Complex Bridging Loan

You can borrow between £100,000 and £50,000,000, depending on your requirement.

Our complex bridging loan is often used where a quick turnaround is needed. Where deals get complicated, unexpected problems can make deadlines difficult to hit. To keep a project going, our complex loans can assure targets are met, while long-term solutions are planned. This support can be utilised for residential projects, commercial investments, rental opportunities and more.

Our complex bridging finance can be used for a range of property types. Including residential, semi-commercial, or commercial properties; single units or complex portfolios. As these loans are created with complex scenarios in mind, the underlying assets may also be complicated in nature. For example, you may need a complex bridging loan if you’re investing in a building with a pub, a tenanted residential flat, and a garage.

There may be little leeway for complicated deals in the current market. As rates and costs rose, mainstream banks pulled deals. It appears they may only have an appetite for the plainest of applications. With an uncertain future, they may be unwilling to lend to you if you present any complications.

What’s more, the bar may be lowered for what’s considered “complicated”. Anything less-than-perfect could be shunned. But, we understand the real world is tricky. We won’t just look at your finances and essentials when reviewing your claim. Our complex deals will factor in your business acumen, history in the market, and wider assets. We’re ready for what you bring to the table.

Our complex bridging loans can give you peace of mind when moving forward on a project. Where complications arise in a property investment strategy, it may raise red flags with high street lenders. But our product is designed to take complications into account. No matter what issues emerge – foreseen or not – you can receive funding quickly.

Anyone aged between 21 and 85 can qualify for our complex bridging loan. They can be claimed by those who may face complications because of their setup. Examples include corporate structures, self-employed workers, or overseas entities. This loan can also be issued to trusts, individuals, LLPs and SPVs.

We’re open to applicants from all countries, other than sanction states. We’re also happy to accept applications from a spectrum of financial backgrounds. Including broken chains, adverse credit, defaults, and more.

There is an arrangement fee across all our bridging products, starting from 1% of the gross loan amount. Additionally, we’ll refund commitment fees on drawdown. Our complex bridging loans also have an exit fee in some cases, however you will be told these fees upfront so that there are no hidden costs waiting for you further down the line.

All our loans are bespoke. They’re tailored to a client’s circumstances. But where your case may be especially difficult, our complex bridging loan will provide the best option. All our cases have an assigned underwriter and where they know they’re dealing with complexity; they may focus on your background and specifics.

Your application will be assessed on its own merit. This means the details we’ll need will depend on your specific circumstances. Certain documentation will be needed as a minimum, however.

We’ll need details on the investment and/or properties involved. This will include addresses, values, and other basics. You will also need to provide details on your exit strategy. If you can offer evidence for plans to sell an asset on, or a refinancing commitment, your application will likely progress more smoothly.

For complicated cases, we’ll likely need details on the elements that are causing the complications. If you’re supporting an application with overseas asset, we’d need to see evidence of this, for example.

All applications can be started by contacting us. Our website features a live chat system, and you can call us on +44 (0) 20 7060 1234. You can also email us by sending a message to info@mfsuk.com. All our queries are responded to within 4 hours and an underwriter will be in touch to discuss your case.