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Bridging Finance Loans for quickly raising money

Bridging finance through Wise Money is both quick and easy with very good rates. Short term loans – even with adverse credit we can help you source the best loans. A bridging loan can be used for a variety of reasons:
* If you need to purchase one property before completion on the sale of another.
* If you need to fund the purchase of a property abroad.
* If you need to fund the purchase of a ‘defective’ property, but repairs have not yet been done.
* If you simply does not want to lose the purchase of a new property (auction sales etc).

Closed Bridge – Lending Criteria
Lending up to 100% LTV. Lenders will NOT need to take a first legal charge on the property. Time Period – Approx 3 – 5 Days

Example of Closed Bridge
Person selling their property for £300,000 and buying a house for £250,000. We can arrange finance to lend £250,000 (83%LTV) to complete the property purchase.

Open Bridge Finance– Lending Criteria
Lending up to 75% LTV. The lender will require to take a first legal charge on the property. (If you already have a legal charge on the property, e.g a mortgage it will need to be repaid it from the bridge funds). Time Period to completion – 3 – 4 Weeks (Approximately) Bridging finance is usually for periods between 2-12 months.

Example of a Open Bridge Loan
Person selling their property for £300,000 and has a mortgage on that property for £50,000; looking to buying a house for £175,000. We can arrange finance to lend £225,000 (75%LTV) and would repay the £50,000 mortgage, leaving you with £175,000 to purchase the property.

Not sure what to do? Simply complete the form for a free no obligation quote and you can talk through your alternatives with our trained advisors.

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If you are looking for a mortgage, even if you have a poor credit history, come to us first to see what we can do. Your poor credit history does not exclude you from getting a mortgage or remortgage.

Even if your poor credit rating has meant you’ve had special terms imposed on remortgage quotes in the past, we have access to a number of suppliers of poor credit remortgages and have been able to help many customers with a poor credit rating to arrange a suitable remortgage.

If features such as no early repayment penalties, transfer flexibility, or payment holidays are important to you these will be factored-in to our mortgage search. If these features are not important to you, our team of advisors will base the search on finding you the most suitable house purchase mortgage available to suit your particular circumstances.

Once we have all the details, your house purchase mortgage will be processed as soon as possible to ensure your funds are available so you can complete your house purchase without delay.

Self Certification Mortgages- If you’re looking for a mortgage and can’t prove your income, a self certification mortgage may be just what you need.

Self certification mortgages are ideal if you can’t prove your income. This may be because you are self-employed, a freelancer, contractor or seasonal worker, or you may be paid on a commission-only basis, be an un-salaried company director or you may have more than one source of income such as income from investments.

If you’ve had problems finding a regular mortgage because you can’t prove your income please talk to our lenders about a self certification mortgage. We work with a number of suppliers who are happy to consider self certification mortgages. If this sounds like the type of mortgage you need talk to one of our advisers today to see what we can do for you.

Once we have all the details, your self certification mortgage will be processed as soon as possible to ensure your funds are available so you can complete your house purchase without delay.

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Your finance can be for any purpose and your application will be processed quickly to ensure your monies are granted as soon as possible. Once your loans are granted you are free to spend the money on anything you wish.

As long as you are employed and you are over 18, you can apply. Please contact us today for a free no obligation quote.

Our lenders provide some of the most competitive finances in the UK. So if you’re looking for a help and you’re a UK resident why not ask for a quote?

At Wise Money we work with a number of different financial services providers. As a result we find that we are able to provide competitive rates and terms for a wide range of different personal circumstances.

You can choose between a secured or an unsecured credit and it can be for any purpose. All we ask is that you can meet the monthly repayments and that you’re a UK resident.

You can expect a prompt and efficient service. An in-principle decision will be made as soon as possible and once yourapplication has been fully processed your money is made available to you as quickly as possible which you are then free to spend as you wish.

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