First charge residential bridging loans

Get fast, short-term access to the capital you need to complete your project

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TAB. Trust. Transparency.

1. Efficient and flexible service
2. Terms from one to 24 months
3. LTVs up to 75%
4. No exit fees
5. AVMs accepted
6. OMV on loans up to £2,500,000
7. Title indemnity insurance available
8. Over 50 years of lending experience

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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

Fixed interest rate:
from 10.80% pa
Minimum loan:
£100,000
Maximum loan:
£750,000
LTV:
up to 70%
Term:
maximum 24 months
Exit fee:
none

Tracker interest rate:
from 6.00% pa over BoE base
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 step 1
Borrower applies

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

borrower step 2
Decision made

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

borrower step 3
Perfect match

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

We want to make sure you have the right support for you. Whether it's a current deal, an enquiry or your investor account. You can speak to one of our team members from Monday to Friday 9am to 5:30pm

Get started with residential bridging loans today

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


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Frequently asked questions

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. 

If you would like to take our first charge residential bridging loan then typically TAB's minimum is £100,000 and the maximum is £15m.

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

2866 - Haringey, London
2866 - Haringey, London
The property is a freehold, newly built detached house currently finished to shell and core. The 8,826 sq ft property also includes a large garden and swimming pool at basement level. The client required a £4,725,000 loan with an LTV of 70% and a rate of 9.60% pa to refinance... ..
1495 - Southwark, London
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
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... ..

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.

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