Residential Refinance Exit
CommonRefinance to a residential mortgage for your own home
What Lenders Need
- Proof of income (employment or self-employed)
- Credit profile suitable for residential mortgage
- Property must meet residential mortgage criteria
- Agreement in Principle strongly recommended
Key Considerations
- Regulated bridging required if owner-occupied
- AIP from mortgage lender significantly strengthens case
- Credit issues may affect mortgage availability
- Self-employed may need 2 years accounts
Lenders Accepting This Exit
| Lender | Rate From | Max LTV | Notes |
|---|---|---|---|
| Shawbrook | 0.52% /mo | 75% | Regulated bridging available |
| Together | 0.55% /mo | 75% | Flexible on income types |
| United Trust Bank | 0.50% /mo | 70% | Quick on regulated cases |
| Precise Mortgages | 0.58% /mo | 70% | Good for complex income |
| Aldermore | 0.60% /mo | 70% | Has in-house residential product |
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