7-day residential bridging.
Reliable, repeatable speed for residential loans up to £1m.
What sets our 7-day residential bridging apart?
Reliable speed
Decisions in hours, funds in days.
Every time.
Quick valuations
AVMs or no valuations for the majority of deals, helping to remove friction where it isn't needed.
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 investment properties.
Arrangement Fee
From 1%
agreed upfront, with no surprises.
Ideal scenarios.
- Residential investment purchases with tight deadlines
- Capital raising to act quickly on new opportunities
- Urgent refinance to create 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 legal representation on all loans.
The 7-day timeline is measured from legal cost undertaking to completion.
7-day residential bridging FAQs.
We complete within seven days. Decisions are made within hours, and valuations are streamlined or waived on most deals to keep the process moving.
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 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.
Dual legal representation and eligibility for Westcor title insurance are required to meet the seven-day completion 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 assess it under our standard residential bridging product, which offers broader flexibility.
Need a quick decision on a 7-day residential bridging loan?
We review 7-day cases within hours. Share the basics and you’ll get a clear yes, no, or next step. If the deal fits, we’ll move quickly to keep it on track.