Deadline-led property funding reviewed by a London-based team.
For suitable business and investment-property transactions, the structure is driven by security, valuation, legal position, total cost and a credible route to repayment. Cashbook Finance provides business bridging only, secured on business or investment property. It does not offer regulated bridging loans secured on a home the borrower or a close family member lives in.
Not sure yet? Check eligibility in 2–3 minutes, or talk to a director.
Exit planned at month 9, delayed by 3 months
Exit still covers the loan
- Gross loan
- £300,000
- Property value
- £500,000
- Headroom at exit
- £14,000
- Suitable property security and title
- Independent valuation and workable LTV
- Clear use of funds and borrower contribution
- Evidence-led sale or refinance exit
Repay about £336,000 at month 12; a refinance at 70% of the value raises £350,000: covered, with £14,000 to spare.
The exit must remain credible after cost, delay and valuation pressure. Example only: 1% a month, rolled up, before fees.
Check eligibilityPractical fit
What makes a London bridging case credible.
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01
Security and value
Suitable property, clear title and an independent valuation that supports the requested gross loan.
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02
Purpose and cost
A defined transaction, visible borrower contribution and enough headroom for interest, fees and delay.
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03
Exit evidence
A realistic sale or refinance route supported by timing, marketability, affordability and contingency.
Where it fits
Where a short-term bridge may solve a timing mismatch.
Acquisition deadline
Complete before long-term finance is ready
Bridge a credible timing gap while a commercial mortgage or other refinance completes its full process.
Investment property
Acquire, complete light works, then sell or refinance
Fund a controlled purchase and works plan where the valuation, budget and exit remain coherent.
Capital release
Release funds against suitable property security
Use available equity for a defined business purpose with a credible repayment plan.
Assessment path
Keep the deadline visible without skipping the controls.
- 1
Initial fit
Property, purpose, gross loan, borrower contribution, charge position, deadline and exit.
- 2
Valuation
Independent evidence of current value, marketability and any works assumptions.
- 3
Legal review
Title, searches, security, undertakings, conditions and transaction documentation.
- 4
Completion
Final conditions, usable proceeds, interest treatment and a monitored repayment timetable.
Security risk: Your property may be repossessed if you do not keep up repayments on a loan secured against it. Bridging finance LTV guide
Anonymised case evidence
A commercial acquisition completed ahead of refinance.
A trading business used a short-term first-charge facility to meet a property-purchase deadline while its commercial mortgage process continued. The refinance was evidenced, but never treated as guaranteed.
The refinance was evidenced
Independent valuation and title information
Company accounts and management figures
Proof of deposit and transaction costs
Mortgage correspondence and delay contingency
Worked example
A London purchase on a deadline.
An investor buys a £650,000 London flat for refurbishment and resale with a £422,500 bridge, selling in month 9.
At London values the monthly interest is large, so the exit timetable is the number to stress-test.
| Property value | £650,000 |
|---|---|
| Gross loan (65% loan-to-value) | £422,500 |
| Arrangement fee, 1%, from the loan | £4,225 |
| Interest at 1% a month, rolled up, for 9 months | £38,025 |
| Repaid at exit (loan plus interest) | £460,525 |
| Cost before valuation and legal fees | £42,250 |
| If the exit is 3 months late | +£12,675 in interest |
Illustrative: interest at 1% a month, rolled up, and an arrangement fee of 1% of the loan. Valuation and legal costs are extra and quoted per case. Bridging finance is secured against property, which may be repossessed if repayments are not maintained.
Official sources
- Regulated Activities Order 2001, article 61 (regulated mortgage contracts) (opens in a new tab)legislation.gov.uk
- Stamp Duty Land Tax (opens in a new tab)GOV.UK
Official guidance and legislation on the rules this page refers to. They explain the rules in general; take advice on your own position.
London or remote
Review the deadline, security and exit with the team.
Meet by appointment in SE1 or progress the valuation, legal and evidence process remotely. Need working capital against unpaid invoices? See invoice finance in London. New to bridging? Start with the bridging loan overview.
Not sure yet? Check eligibility in 2–3 minutes, or talk to a director.