Secured Property Bridging Loans

Here at TAB, we have a number of secured loans that can help you unlock the capital you need for your specific project. We offer first charge, second charge and development finance so no matter what your project, we can help.

We offer both commercial secured loans and residential secured loans, providing you with short-term funding solutions for development, refurbishment or purchase of an investment property. Plus our innovative technology solutions allow us to deliver quotes on bespoke finance based on the potential of each project within 24 hours.

 

See our full list of secured property bridging loans below:

                 

TAB Tracker

TAB Tracker is a transparent interest rate that tracks the Bank of England (BoE) base rate. Available across all bridging and development finance products, TAB Tracker is designed for our borrowers who are comfortable tracking the BoE base rate, with the possibility that monthly payments could go up if the base rate rises.

Residential investment mortgage


Unlocking a new era in commercial mortgages, our innovative approach is tailored to support professional landlords and their long term sustainability goals. With a focus on environmental, social, and governance (ESG) principles, we go beyond the conventional to offer a transformative financing solution.

Commercial mortgage


Unlocking a new era in commercial mortgages, our innovative approach is tailored to support professional landlords and their long term sustainability goals. With a focus on environmental, social, and governance (ESG) principles, we go beyond the conventional to offer a transformative financing solution.

Fixed rate residential


TAB’s fixed rate residential loans are secured against UK residential properties. The fixed rate product is available for residential bridging loans up to £750,000. Common uses of first charge loans include the purchase of investment properties, investment property chain breakers, capital raises, completion of the refurbishment and refinancing.

First charge residential


TAB’s first charge residential loans are secured against UK residential properties. Our loans are designed to unlock the capital you need. Common uses of first charge loans include the purchase of investment properties, investment property chain breakers, capital raises, completion of the refurbishment and refinancing.

First charge commercial


TAB’s first charge commercial loans are secured against UK commercial properties. Common uses of first charge loans include the purchase of investment properties where finance is needed quickly, investment property chain breakers, capital raises on unencumbered properties, completion of refurbishment on investment properties or a refinance of properties.

Second charge residential


TAB’s second charge residential loans are secured against UK residential properties. Second charge loans allow you to borrow money on a second charge legal basis. This means that you can take another loan out on a property providing there is enough equity to pay your existing first charge, and the second charge loan. Second charge loans are often used for the redevelopment of existing properties or the purchase of an investment property.

Second charge commercial


TAB’s second charge commercial loans are secured against UK commercial properties. Second charge loans allow you to borrow money on a second charge legal basis. This means that you can take another loan out on a property providing there is enough equity to pay your existing first charge, and the second charge loan. Second charge loans are often used for the redevelopment of existing properties, the purchase of an investment property or even business expansion.

Land with planning


TAB’s land with planning loans are loans that are often used to purchase or refinance the land that has planning permission to build or develop both residential and commercial properties. As a trusted bridging lender, we can arrange land with planning loans for property developers and investors to help them secure the necessary funds for their projects.

Development finance


TAB’s development finance is a short term funding solution for up to 24 months for projects based in London and the home counties. TAB development loans are designed to unlock capital to assist with ground up developments, conversions, heavy and light refurbishments and finish and exit property projects.

Refurbishment


TAB’s efficient and flexible service means you can access the short term capital you need to refurbish your properties. If you have a property that needs refurbishment but do not have the capital to progress, then TAB's refurbishment product might be for you. Our refurbishment loan is an advanced bridging finance solution that allows borrowers to access the capital they need for their refurbishment projects quickly and without the cost of a full development loan.

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Frequently asked questions

The amount you can borrow on a secured property loan depends on the type of loan you are wanting to take out. Typically our minimum loan size is £100,000 and maximum is £15m.

A secured property loan is where you borrow funds from a lender that is secured against an asset you own. TAB is an unregulated lender we do not lend on your principal property, therefore the asset could be an investment property, commercial asset or land.

Bridging loan is a type of secured property loan. Due to the short term nature of bridging loans, the sum of money borrowed is due for repayment according to the terms that are agreed upon before the loan is completed. Interest is charged on secured property loans which is calculated on a monthly basis. Interest can be paid in one of two ways. Either monthly (serviced) or retained (unserviced). Retained means the total cost of the interest will be rolled up and added to the initial lump sum borrowed and due for repayment at the end of the loan term.

A second charge bridge loan on a residential or commercial property allows you to borrow money, providing there is enough equity whilst leaving your existing first charge in place. A second charge loan applies if you already have a loan secured against a property that already has an outstanding mortgage. For property improvements such as extensions, you would likely need to take out a second charge bridging loan if you already have a mortgage on the property. The distinction lets the lender know who has priority in the repayment if you can’t pay off the loan by the end of the term.

There are some costs that are associated when using bridging finance. Bridging loans also come with a higher rate of interest than a more typical mortgage. Of course, one needs to take a much shorter-term view of such things. Associated costs such as; legal fees, surveyors fees, arrangement fees and exit fees will have an impact on the overall costs of the loan, along with the duration of your loan. The longer term you agree the more it will cost in interest.

For more information you can view our full list of frequently asked questions here.

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