No kitchen, no working bathroom, or structurally unsound? Standard mortgages won't touch it — our bridging lenders will.
We have whole of the market access allowing us to find our customers the best possible deal.
A property missing a working kitchen or bathroom, without a functioning heating system, or affected by significant structural issues is usually classed as uninhabitable and unmortgageable by high street lenders. This is exactly the gap bridging finance fills — funding the purchase so you can carry out the works needed to bring the property up to a standard where it can be refinanced or sold conventionally.
Properties stripped back for renovation, or never fitted out, are still viable security for the right bridging lender.
Subsidence, damp, or significant disrepair can often still be funded, subject to survey and a clear works plan.
We can help arrange finance to purchase and repair properties affected by fire, flood or other damage.
Typically a missing or unusable kitchen or bathroom, no working heating, or significant structural problems. High street lenders usually class these properties as unmortgageable.
Yes. Bridging finance can fund the purchase so you can carry out the works needed to sell the property or refinance it conventionally.
Often, yes — subject to a survey and a clear plan for the repair works.
No. Raise Commercial Ltd is not authorised or regulated by the Financial Conduct Authority. We arrange unregulated commercial and investment property finance only. We never lend against a property that is or will become the borrower's or their family's home.
