Scotland bridging loans
At Hope Capital, we’ve built a solid track record lending in Scotland, helping countless brokers and borrowers make the most of residential, semi-commercial, and commercial opportunities since 2018.
Our Exclusives
Residential fast-track:
75% LTV at 0.85%
Commercial to residential conversions~:
70% LTV at 0.92%
Commercial to semi-commercial conversions~:
65% LTV at 0.95%
Our Core Products
Residential:
Up to 75% LTV from 0.85%
Semi commercial:
Up to 70% LTV from 0.94%
Commercial:
Up to 65% LTV from 0.99%
Loan size:
£100k-£5m
Term:
3-18 Months
Key Features
01
Full title insurance: Available on all property types up to £1m (higher by referral)
02
Instant valuations+: Up to 75% LTV available on property values up to £750k, at no cost to the borrow up to £1m
03
Desktop valuations+: Up to 75% LTV available on property values up to £1m. Up to 65% LTV on property values up to £2m. Delivered within 48 hours
04
Flexible payment options: Deducted, full serviced, part & part and flexi
05
No exit fees
Key uses
- All bridging deals: suitable for purchasing an investment property, refinance, re-bridging or capital raising for business purposes
- Auction: 28-day turnaround available with dual representation and instant valuations
- Light refurb: examples include decorating, replacement of kitchens, bathrooms, electrical rewiring, plumbing, windows & doors. Max LTV 75%
- Medium refurb: suitable for moderate to extensive repairs, including extensions, change of use, conversions and can also cover projects which require permitted development rights or planning permission. Max LTV 75%
-
Heavy refurb: ideal for heavy structural works and conversions, those involving building regulations approval or planning permission generally. Max LTV 70%
Eligibility
- 18+
- All types of borrowers considered
- UK, foreign nationals, and expats
- Gifted deposits accepted
- Adverse credit considered
All the perks of Hope Capital:
Enquiries: Responded to within 1 hour
AIP: Issued within 2 hours
Initial due diligence: Commenced immediately upon receipt of the application
Funds: Typically, be made available between 1 to 4 weeks. 28-day turnaround for auction purchases
We’re professionals at delivering solutions.
See for yourself
Helping a property developer leverage idle commercial property
Helping developer capitalise on BMV auction purchase!
Fast tracking deals to beat the stamp duty deadline for our borrowers!
Funding 100% purchase price with large loan
Last minute deal restructure expands facility from 4 to 7 units
Providing breathing room to secure exit on 5 residential assets
Let's start a conversation
David Weir
National Account Manager Scotland, North of England, and London
07810 235 763
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Wholeheartedly recommend Hope Capital
I was reassured and had fantastic service from my BDM Ben Lavelle & Ryan Peers the underwriter. Ryan was exceptionally helpful and his knowledge was remarkable. Truly impressed.
It was a pleasure working with them.
Hope Capital totally recommend.
Ben/Andrew/charlie and everyone we deal with at Hope are amazing, they aren’t looking or seeking issues. Helping us resolve any issues that may arise and working endlessly to get deals across the line. Committed approachable and available. Good LTVs rates and flexibility. A lender who works with you and not against you. Thank you Hope as always
x Heavy refurb includes exit fee of 0.5%
* For max LTV on medium/heavy refurb homeowners and/or large portfolio only
~ Permission for works must be in place before completion
+ The valuation method chosen will be confirmed at application stage, following initial due diligence and at underwriting discretion. A pre-completion video walkthrough will be required, at no cost to the borrower