Scotland bridging loans
At Hope Capital, we’ve built a solid track record lending in Scotland, helping countless brokers and borrowers make the most of residential, semi-commercial, and commercial opportunities since 2018.
Our Exclusives
Residential fast-track:
75% LTV at 0.85%
Commercial to residential conversions~:
70% LTV at 0.92%
Commercial to semi-commercial conversions~:
65% LTV at 0.95%
Our Core Products
Residential:
Up to 75% LTV from 0.85%
Semi commercial:
Up to 70% LTV from 0.94%
Commercial:
Up to 65% LTV from 0.99%
Loan size:
£100k-£5m
Term:
3-18 Months
Key Features
01
Full title insurance: Available on all property types up to £1m (higher by referral)
02
Instant valuations+: Up to 75% LTV available on property values up to £750k, at no cost to the borrow up to £1m
03
Desktop valuations+: Up to 75% LTV available on property values up to £1m. Up to 65% LTV on property values up to £2m. Delivered within 48 hours
04
Flexible payment options: Deducted, full serviced, part & part and flexi
05
No exit fees
Key uses
- All bridging deals: suitable for purchasing an investment property, refinance, re-bridging or capital raising for business purposes
- Auction: 28-day turnaround available with dual representation and instant valuations
- Light refurb: examples include decorating, replacement of kitchens, bathrooms, electrical rewiring, plumbing, windows & doors. Max LTV 75%
- Medium refurb: suitable for moderate to extensive repairs, including extensions, change of use, conversions and can also cover projects which require permitted development rights or planning permission. Max LTV 75%
-
Heavy refurb: ideal for heavy structural works and conversions, those involving building regulations approval or planning permission generally. Max LTV 70%
Eligibility
- 18+
- All types of borrowers considered
- UK, foreign nationals, and expats
- Gifted deposits accepted
- Adverse credit considered
All the perks of Hope Capital:
Enquiries: Responded to within 1 hour
AIP: Issued within 2 hours
Initial due diligence: Commenced immediately upon receipt of the application
Funds: Typically, be made available between 1 to 4 weeks. 28-day turnaround for auction purchases
We’re professionals at delivering solutions.
See for yourself
First Dual+ Completion Showcases Exactly What the Product was Made For
Helping a property developer leverage idle commercial property
Helping developer capitalise on BMV auction purchase!
Fast tracking deals to beat the stamp duty deadline for our borrowers!
Funding 100% purchase price with large loan
Last minute deal restructure expands facility from 4 to 7 units
Let's start a conversation
David Weir
National Account Manager Scotland, North of England, and London
07810 235 763
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x Heavy refurb includes exit fee of 0.5%
* For max LTV on medium/heavy refurb homeowners and/or large portfolio only
~ Permission for works must be in place before completion
+ The valuation method chosen will be confirmed at application stage, following initial due diligence and at underwriting discretion. A pre-completion video walkthrough will be required, at no cost to the borrower