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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


10 Top Tips for finding the right bridging lender

Latest News

Release capital from your buy-to-let portfolio

Investing in buy-to-let is an increasingly popular option for many people in the UK, driven in large part by increasingly poor pensions provision but also by the good returns that property still offers longer term. The basics of buy-to-let have clear value for investors, both in terms of the income derived from rents and also the potential for capital uplift in the value of the underlying property. Indeed professionals in both residential buy-to-let and commercial investments are already benefiting from yields anywhere between 5% and 15% depending on their gearing and the complexity of the property set up.
But there are even more reasons to look carefully at buy-to-let, particularly if you already own a portfolio of properties. Legislation dating back more than 130 years allows property owners to claim back capital allowances against various fixtures and fittings in commercial properties and in many cases this can see landlords pay a small fee to claim tens of thousands of pounds back from HMRC.
How it works
As many as nine in 10 properties being used for commercial purposes in the UK are eligible for capital allowance tax relief that has never been used. The allowance is a form of relief available against any capital expenditure made buying, renovating or making adjustments to a commercial property. Additionally, there are some circumstances where the reliefs can be applied to buy-to-let properties as well. To qualify, residential properties should be shared flats or houses with two or more bedrooms, worth £100,000 or more and owned by UK taxpayers (individuals, UK trusts and UK companies) paying income tax at a rate of 40%.
At Fincorp we have a good working relationship with capital allowance specialists, Inventive Tax Strategies, who have been helping landlords reclaim income or corporation taxes previously paid and reduce their future tax liabilities for years. In their opinion it is possible to reach as much as 8% of the property purchase price for residential properties or up to 15-20% on commercial properties.
Beverley Loggia, sales director at Inventive Tax Strategies, says many qualifying UK landlords can claim capital allowances, including those with student lets, professional shares, and more traditional HMO lets.
In some circumstances that can mean there are tens of thousands of pounds worth of rebates available to the property owner, because this tax relief can be backdated to the year the property was purchased. One of the main reasons so many properties haven't taken advantage of the tax relief is because of the complexity of the claim process - your typical accountant won't necessarily know that relief is even available, much less how to go about claiming it.
What do I do?
The process with ITS is genuinely straightforward. They carry out a free initial capital allowances assessment after giving them some basic property and income details, and if this is promising and you wish to proceed, they appoint a surveyor to carry out a specialist plant and machinery survey to provide an unbiased valuation of the qualifying assets within the property.
"In addition, a due diligence process is undertaken to ensure previous owners have not already claimed in order to confirm your entitlement to claim," says Beverley. "We are confident that we can save tax on your property assets, hence our initial no-cost review to ascertain the potential extent of the tax savings available. Once determined we will agree a fee structure that suits you, normally between 3% and 7% of the capital allowances amount identified."
Finally, a claim report for submission to HMRC is compiled and sent to you and your accountant. The report is of a format commonly accepted by HMRC, highlighting the applied legislation, confirmation of ownership, entitlement to claim and the amount.
Case Study
Dr Smith had built up a portfolio of properties purchased throughout the past decade. The buy-to-let properties were let as multiple tenancies to students. Over 10 properties had been purchased. In addition, he claimed on his surgery premises. With help from ITS, Dr Smith was able to present a claim for capital allowances for the 2010/11 tax year of £74,309. As result in December 2011 he received a tax rebate of £30,853. He paid a fee for this service which itself was a professional expense and was tax deductible.