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Bridging LoansClear & Simple

Fincorp is one of the UK's most established and respected bridging loan companies. For more than 25 years the company has been providing 1st and 2nd charge bridging finance on residential properties in London and Southern England. Our bridging loans vary typically between £100,000 and £10 million, and we lend up to 70% value of the property secured on the property. And because you deal only with decision-makers, your bridging loan requirements are always dealt with quickly and with the minimum of fuss.

Why Fincorp for Bridging Loans?

We're a Principal Lender. Customers are able to get a decision quickly on their bridging loan without having to wait for authorisation from anyone else. And there's no back-tracking at a later date. So that means when we say yes to a loan, we mean it.

Our approach to business is summed up in two words, Clear and Simple. We believe that bridging lending is a straightforward business, all too often complicated by lenders with their lack of transparency and reliance on the small print. We work hard to make your dealings with us as clear and simple as possible.

Our Criteria

  • Principal Lender
  • 1st and 2nd Charges
  • London and South East
  • Residential properties
  • Bridging Loans from £100,000 - £10 million
  • Up to 70% LTV

Enquiry/Application for Individual Applicants


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Latest News

Fincorp offers light refurb bridge

Fincorp is now offering a light refurbishment bridging loan after seeing strong demand for finance to fund auctioned properties. The loan is suitable for properties needing modernisation or the addition of facilities including a kitchen or bathrooms and which wouldn’t qualify for a buy-to-let mortgage under existing criteria in the market.  The minimum loan size is £100,000, funding is available up to £5m and the costs of refurbishment must not exceed 20% of the value of the property.

Nigel Alexander, director at Fincorp, said: “Short-term funding is the life blood of auction finance and it’s a market we’ve been dealing with for 25 years.

“In the past buy-to-let lenders were the dominant force for this sort of lending but as with the wider market, they’ve cracked down on criteria and there are good deals they just won’t lend against.

“Our light refurb loan is designed with developers in mind and offers flexible finance fast to allow clients to buy undervalued properties, do them up and either refinance onto a buy-to-let mortgage or sell them on.”

The lender is also offering to do a 50:50 split on refurbishment costs with the borrower, giving much more flexibility to developers looking to employ their own capital efficiently.

Chris Coleman-Smith, lead auctioneer at Savills, welcomed Fincorp’s commitment to the auction market.

And he said: “Auction properties are usually in need of some updating and the type of finance Fincorp brings to the table is critical for buyers looking to get a deal done.

“Finance has to be fast and reliable in this business because you put down a deposit the day you buy. Bridging has become the first port of call and with Fincorp, buyers know they’ll stump up the cash.”

Brokers referring business to Fincorp have direct access to decision makers and can speak to any of the directors to get reassurance that a deal will go through.

“Knowing that you will get an almost immediate decision in principal is mission critical for people buying at auction,” added Alexander.

“Even if buyers can get a mainstream mortgage, the application and approval process is so drawn out that they’ve lost the property by the time the lender delivers. Bridging fills that gap and makes the difference between a done deal and a dead deal.”

The fee-free product, which has a negotiable monthly rate and maximum loan to value of 70% irrespective of purchase price, is available immediately and is being showcased at Savills’ upcoming auction on 17 June 2013.