Residential Bridging Loans

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 refurbishment and refinancing.

TAB lends directly to borrowers or through intermediaries. We offer residential loans of up to 70% of the valuation of your project, including the cost of borrowing. There are no exit fees, and we do not lend against your principal residence. There are other instances TAB might lend a first charge residential loan and our experience means we can be flexible with our valuations and consider projects that more traditional lenders would not. We pride ourselves on trust and transparency.

TAB loans are unregulated. Any property used as security is at risk of repossession if you do not keep up with your payments.

Residential bridging finance product details

Interest rate:

From 0.65% pm

Minimum loan:

£100,000

Maximum loan:

£10,000,000

LTV

up to 70%

Term:

Maximum 24 months

Exit fee:

None

Other charges may apply

How it works

Borrower applies

Following an initial inquiry, borrowers apply for a short-term loan through our application process.

Decision made

Our team undertakes their due diligence and underwriting process on the borrower and the security property. Terms are then agreed.

Perfect match

The loan is then matched with investors on the TAB platform. Funds are typically available within just 14 days.

Make an enquiry

Get started with residential bridging loans today

Contact one of our experts now for more information on our residential bridging loans.

Frequently asked questions

If you would like to take our first charge residential bridging loan then typically TAB's minimum is £100,000 and the maximum is £10m.

Are residential first charge bridging loans short or long term? Residential first charge bridging loans are usually short term. Typically bridging finance loans are usually between 3-24 months. TAB lends on a first charge basis and our experience means we can be flexible with our valuations and consider projects that more traditional lenders would not.

Residential first charge bridging loans are loans secured against UK residential properties. In the case of a first charge, the lender (TAB) will take precedence and first rights on the property. Common uses of first charge loans include the purchase of investment properties, investment property chain breakers, capital raises, completion of refurbishment and refinancing.

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

Case studies

1495 - Southwark, London

The client required a first charge residential of £445,000 for 12 months. TAB offered the loan at 1.00% interest per month with refinancing on a buy-to-let mortgage as the exit strategy. The client needed access to finance in order to purchase the property under market value due to the specific... ..

1525 - Westminster, London

An existing client of TAB’s needed £3,250,000 first charge residential loan to raise capital for funds for further investments. The property was a four bedroom penthouse apartment forming part of a modern residential development. The client’s exit strategy was to refinance the property, the LTV was 53% and TAB agreed... ..

1212 - Wembley, London

The client needed a first charge residential loan of £333,000 to purchase a new build residential property with a new lease created for a period of 999 years. The client’s exit strategy is to refinance on to a buy-to-let mortgage. TAB lent the funds for 0.95% per month at an... ..

Our team

TAB knows the value of keeping things simple and transparent for everyone. Whatever the size or scope of your plans, our expert team of underwriters, business development managers, and an in-house legal team are here to help with your requirements. Book a meeting with one of our team today.