What sets Flow apart?
Rate certainty
0.75% per month, for all eligible deals. No movement at the last minute, no surprises.
Straightforward criteria
Purchases, capital raising and refinances on 100% residential property. Up to 65% LTV.
Clear loan parameters
Loans from £100,000 to £750,000, with terms up to 12 months.
Key product information.
Rate
0.75%
for all eligible deals, for the duration of the loan.
LTV
Up to 65%
based on property, borrower and exit strategy.
Term
Up to 12 months
with options for serviced & retained interest.
Loan Size
£100k – £750k
for residential investment properties.
Arrangement Fee
From 1%
agreed upfront, with no surprises.
Ideal scenarios.
- Residential investment purchases requiring rate certainty
- Capital raising against a UK residential property
- Refinance of an existing non-bridge loan
- Straightforward residential scenarios where terms need to hold
Available for.
- Buy-to-let investments
- HMOs
- MUFBs
- Properties in England, Wales & Scotland
Product criteria.
The full details of our Flow residential bridging product, so you know what will be eligible for the 0.75% rate.
Property
- Houses: minimum 700 sq ft, maximum 2,000 sq ft
- Flats: minimum 400 sq ft, maximum 1,250 sq ft
- HMOs: accepted up to 6 bedrooms
- MUFBs: accepted on a block value basis
- New builds are accepted.
- Ex-local authority high-rise properties are not accepted.
Borrower
UK borrowers only.
- Adverse credit is accepted.
- First time investors are accepted.
Eligible Purposes
- Purchase
- Capital raising
- Refinance
The following are not eligible for Flow:
- Rebridge
- Loans where the current facility is in default
All properties must be 100% residential, located in a town or city with a minimum population of 100,000, and surrounded by residential streets.
Note that the loan must qualify for Westcor title insurance to be eligible for Lakeshield’s Flow residential bridging loan product.
Flow residential bridging FAQs.
Flow is a fixed rate residential bridging loan, offering a rate of 0.75% per month on loans between £100,000 and £750,000. It is designed for straightforward UK residential scenarios where rate certainty matters.
Flow is available to UK borrowers only. The product is for residential investment purposes and is not available for regulated or owner-occupied lending.
Flow is available on 100% residential properties, including houses (700–2,000 sq ft), flats (400–1,250 sq ft), HMOs up to 6 bedrooms, and MUFBs on a block value basis.
Properties must be in a town with a minimum population of 100,000, surrounded by residential streets.
Ex-local authority high-rise properties are not eligible.
Flow is available at up to 65% LTV, based on the property, borrower, and exit strategy.
Flow fixed rate bridging loans are available for purchase, capital raising, and refinance.
It is not available for rebridging or where the existing loan is in default.
Loan terms of up to 12 months are available.
All loans eligible for Flow will have a rate of 0.75% per month. It will not change between terms being issued and completion.
Flow is available with either serviced or retained interest, depending on what works best for the borrower’s cash flow and exit.
If your client’s scenario falls outside Flow’s parameters, we can assess it under our residential bridging product, which offers broader flexibility on property type, LTV, borrower profile, and loan size.
Need a quick decision on a Flow residential bridging loan?
We review Flow cases within hours. Share the basics and you’ll get a clear yes, no, or next step.