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Bridging Loans

Support your clients with flexible, residential buy-to-let bridging finance, including both bridge to exit and bridge to term solutions. We work in partnership with mortgage and commercial finance brokers, taking a practical and considered approach to help you place even complex cases with confidence.

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Our Residential Buy-to-Let Bridging Loans

Features & Benefits

Light/Medium Refurbishment

Light/Medium Refurbishment

Designed for residential property purchases that require non-structural improvements and are covered under permitted development rights.

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HMO Bridging Finance

HMO Bridging Finance

Access funds quickly to secure and refurbish HMO properties, helping investors move faster without the delays of traditional finance.

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Residential Auction Property Finance

Residential Auction Property Finance

Give your clients the confidence to act in competitive auction environments, with funding designed to meet tight deadlines and support successful completion.

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Semi-Commercial Bridging Finance

Semi-Commercial Bridging Finance

Flexible funding for semi commercial properties, assessed on rental income rather than floor space.

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Why Redwood Bank?

At Redwood Bank, we specialise in residential buy-to-let bridging loans, combining experience, speed and a practical approach to help you place even the most complex cases with confidence.

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Direct access to expert underwriters

Our lending team uses their expertise to assess each case in detail and look at the full picture. You have direct access to a designated underwriter who understands complex cases and is empowered to make informed decisions.

Fast decisions

Our credit-backed Decision in Principle process provides your clients with a fast, informed outcome based on creditworthiness, expected loan to value, and alignment with our lending policy.

Bridge to Term

If your client terms out the loan with Redwood Bank, they can expect a smooth and seamless transition into longer term finance, supported by a team that already understands their case. And, if they do choose to term out with Redwood, there are no exit fees to pay.

Standard Residential Buy-to-Let Bridging

  • Rates from 0.70% per month

  • Up to 75% loan to value (LTV) including fees and rolled interest

  • Loans from £100,000 to £2m

  • Terms of 6, 9 and 12 months with a further 12 months extension subject to discretionary approval

  • Rolled interest only with a bullet payment at the end of term

  • No facility fee

  • Residential, and semi commercial properties considered when the expected residential rental income is 50% or more

  • Investment valuations on HMOs (where appropriate)

  • Grade 2 Listed buildings and new builds

  • No ERCs after 3 months

  • No limit to maximum number of properties in a single deal

  • Arrangement fee of 2%, all paid to intermediary

Customer Criteria 

  • Evidence of being an experienced property investor

  • Lending to UK-based entities, including sole-trader, partnership or limited company and, individuals and expatriates

  • Maximum age 85 at the end of the loan term

  • Maximum 25% PG for the director/s – or a corporate guarantee if is considered to be more appropriate

Download our product guide
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Refurbishment Residential Buy-to-Let Bridging

  • Rates from 0.79% per month

  • Max LTV: Lower of up to 80% Day 1 LTV inclusive of rolled interest and fees, or 75% LTV of the post works value inclusive of rolled interest and fees

  • Loans from £100,000 to £2m

  • Terms of 6, 9 & 12 months with a further 12 months extension subject to discretionary approval

  • Rolled interest only with a bullet payment at the end of term

  • No facility fee

  • Residential, and semi commercial properties considered when the expected residential rental income is 50% or more

  • Non-structural improvements and are covered under permitted development rights.

  • Investment valuations on HMOs (where appropriate)

  • Grade 2 Listed buildings and new builds

  • No ERCs after 3 months

  • No limit to maximum number of properties in a single deal

  • Arrangement fee of 2%, all paid to intermediary

Customer Criteria

  • Evidence of being an experienced property investor and evidence of a minimum of two previously completed refurbishment projects

  • Lending to UK-based entities including sole-trader, partnership or limited company and, individuals and expatriates

  • Maximum age 85 at the end of the loan term

  • Maximum 25% PG for the director/s – or a corporate guarantee if is considered to be more appropriate

Download our product guide
Download

Bridging loan documents

Bridging Application Form
Download
Additional Property Form
Download
Schedule of Works Form (for refurbishment)
Download
Tariff of Charges
Download
Portfolio Schedule
Download
VAS Fee Scale
Download

Meet the Underwriting Team

Sarah Johnson

Sarah Johnson

Head of Underwriting

Omkar Hushing

Omkar Hushing

Senior Underwriting Manager

Gemma Bancroft

Gemma Bancroft

Senior Underwriter

Joanna McGillicuddy

Joanna McGillicuddy

Credit Underwriter

Stay with us

We offer Buy-to-Let Mortgages so you can seamlessly switch to one of these products when your bridge comes to an end.

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Stay with us

Find out more

Read our Product Guide to find out more about our products and interest rates.

Download our Product Guide

Calculate

Use our Bridging Loan Calculator to calculate the final repayment and the maximum loan amount for your client's case.

Bridging Loan Calculator

Bridging Loan

Get a fast decision for your client

Meet our Business Development Team

Our Decision in Principle process for bridging loan provides your clients with a decision based on their credit-worthiness, the expected loan-to-value (LTV) and is checked against our lending policy.

Mortgages are secured on your client’s property. Your client could lose their property if they do not keep up payments on their mortgage.