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Bridging Finance

Bridging finance is a short-term loan typically secured against a property. It is normally used when a traditional finance agreement such as a mortgage is unsuitable whether this is because the property does not meet the traditional requirements of mortgage lenders, the borrower does not meet normal mortgage criteria or because the finance is only required for a short term – between 1 month and 3 years.

With retained interest calculations, a lender will calculate the estimated interest charges for the term of the loan, add this to the loan advance and then retain the funds to service the interest payments every month until the loan is repaid or the term comes to an end.

Interest roll-up is when a lender agrees that the repayment of capital and interest can be deferred for a period, usually until the end of the loan term. In this period, you won't make any repayments at all. Interest will continue to be added to the loan monthly, weekly or possibly daily. In this situation you should make sure you understand the impact of compound interest, namely you will be paying interest on the interest each time a new interest amount is added.
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Commercial Mortgages

A commercial mortgage is a mortgage loan secured by commercial property, such as an office building, shopping centre, industrial warehouse, or apartment complex. The proceeds from a commercial mortgage are typically used to acquire, refinance, or redevelop commercial property.

You will typical require a 25% to 40% deposit, which varies based on the lenders calculation of the risks involved. Commercial investments are usually on the higher end of this scale. Owner-occupied commercial mortgages are seen as less risky for the lender and can be done with a 20%-25% deposit.

Once you have submitted your enquiry and any required documents, indicative terms are normally issued within 24 hours. The loan will normally complete within 6 to 8 weeks of submission of the full application but can take longer depending on the complexity of the case.
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As a mortgage is secured against your property, it could be repossessed if you do not keep up the mortgage payments.

Commercial Mortgages and some Bridging loans are not regulated by the Financial Conduct Authority.