Do TAB charge exit fees for residential bridging loans? - first-charge-residential

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.

How much can I borrow using first charge residential bridging loans? - first-charge-residential

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? - first-charge-residential

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.

What are residential first charge bridging loans? - first-charge-residential

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.

Why TAB Bridge?

Rates from 4.50%

Plus Bank of England base rate.

up to 70% LTV

With options to discuss higher LTVs case-by-case.

Fast Decisions

Streamlined process with quick credit and legal turnaround.

Flexible Terms

Up to 24 months

£100k to £5M Loans

A broad range to suit most bridging requirements.

Light Works Allowed

Refresh and fit-out options accepted (no planning needed).

Geographical Reach

England, Wales, and mainland/non-rural Scotland.

Wide Borrower Types

Individuals, LTDs, LLPs – all UK-tax registered borrowers welcome.

Transparent costs

2% arrangement fee. No exit fee.

Make an enquiry

Residential property lending

Includes semi-commercial properties with
50% residential space

LTV	Margin from*
Up to 55%	4.50%
Up to 65%	5.00%
Up to 70%	5.50%
Over 70%	6.00%

Commercial property lending

Includes semi-commercial properties with
50% residential space

LTV	Margin from*
Up to 55%	5.00%
Up to 65%	5.50%
Up to 70%	6.00%
Over 70%	Not offered

* plus Bank of England base rate

Eligibility & Criteria

Eligibility

Individuals, LTDs & LLPs (UK tax registered)
First charge security (second charge considered)
Property in England, Wales or mainland/non-rural Scotland
Leasehold (min 65 years), Freehold or Feuhold

Credit Profile

No secured arrears in 12 months
Max 1 CCJ >£750 in last 24 months
IVA/BKO/CVA – none in last 3 years

Unacceptable property types

100% Timber Frame

Football clubs/training grounds

Restrictive Occupancy covenants

Operating Care homes

Operating Schools and childcare nurseries

Nightclubs/Adult entertainment

Gambling or gaming premises

Equestrian centres

Golf clubs

Places of worship

Properties <10 years old without Warranty/PCC

Land

Petrol Stations

Farming/Agricultural properties

Grade I listed properties

Mobile Homes/Houseboats

Freehold flats or maisonettes

Properties containing Mundic materials

Properties requiring structural works

Properties with works requiring planning permission

Make an enquiry

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.

Broker / borrower enquiries

0208 057 9070

enquiries@tabhq.com

General enquiries

0208 057 9070

help@tabhq.com

Case studies

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

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... ..

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