;no&#8221; single_text_anim=&#8221;no&#8221; single_image_anim=&#8221;no&#8221; single_padding=&#8221;2&#8243; single_border=&#8221;yes&#8221; title=&#8221;Clients&#8221;][\/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;2&#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]<\/p>\n<h2 style=\"text-align: center;\"><span style=\"color: #ffffff;\">Key Features<\/span><\/h2>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; back_color=&#8221;accent&#8221; overlay_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\/3&#8243;][uncode_list icon=&#8221;fa fa-check&#8221; icon_color=&#8221;color-xsdn&#8221;]<\/p>\n<ul>\n<li><strong><span style=\"color: #ffffff;\">Borrow \u00a350,000 \u2013 \u00a325 million<\/span><\/strong><\/li>\n<li><strong><span style=\"color: #ffffff;\">Loan Term: up to 24 months<\/span><\/strong><\/li>\n<\/ul>\n<p>[\/uncode_list][vc_empty_space empty_h=&#8221;2&#8243;][\/vc_column][vc_column width=&#8221;1\/3&#8243;][uncode_list icon=&#8221;fa fa-check&#8221; icon_color=&#8221;color-xsdn&#8221;]<\/p>\n<ul>\n<li><strong><span style=\"color: #ffffff;\">Loan-To-Value: up to 75% (regulated) and 80% (non-regulated)<\/span><\/strong><\/li>\n<\/ul>\n<p>[\/uncode_list][vc_empty_space empty_h=&#8221;2&#8243;][\/vc_column][vc_column width=&#8221;1\/3&#8243;][uncode_list icon=&#8221;fa fa-check&#8221; icon_color=&#8221;color-xsdn&#8221;]<\/p>\n<ul>\n<li><strong><span style=\"color: #ffffff;\">Rates from 0.44% per month<\/span><\/strong><\/li>\n<li><strong><span style=\"color: #ffffff;\">All credit scores considered<\/span><\/strong><\/li>\n<\/ul>\n<p>[\/uncode_list][vc_empty_space empty_h=&#8221;2&#8243;][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;5&#8243; top_padding=&#8221;4&#8243; bottom_padding=&#8221;4&#8243; back_color=&#8221;color-xsdn&#8221; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;4&#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_column_text]<\/p>\n<h2><strong><span style=\"color: #800080;\">What Is 80% LTV on a Bridging Loan?<\/span><\/strong><\/h2>\n<p><strong>A bridging loan with this LTV will offer 80% of the value of the property being secured to it. The precise figure for this type of bridging loan varies depending on the value of the property and therefore what 80% of that value is. <\/strong><\/p>\n<p>With Octagon Capital, you can borrow bridging loans between \u00a350,000 and \u00a325 million, and sometimes even more (subject to request).<\/p>\n<p>By opting for this LTV over a lower one, you\u2019ll borrow more and hold less equity in your property. However, the lower your LTV, the more of your own money you\u2019ll have to provide upfront to purchase the property.<\/p>\n<p><strong><span style=\"color: #800080;\">Speak to Octagon Capital<\/span> on 0333 414 1491 <\/strong><strong style=\"font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen-Sans, Ubuntu, Cantarell, 'Helvetica Neue', sans-serif;\">for bridging loans at a range of different LTVs.<\/strong>[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/2&#8243;][vc_single_image media=&#8221;4365&#8243; media_width_percent=&#8221;100&#8243;][\/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;color-gyho&#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;accent&#8221; size=&#8221;btn-lg&#8221; wide=&#8221;yes&#8221; hover_fx=&#8221;outlined&#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; wide=&#8221;yes&#8221; hover_fx=&#8221;outlined&#8221; border_width=&#8221;0&#8243; link=&#8221;url:mailto%3Asales%40octagoncapital.co.uk|title:Email%20us%20at%20sales%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_row_inner][vc_column_inner width=&#8221;1\/1&#8243;][vc_custom_heading]<\/p>\n<h2 style=\"text-align: center;\"><span style=\"color: #000000;\"><strong>How Do I Calculate the <span style=\"color: #602474;\">LTV<\/span> of a Bridging Loan?<\/strong><\/span><\/h2>\n<p>[\/vc_custom_heading][vc_column_text]Calculating the LTV you need is easy. Simply divide the amount of money you need to borrow by the value of the property and times this by one hundred. For example:<\/p>\n<p><strong>The amount you wish to borrow:<\/strong> \u00a3150,000<br \/>\n<strong>The value of the property:<\/strong> \u00a3200,000<\/p>\n<p>\u00a3150,000 \/ \u00a3200,000 = 0.75<\/p>\n<p>0.6 x 100 = 75<\/p>\n<p><strong>LTV needed:<\/strong> 75%[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/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;2&#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;][vc_column width=&#8221;1\/2&#8243;][vc_raw_html]JTNDaWZyYW1lJTIwd2lkdGglM0QlMjI1NjAlMjIlMjBoZWlnaHQlM0QlMjIzMjAlMjIlMjBzcmMlM0QlMjJodHRwcyUzQSUyRiUyRnd3dy55b3V0dWJlLmNvbSUyRmVtYmVkJTJGNjc4ZHR5alc3RkUlMjIlMjBmcmFtZWJvcmRlciUzRCUyMjAlMjIlMjBhbGxvdyUzRCUyMmFjY2VsZXJvbWV0ZXIlM0IlMjBhdXRvcGxheSUzQiUyMGVuY3J5cHRlZC1tZWRpYSUzQiUyMGd5cm9zY29wZSUzQiUyMHBpY3R1cmUtaW4tcGljdHVyZSUyMiUyMGFsbG93ZnVsbHNjcmVlbiUzRSUzQyUyRmlmcmFtZSUzRQ==[\/vc_raw_html][vc_empty_space empty_h=&#8221;2&#8243;][\/vc_column][vc_column width=&#8221;1\/2&#8243;][vc_column_text]<\/p>\n<h2><span style=\"color: #000000;\"><strong>How Much LTV Do I Need for a Bridging Loan?<\/strong><\/span><\/h2>\n<p><strong>The LTV you\u2019ll need for a bridging loan will depend on the amount you need to borrow as well as the value of the property in question. <\/strong><\/p>\n<p>While 75% LTV is the maximum a regulated bridging loan provider will typically go, unregulated lenders can go a lot higher.<\/p>\n<p>When figuring out the LTV you\u2019ll need on your bridging loan, it\u2019s best to only borrow what you really need, and pay the rest upfront using your own money.<\/p>\n<p>Octagon Capital can help you find loans ranging from \u00a350,000 to \u00a325 million, with loan terms up to 24 months and all credit scores considered.[\/vc_column_text][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; back_color=&#8221;color-lxmt&#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\/4&#8243;][vc_custom_heading]Try Our 80% LTV Bridging Loan Calculator[\/vc_custom_heading][vc_column_text]By submitting this form I agree to being contacted by SPF Short Term Finance and I have read and accept the <a href=\"https:\/\/octagoncapital.co.uk\/#\">Terms and Conditions.<\/a>[\/vc_column_text][\/vc_column][vc_column width=&#8221;3\/4&#8243;]\n                <div class='gf_browser_safari gform_wrapper gform_legacy_markup_wrapper gform-theme--no-framework' data-form-theme='legacy' data-form-index='0' id='gform_wrapper_2' ><form method='post' enctype='multipart\/form-data'  id='gform_2'  action='\/wp-json\/wp\/v2\/pages\/4529' data-formid='2' novalidate><div class='gf_invisible ginput_recaptchav3' data-sitekey='6LcBLH4hAAAAAAkiBLbjMN7SldUKKP753lD8123-' data-tabindex='0'><input id=\"input_7adb07a7682105668df894108ea13e2e\" class=\"gfield_recaptcha_response\" type=\"hidden\" name=\"input_7adb07a7682105668df894108ea13e2e\" value=\"\"\/><\/div>\n                        <div class='gform-body gform_body'><ul id='gform_fields_2' class='gform_fields top_label form_sublabel_below description_below'><li id=\"field_2_1\" class=\"gfield gfield--type-slider gf_left_half field_sublabel_below gfield--has-description field_description_below gfield_visibility_visible\"  data-js-reload=\"field_2_1\" ><label class='gfield_label gform-field-label' for='input_2_1'>Loan Amount<\/label><div class='ginput_container ginput_container_slider'><input name='input_1' id='input_2_1' type='text' step='250000' min='250000' max='25000000' data-value-visibility='show' data-connect=false value='12625000' class='slider medium' data-min-relation='' data-max-relation='' data-value-format='currency' data-currency='{\"name\":\"Pound Sterling\",\"symbol_left\":\"&#163;\",\"symbol_right\":\"\",\"symbol_padding\":\" \",\"thousand_separator\":\",\",\"decimal_separator\":\".\",\"decimals\":2,\"code\":\"GBP\"}'    \/><div id='gsfslider_1' class='slider-display'><\/div><\/div><div class='gfield_description' id='gfield_description_2_1'>Please give us a call if you require more than \u00a325,000,000<\/div><\/li><li id=\"field_2_2\" class=\"gfield gfield--type-slider loan-length gf_right_half field_sublabel_below gfield--no-description field_description_below gfield_visibility_visible\"  data-js-reload=\"field_2_2\" ><label class='gfield_label gform-field-label' for='input_2_2'>Loan 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id='gform_source_page_number_2' value='1' \/>\n            <input type='hidden' name='gform_field_values' value='' \/>\n            \n        <\/div>\n                        <\/form>\n                        <\/div><script type=\"text\/javascript\">\n\/* <![CDATA[ *\/\n gform.initializeOnLoaded( function() {gformInitSpinner( 2, 'https:\/\/octagoncapital.co.uk\/wp-content\/plugins\/gravityforms\/images\/spinner.svg', true );jQuery('#gform_ajax_frame_2').on('load',function(){var contents = jQuery(this).contents().find('*').html();var is_postback = contents.indexOf('GF_AJAX_POSTBACK') >= 0;if(!is_postback){return;}var form_content = jQuery(this).contents().find('#gform_wrapper_2');var is_confirmation = jQuery(this).contents().find('#gform_confirmation_wrapper_2').length > 0;var is_redirect = contents.indexOf('gformRedirect(){') >= 0;var is_form = form_content.length > 0 && ! is_redirect && ! is_confirmation;var mt = parseInt(jQuery('html').css('margin-top'), 10) + 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       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();                        observer.disconnect();                    }                });            });            observer.observe( document.body, {                attributes: true,                childList: false,                subtree: true,                attributeFilter: [ 'style', 'class' ],            });        } else {            triggerPostRender();        }    } );} ); \n\/* ]]> *\/\n<\/script>\n[\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; back_color=&#8221;color-lxmt&#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]<\/p>\n<h2 style=\"text-align: left;\"><span style=\"color: #571577;\"><span style=\"color: #000000;\">What Can <\/span>Affect<span style=\"color: #000000;\"> the <\/span>LTV<span style=\"color: #000000;\">\u00a0I&#8217;m Offered?<\/span><\/span><\/h2>\n<ul>\n<li>The amount you wish to borrow<\/li>\n<li>Your deposit<\/li>\n<li>Your affordability<\/li>\n<li>Your income<\/li>\n<li>The details of the property<\/li>\n<li>Growth potential<\/li>\n<li>Exit strategy<\/li>\n<\/ul>\n<p>There are various different factors that can affect the LTV of the bridging loan you\u2019re offered. Ultimately, you\u2019ll have to prove through the application that you\u2019re trustworthy to lend to and can be relied on to pay the loan when expected.[\/vc_column_text][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; back_color=&#8221;color-lxmt&#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]<\/p>\n<h2 style=\"text-align: left;\"><span style=\"color: #571577;\"><span style=\"color: #000000;\">What&#8217;s the Maximum <\/span>LTV <span style=\"color: #000000;\">on a <\/span>Bridging Loan<span style=\"color: #000000;\">?<\/span><\/span><\/h2>\n<p>For regulated providers, the maximum LTV you can expect to get is 75%, however you can get higher than this, with the potential for 100% LTV depending on the provider.<\/p>\n<p>Lenders will only offer this maximum amount under certain circumstances &#8211; for example, if you use an additional asset to secure the loan and thereby lower the lender\u2019s risk in lending.[\/vc_column_text][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; back_color=&#8221;color-lxmt&#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]<\/p>\n<h2 style=\"text-align: left;\"><span style=\"color: #571577;\">Eligibility Criteria <span style=\"color: #000000;\">for 80% <\/span>LTV Bridging Loan<\/span><\/h2>\n<p>Octagon Capital\u2019s eligibility criteria for bridging loans include:<\/p>\n<ul>\n<li>18+ years old<\/li>\n<li>Must have an exit strategy<\/li>\n<li>All credit histories considered<\/li>\n<li>Property is subject to valuation<\/li>\n<li>Minimum borrowing amount must be \u00a350,000<\/li>\n<li>Available in the U.K.<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; back_color=&#8221;color-lxmt&#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]<\/p>\n<h2 style=\"text-align: left;\"><span style=\"color: #571577;\"><span style=\"color: #000000;\">How Much Does a <\/span>Bridging Loan <span style=\"color: #000000;\">Cost?<\/span><\/span><\/h2>\n<p>The cost of the loan will depend on the amount you\u2019re borrowing and how long you\u2019re borrowing the bridging loan for. Rates start at 0.59% per month, and other fees can include broker fees (1%) the lender fee (2%), solicitor fees and valuation fees.<\/p>\n<p>You can discuss your options today with Octagon Capital.[\/vc_column_text][vc_empty_space empty_h=&#8221;2&#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_custom_heading]<\/p>\n<h2 style=\"text-align: center;\"><span style=\"color: #ffffff;\"><strong>FAQs<\/strong><\/span><\/h2>\n<p>[\/vc_custom_heading][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; back_color=&#8221;color-gyho&#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_accordion][vc_accordion_tab gutter_size=&#8221;2&#8243; column_padding=&#8221;2&#8243; title=&#8221;Is Octagon Capital a broker?&#8221; tab_id=&#8221;1631094133-1-26&#8243;][vc_column_text]Yes, Octagon Capital are a broker. We&#8217;re based in London and authorised by the FCA (Financial Conduct Authority).<\/p>\n<p>This means that we don&#8217;t provide the loans ourselves, but will help connect you to the loan most appropriate for you from our providers.<\/p>\n<p>Octagon Capital have partnered with SPF Short Term Finance, who process all enquiries.[\/vc_column_text][\/vc_accordion_tab][vc_accordion_tab gutter_size=&#8221;2&#8243; column_padding=&#8221;2&#8243; title=&#8221;When should you use a bridging loan?&#8221; tab_id=&#8221;1631094133-2-6&#8243;][vc_column_text]Bridging loans are often used to help &#8220;bridge the gap&#8221; between the purchase of one house and the sale of another.<\/p>\n<p>Bridging loans can help to solve temporary issues with cash flow &#8211; for example, helping a borrower purchase a new house while waiting for the funds from the sale of their current house to come through.[\/vc_column_text][\/vc_accordion_tab][vc_accordion_tab gutter_size=&#8221;2&#8243; column_padding=&#8221;2&#8243; title=&#8221;How do you repay a bridging loan?&#8221; tab_id=&#8221;1631094823313-2-8&#8243;][vc_column_text]You can repay a bridging loan in various different ways. A common way to pay back your bridging loan is to make standard monthly repayments, however, some also opt to roll over their interest until the very end of their loan&#8217;s term.<\/p>\n<p>[\/vc_column_text][\/vc_accordion_tab][vc_accordion_tab gutter_size=&#8221;2&#8243; column_padding=&#8221;2&#8243; title=&#8221;How long can I borrow a bridging loan for?&#8221; tab_id=&#8221;1631095002233-3-1&#8243;][vc_column_text]The length of time you can borrow a bridging loan for varies considerably. For regulated providers, the maximum loan term is typically around 12 months, this going up to 24 months for unregulated providers.<\/p>\n<p>[\/vc_column_text][\/vc_accordion_tab][vc_accordion_tab gutter_size=&#8221;2&#8243; column_padding=&#8221;2&#8243; title=&#8221;Can I take out a bridging loan without security?&#8221; tab_id=&#8221;1631095148787-4-2&#8243;][vc_column_text]No, bridging loans are always secured, meaning you will have to secure a valuable asset to the loan.<\/p>\n<p>This asset is usually the property you&#8217;re trying to raise money for, the amount you can take out based on the value of this property as well as other details of your application.[\/vc_column_text][\/vc_accordion_tab][\/vc_accordion][\/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;color-gyho&#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;accent&#8221; size=&#8221;btn-lg&#8221; wide=&#8221;yes&#8221; hover_fx=&#8221;outlined&#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; wide=&#8221;yes&#8221; hover_fx=&#8221;outlined&#8221; border_width=&#8221;0&#8243; link=&#8221;url:mailto%3Asales%40octagoncapital.co.uk|title:Email%20us%20at%20sales%40octagoncapital.co.uk||&#8221;]Email us at sales@octagoncapital.co.uk[\/vc_button][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; back_color=&#8221;color-uydo&#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]<\/p>\n<p style=\"text-align: center;\"><strong>THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.<\/strong><\/p>\n<p style=\"text-align: center;\">A maximum fee of 1% of the loan amount is payable \u2013 for example on a mortgage of \u00a3100,000 the fee would be \u00a31,000, the exact fee will be dependent on your circumstances. For Bridging Finance where the net loan amount is \u00a3150,000 or below, the maximum fee charged is \u00a31,995.<\/p>\n<p style=\"text-align: center;\">SPF Short Term Finance is a trading style of SPF Private Clients Limited which is authorised and regulated by the Financial Conduct Authority (FCA).<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/section>","protected":false},"excerpt":{"rendered":"<p>[vc_row row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;2&#8243; top_padding=&#8221;6&#8243; bottom_padding=&#8221;6&#8243; back_image=&#8221;4510&#8243; parallax=&#8221;yes&#8221; overlay_color=&#8221;color-jevc&#8221; overlay_alpha=&#8221;35&#8243; equal_height=&#8221;yes&#8221; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; bottom_divider=&#8221;tilt&#8221;][vc_column column_width_percent=&#8221;100&#8243; position_vertical=&#8221;middle&#8221; gutter_size=&#8221;3&#8243; overlay_alpha=&#8221;50&#8243; [&hellip;]<\/p>\n","protected":false},"author":10,"featured_media":4539,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>80% LTV Bridging Loans - Get a Quote | Octagon Capital<\/title>\n<meta name=\"description\" content=\"Find 80% LTV (Loan-to-Value) Bridging Loans through Octagon Capital. 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