🏗️ Bridging & Development Finance in Guildford

Need fast, flexible funding in Guildford? ⚡ Whether you’re buying at auction 🏢, raising short-term capital 💷, or building/refurbishing 🛠️ in Burpham, Merrow, Shalford or Godalming, we’ll help you compare bridging and development options and move quickly. Where a recommendation is required, we’ll connect you with an FCA-regulated adviser.

⏳ When Bridging Finance Helps

• 🏡 Buy before you sell (chain breaks or delayed completion)
• 🔨 Auction purchases needing completion in 28 days
• 🛠️ Refurbishment projects not yet mortgageable
• 💼 Short-term capital release for time-sensitive opportunities

🤝 How We Help

• 📏 Assess loan size, security and exit strategy (sale or refinance)
• 📊 Compare lenders on speed, fees and true total cost
• 📑 Coordinate valuation, legal work and QS (for development)
• 💡 Structure drawdowns and interest (retained, rolled or serviced)

📦 Products We Arrange

• 🏠 Regulated bridging: Secured on your home, with consumer protections
• 📈 Unregulated bridging: Investment or business-purpose loans
• 🛠️ Light/heavy refurb: From cosmetic upgrades to structural works
• 🏗️ Development finance: Ground-up or major conversions with staged drawdowns

📋 Lender Criteria Snapshot

• 📉 LTV/LTGDV: Up to ~75% LTV bridging; developments keyed to LTGDV and build costs
• 🚪 Exit: Evidence of sale pipeline or refinance affordability
• 👷 Experience: Heavier schemes favour prior project track record
• 🏘️ Security: Property type, condition and planning status

💷 Timelines & Costs

• ⏱️ Speed: Indicative terms in 24–48h; completions often 1–3+ weeks
• 💰 Pricing: Quoted monthly (e.g., 0.x%–1.x%); fees include arrangement, exit, valuation and legal
• 📉 Interest: Retained/rolled keeps cashflow light; serviced reduces compounding

📍 Local Notes

Guildford’s mix of prime town-centre stock 🏙️ and family homes in Burpham/Merrow 🏡 supports quick resales and refinancing. For conversions near conservation areas 🌳 or along the river 🌊, early planning clarity helps valuation and lender comfort.

❓ Bridging & Development FAQs

⏱️ How fast can I complete?

With legals and valuation aligned, 1–2 weeks can be achievable; allow longer for complex titles or heavy works.

📉 What’s the typical maximum LTV?

Often up to ~75% LTV on bridging; development geared to LTGDV and equity input.

👷 Do I need experience?

Light refurb/standard bridges: not always. Heavy refurb/development: experience helps and can improve pricing.

🚪 What exits are acceptable?

Sale with realistic comps, or refinance to a term product (AIP/affordability evidence helps).

💸 Retained vs. serviced interest?

Retained/rolled preserves cashflow; serviced can lower total interest if monthly payments are sustainable.

🚀 Next Steps

Share the property, costs, and exit plan. We’ll outline suitable lenders and connect you with an FCA-regulated adviser to progress funding.