What sets our 7-day residential bridging apart?
Reliable speed
Decisions in hours, funds in days.
Every time.
Quick valuations
No valuations or AVMs for the majority of deals.
Flexible lending
Available to a wide range of borrower, including adverse credit & foreign nationals.
Key product information.
Rate
From 0.85%
with terms based on the deal, not a tick-box formula.
LTV
Up to 75%
based on the property, borrower and exit strategy.
Term
3-24 months
with options for serviced & retained interest.
Loan Size
£100K – £1m
for residential investments.
Arrangement Fee
From 1%
agreed upfront, with no surprises.
Ideal scenarios.
- Residential investment purchases with tight deadlines
- Capital raising to take advantage of quick opportunities
- Urgent refinance of an existing loan, to give more time to refurbish, let or sell
- Non-standard properties or borrower profiles
Available for.
- Buy-to-let investments
- HMOs
- MUFBs
- Properties in England & Wales
Product criteria.
The full details of our 7-day residential bridging product, so you know what will fit, what won’t, and what we need to keep the process moving.
Property & Borrower.
Property
Properties must be located in England or Wales.
- HMOs and MUFBs are accepted. Large HMOs (6+ bedrooms) and large MUFBs (6+ units) are subject to a 5% reduction in the maximum LTV offered
- New build and listed buildings are subject to a 5% reduction in the maximum LTV offered
Borrower
All borrower types are eligible, with the exception of charities and CICs.
- Adverse credit is accepted, including CCJs, defaults and arrears.
- Debt management plans, IVAs and bankruptcies are accepted (bankruptcies must be discharged)
- Offshore borrowers are subject to a 5% reduction in the maximum LTV offered
Valuations & KYC requirements.
Purchase
- Up to 60% LTV – no valuation required
- Up to 75% LTV – AVM
Refinance
- Up to 50% LTV – no valuation required
- Up to 65% LTV – AVM
- Up to 75% LTV – in-person valuation
KYC
To conduct appropriate KYC checks, we will require:
- 6 months of bank statements
- Borrower/Guarantor’s proof of ID (passport or driving license)
- Proof of address
- Up to date A&L
Note that the loan must qualify for Westcor title insurance to be eligible for Lakeshield’s 7-day residential bridging loan product.
To ensure that completions happen within the 7-day timeframe, we require dual rep on all loans.
The 7-day timeline is measured from legal cost undertaking to completion.
7-day residential bridging FAQs.
Our 7-day residential bridging loan is short-term property finance designed to complete within 7 days from legal undertaking to completion. It provides fast access to funds for investors who need certainty and speed.
We can complete in 7 days. Decisions are made within hours, and valuations are streamlined or waived on most deals to keep the process moving.
We accept a wide range of borrowers, including first-time investors, landlords, foreign nationals, and those with adverse credit such as CCJs, defaults or IVAs.
Our 7 day loans are available on residential investment properties in England and Wales, including buy-to-lets, HMOs and multi-unit freehold blocks (MUFBs).
Not always. Purchases up to 60% LTV and refinances up to 50% LTV can complete with no valuation. AVMs are used at higher LTVs, with physical valuations only required above 65% LTV on refinances.
We require 6 months of bank statements, proof of ID, proof of address and an up-to-date A&L.
We also require dual legal representation and the loan to be eligible for Westcor title insurance to meet the 7 day timeline.
Loans range from £100,000 to £1 million, at up to 75% LTV. Rates start from 0.85% per month, terms run 3–24 months, and arrangement fees typically start from 1%.
If your client doesn’t meet the criteria for our 7-day bridging loan — for example due to property type, valuation needs or documentation — we can consider them under our standard residential bridging product, which offers broader flexibility.
Need a quick decision on a 7 day residential bridging loan?
We respond to enquiries quickly, often within hours. Or you can reach out to our team directly.
You’ll get a clear yes, no, or next step. If the asset stacks up, we’ll back it.