Unmortgageable Property Bridging
Finance for properties that can't get a standard mortgage
Some properties can't get a standard mortgage - whether due to construction type, condition, or lease length. Bridging loans can fund the purchase, giving you time to resolve the issues and refinance to a conventional mortgage.
60-70%
Typical LTV
0.65-0.90%
Typical Rate/month
What we can finance
✓
Non-standard construction
Concrete, steel frame, timber, or unusual building methods
✓
Short leases
Leasehold with less than 80 years remaining
✓
Properties needing work
No kitchen, bathroom, heating, or major repairs needed
✓
Structural issues
Subsidence, Japanese knotweed, or other defects
Things to consider
- • Exit strategy must show how issues will be resolved
- • May need specialist surveys (structural, environmental)
- • Lease extensions can take 6-12 months to complete
- • Some issues (e.g., severe subsidence) may not be fixable
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