Who can get a Bridging Loan? are there any restrictions on age or type of borrower for bridging loans or this finance?

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"Zara arranged my Bridging Loan with ease so pleased with the service and attention to detail  I would highly  reccomend Easy Bridging"

"Great Company to work with arranged my loan at  a very good rates and was able to talk to Zara any time to deal with any problems I had

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Easy Bridging Loans  is a trading name of Top 10 finance Ltd is authorised by The Financial Conduct Authority (FCA) no 725234 The FCA   Think Carefully before securing debts against your home. Your property could be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. We are registered and comply with the Data Protection Act (1998). Registration No: Z2861884 Company registered in England number 06261373.  Privacy Policy

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Who can get a bridging loan?

Bridging loans & Bridging Finance are specifically geared towards customers that need a loan to buy property. Home buyers, landlords and amateur property developers are typical candidates, they all use this type of finance to access funding quickly rather than applying for a standard mortgage, which can take many months to complete.

 

Unlike traditional mortgages, bridging loans are repaid once you secure funds from the sale of the property you are borrowing against or from another funding line that may become available to you at a later date. Because the loan is secured against an asset, your credit rating is less important to the lender who will look towards the property rather than the lender to recover their loan when payment becomes due.

 

Furthermore, bridging finance companies tend to be more flexible than traditional mortgage lenders. It is accepted within the industry that some people develop a bad credit rating through no fault of their own and as a result, they cannot access finance that would otherwise be available to them.

 

Bad credit scores can easily be the result of a forced redundancy, critical illness, divorce or other circumstance that an individual could not have avoided, bridging loan lenders take this in their stride and a less interested in your credit file and more interested in the actual property that they secure the loan against.

 

In contrast, mortgage lenders prefer to check credit scores before deciding whether the borrower is considered a reliable candidate. Mainstream creditors typically prefer to see evidence of prompt monthly payments and loans that are paid off in full.

 

If in the past, you regularly made late payments, even a day or two late, some mortgage lenders will be reluctant to offer you a loan. Bridging companies do not look at credit history as critically on the grounds that loans are secured against the property.

 

Bridging loans are available to any legal entity including individuals, partnerships, Limited companies and LLP entities, borrowers will also need to be aged over 18, there's also no upper limited on how old you are when you take out the loan, unlike a traditional mortgage.

 

 

Easy Bridging Loans can arrange your loan with ease and will guide you through both the choice of loan and all of the processes that are associated with taking a bridging loan, because we specialise in this type of finance and nothing else, we will always have the answers to any problems that could be encountered along the way.

 

Get in touch now to discuss your requirement as professionals in this field and know the industry inside out, call us today or complete our online form to get things started.

 
 

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