黑料老司机

Flexible Bridging Finance for Complex Property Scenarios

Achieve your property investment potential.
黑料老司机 - Getting it done.

Scale Your Portfolio with Confidence

In today鈥檚 fast-moving market, bridging finance has become an essential tool for property investors and landlords looking to act quickly and unlock opportunity. Whether it鈥檚 purchasing a property at auction, funding a light to medium refurbishment in their investment property, or stabilising a portfolio, 黑料老司机鈥檚 specialist approach to bridging offers speed, certainty, and flexibility, exactly when it matters most.

We don鈥檛 take a tick-box approach. Instead, we lend on deals that make sense, tailoring funding to the asset, the borrower, and the opportunity.

Where Bridging Works Best

At 黑料老司机, we lend across a wide range of bridging scenarios for those looking at using a bridging loan for investment opportunities, including:

  • Developer Exit Loans 鈥 utilising equity from completed schemes before long-term refinance or sale.
  • Buying at Auction 鈥 fast completions with funding certainty from day one.
  • Property Acquisition 鈥 seizing opportunities with short-term, flexible finance.
  • Light & Medium Refurbishment 鈥 upgrading properties for resale, refinance, or rental.
  • Portfolio Stabilisation 鈥 to assist when conventional financing proves to be unsuitable.
  • Permitted Development Loans - bridging the gap to enable a quick purchase before development finance is obtained
  • Semi-commercial/Commercial Assets 鈥 funding mixed-use and income producing developments
  • Bridging Refinance 鈥 refinancing existing short-term debt or utilising equity 聽for new opportunities.

Key Lending Criteria 鈥 Bridging Finance

  • Loans up to 拢20 million,
  • Residential bridge available up to 75% LTV, commercial bridge up to 65%
  • Terms available from 3 to 18 months
  • Available to Individuals, Limited Companies, Limited Liability Partnership (LLP), Special Purpose Vehicles (SPVs), and Trusts
  • Interest roll-up, retained interest, part-serviced and serviced options available
  • First-time investors considered (depending on scenario)
  • UK and Foreign National* borrowers welcome

*UK bank account required

Why Global Investors choose 黑料老司机?

Terms available from 3 to 18 months

We offer flexible loan terms ranging from
3 to 18 months
, giving your clients the freedom to choose a duration that suits their investment strategy or project timeline.

High loan amounts

Borrow up to 拢20 million, with competitive terms and up to 75% loan-to-value.

Flexible asset classes

We fund a wide range of properties including HMOs, MUBs, and mixed-use developments.

Complex structures considered

We support SPVs, offshore entities, and discretionary trusts - ideal for sophisticated investors.

Tailored lending solutions

Dedicated underwriters and fast-track approvals give you clarity, speed, and confidence.

Why Bridging is on the Rise

Bridging finance has grown in popularity as investors look for ways to act fast in a competitive market and navigate tighter traditional lending rules. Landlords and developers are using bridging more strategically, to exit developments, refurbish stock, or leverage equity for future growth. The ability to unlock funding in weeks (not months) makes bridging a smart solution for time-sensitive or complex transactions.

FAQ's

Find quick answers to all your 黑料老司机 queries! Explore our FAQ section for guidance on accounts and More

Frequently Asked Questions

Do you lend on properties purchased at auction?

Yes 鈥 we鈥檙e well-versed in auction purchases and can provide terms quickly to meet tight completion deadlines.

Are foreign nationals or expats eligible for bridging loans?

Absolutely. We consider applications from both expats and foreign nationals, all borrowers will be subject to due diligence requirements. A UK bank account is required

Do you fund semi-commercial or commercial properties?

Yes 鈥 we lend against a range of property types including residential, semi-commercial, fully commercial and mixed-use developments.

Can first-time investors apply?

We鈥檒l consider first-time investors where the exit is clear, and the asset makes sense. Each deal is reviewed on its own merits.

Do you work with layered company or trust structures?

Yes 鈥 we will consider a variety of company structures, including SPVs, LLPs, and trust arrangements, provided the ownership and control can be clearly verified.

Ready to get started?

Our expert team is ready to guide you through the process and tailor a solution to suit your goals. Whether you're purchasing your first UK property or expanding a portfolio, we're here to help.

Call us today on聽0333 038 7620.

Monday 鈥 Friday 鈥 9.00am 鈥 5.00pm (GMT)
except for Bank Holidays.