🏗 Bridging & Development Finance in Woking

Buying fast, renovating, or building in Woking, Horsell, Knaphill or West Byfleet? We arrange short-term bridging and development finance tailored to your timeline and exit. When you’re ready for a recommendation, we’ll connect you with an FCA-regulated adviser.

✔ Good Uses for Bridging

• 🏠 Secure a property before your sale completes
• 📈 Auction purchases with 28-day deadlines
• 🛠 Refurb projects not yet mortgageable (kitchens, bathrooms, structural)
• 💰 Short-term capital for opportunities or planning gains

💡 Our Role

• 📊 Scope loan, security and exit (sale/refi) against realistic timelines
• 💼 Compare lenders on speed, pricing and fees (total cost)
• 🗂 Manage valuation, title checks and build monitoring
• 💵 Set interest options: retained, rolled or serviced

🏦 Finance Types

• 📌 Regulated & unregulated bridging
• 🛠 Light/heavy refurbishment facilities
• 🏗 Development finance (ground-up/new build and conversions)

⚖ Lender Focus

• 📈 LTV/LTGDV: Typically up to ~75% LTV on bridges; developments based on LTGDV and cost-to-complete
• 🏡 Exit quality: Credible sale comps or refinance evidence
• 👷 Experience: Heavier schemes favour a proven CV
• 📍 Security: Location, EPC, planning and works schedule

⏱ Timing & Costs

• ⚡ Speed: Heads-of-terms in 24–48h; completions 1–3+ weeks
• 💰 Costs: Monthly interest + arrangement/exit/valuation/legal
• 💵 Interest: Retained/rolled for cashflow, serviced to limit compounding

📍 Local Notes

Central Woking apartments and commuter houses in Horsell/Knaphill sell well with the right spec. For leasehold bridges, check ground rent/service charges and lease length early to support exit.

❓ FAQs

Can I bridge against multiple properties?

✔ Yes — cross-charges can boost leverage; legal complexity may add time/cost.

Is planning permission required?

✔ For heavy refurb/development, clear planning status helps pricing and speed.

What’s a realistic term?

✔ Often 6–18 months; align the term to works, marketing and exit.

Can I refinance mid-project?

✔ Yes, via development exits or term products once the asset is mortgageable.

📌 Next Steps

Send project details, budget and exit. We’ll map lender options and connect you with an FCA-regulated adviser.