Residential bridging loans.
Short-term residential finance, delivered with clear decisions and dependable timelines.
What sets our residential bridging apart?
Fast-Moving Deals
Decisions in hours, funds in days. If your client has a deadline, we will meet it and communicate clearly throughout.
Flexible Terms
Tailored loans that meet your clients needs. We make deals work with an asset-led approach, with no tick-boxes.
Reliable Decisions
Decision makers review every deal so you get a clear yes or no, at terms we will stick to through to completion.
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 – £20m
for residential investments throughout the UK.
Arrangement Fee
From 1%
with no padding and no surprises.
Ideal scenarios.
- Residential investment purchases with tight deadlines
- Capital raising on unencumbered or low-geared assets
- Landlords expanding or refinancing portfolios
- Non-standard properties or borrower profiles
- Developer exit loans to give time to sell, let or complete works
- Urgent refinance of an existing loan
Available for.
- Buy-to-let investments
- HMOs
- MUFBs
- Properties in England, Wales & Scotland
- First-time investors
- Foreign nationals
Real deals, real results.
See how we support residential property deals, with clear decisions, pragmatic structures and delivery against agreed timelines.
Residential bridging FAQs.
Lakeshield issues terms within hours once a full enquiry is submitted.
Funds can be delivered within days, subject to the asset, structure and completion requirements.
Yes. We lend to first-time property investors where the deal makes sense.
The property, exit strategy and overall structure are the key considerations.
We lend on a wide range of residential properties, including buy-to-lets, HMOs and MUFBs.
Non-standard residential properties are assessed on their merits.
Yes. We regularly support auction purchases with residential bridging finance. If timing is critical, we’ll confirm early whether the deal can complete to deadline.
Yes. Residential bridging loans are available where planning permission is approved or pending, provided planning gain forms part of a credible exit strategy.
Yes. We lend to foreign nationals, provided the property is in England, Wales or Scotland and the deal meets our criteria.
The maximum loan-to-value is typically up to 75%, based on the property, borrower and exit strategy.
Yes. Adverse credit cases are assessed on the overall strength of the deal, not credit history alone.
Need a quick decision? Send your case over.
We respond to enquiries quickly, often within hours. You can also speak directly to our team if it helps move things forward.
You’ll get a clear yes, no, or next step. If the asset stacks up, we’ll back it.