Capital at risk, View the risks here
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Rates from 4.50% Plus Bank of England base rate. |
up to 70% LTV With options to discuss higher LTVs case-by-case. |
Fast Decisions Streamlined process with quick credit and legal turnaround. |
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Flexible Terms Up to 24 months |
£100k to £5M Loans A broad range to suit most bridging requirements. |
Light Works Allowed Refresh and fit-out options accepted (no planning needed). |
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Geographical Reach England, Wales, and mainland/non-rural Scotland. |
Wide Borrower Types Individuals, LTDs, LLPs – all UK-tax registered borrowers welcome. |
Transparent costs 2% arrangement fee. No exit fee. |
Includes semi-commercial properties with
51% residential space
LTV |
Margin from* |
Up to 55% |
4.50% |
Up to 65% |
5.00% |
Up to 70% |
5.50% |
Over 70% |
6.00% |
Includes semi-commercial properties with
50% residential space
LTV |
Margin from* |
Up to 55% |
5.00% |
Up to 65% |
5.50% |
Up to 70% |
6.00% |
Over 70% |
Not offered |
* plus Bank of England base rate
Light refurb only (e.g., redecoration, no layout changes)
Internal fit-out only (no structural works – cost to be covered by borrower)
100% Timber Frame
Football clubs/training grounds
Restrictive Occupancy covenants
Operating Care homes
Operating Schools and childcare nurseries
Nightclubs/Adult entertainment
Gambling or gaming premises
Equestrian centres
Golf clubs
Places of worship
Properties <10 years old without Warranty/PCC
Land
Petrol Stations
Farming/Agricultural properties
Grade I listed properties
Mobile Homes/Houseboats
Freehold flats or maisonettes
Properties containing Mundic materials
Properties requiring structural works
Properties with works requiring planning permission
We want to make sure you have the right support for you. Whether it's a current deal, an enquiry or your investor account. You can speak to one of our team members from Monday to Friday 9am to 5:30pm
Contact one of our experts now for more information on our residential bridging loans.
TAB lends directly to borrowers or through intermediaries. We offer residential loans of up to 70% of the valuation of your project, including the cost of borrowing. There are no exit fees, and we do not lend against your principal residence.
If you would like to take our first charge residential bridging loan then typically TAB's minimum is £100,000 and the maximum is £15m.
Are residential first charge bridging loans short or long term? Residential first charge bridging loans are usually short term. Typically bridging finance loans are usually between 3-24 months. TAB lends on a first charge basis and our experience means we can be flexible with our valuations and consider projects that more traditional lenders would not.
Residential first charge bridging loans are loans secured against UK residential properties. In the case of a first charge, the lender (TAB) will take precedence and first rights on the property. Common uses of first charge loans include the purchase of investment properties, investment property chain breakers, capital raises, completion of refurbishment and refinancing.
For more information you can view our full list of frequently asked questions here.
TAB knows the value of keeping things simple and transparent for everyone. Whatever the size or scope of your plans, our expert team of underwriters, business development managers, and an in-house legal team are here to help with your requirements. Book a meeting with one of our team today.
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