Bridging Finance

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Bridging finance or bridging loans are short term lending solution for real specific needs.

Bridging finance is not for everyone and is only suitable in certain situations. At Mesa Financial we thoroughly assess your situation and your borrowing needs to ascertain which lending solution is the best match for you.

How does bridging finance work?

Bridging finance is very different to your traditional mortgage lending. Essentially the lenders will lend against the value and strength of the asset, whereas traditional mortgage lending you would require to show affordability on the lending.

We take into account our client’s full financial situation to see if bridging finance is a viable option. If a bridging loan is appropriate in your case, pricing can be personalised based on your financial situation, the strength of the asset and what you are looking to achieve. That is why it is so important to discuss your project with a specialist.

When would bridging finance be used ?

Bridging Loans can be used for all type of reasons. The main reasons are as follows.

  • A fast purchase is required, such as an auction.
  • The property is not suitable for normal mortgage purposes.
  • To bridge a gap between a sale and a purchase.
  • Short term cash flow solution for businesses.

Find out if bridging finance is the correct lending solutions by speaking to one of our advisers at Mesa Financial. We do the hard work for you. We assess your case thoroughly and explain your options.

Bridging Finance Features

  • Multiple bridging loans considered-quick completions
  • No maximum loan size
  • Rates as low at 3% p.a (rates change and will be detailed in our consultation)
  • 1st, 2nd & 3rd charge lending available
  • Available for all property types including residential, commercial, mixed use and many more
  • Land with or without planning can be considered for the right applicant
  • Lending to companies or individuals including offshore companies
  • No monthly payments payable in a majority of cases
  • Up to 75% LTV single properties and 100% with additional securities

Our role as your adviser

At Mesa Financial it is key that our clients come first. Our role as your adviser is to source the most competitive lending terms that can be delivered in the timescales required. We will educate our clients on the process as well as show them how to calculate the overall cost of funds. The cheapest interest rate does not necessarily mean the cheapest cost for the client within bridging finance. We are here to navigate you through the minefield of hidden costs and charges.