A bridging loan that keeps your deal moving
A bridging loan is a short-term loan secured against property. It’s commonly used when timing is the problem for example, you need to complete quickly, refinance fast, or bridge a gap before longer-term funding is in place.
Capstone provides bridging finance for property professionals and business borrowers, structured around security and a defined exit (sale or refinance):
Typical term: 10–12 months
Maximum LTV (case-by-case): up to 75%
Security: registered legal charge (primarily first charge)
Underwrite & instruct: typically 5 days – 2 weeks once information is received
Clear deal parameters
Facilities are typically structured up to 10–12 months and up to 75% LTV, subject to assessment.
Security-first lending
Every facility is secured by a registered legal charge, primarily first charge, with legal oversight and title insurance protection.
Fast decision-making
Underwriting and instruction is typically completed within 5 days to 2 weeks once the basics are clear.
Defined exits
We structure loans around a defined repayment route. Typically sale or refinance, from day one.
How Our Bridging Process Works
Our process is designed to be straightforward: clear information upfront, underwriting and instruction completed early, then the facility is monitored through to exit by month 12:
Enquiry review
We confirm the loan amount, property type/location, timescales, and exit strategy.
Underwrite & instruct
Typically completed within 5 days – 2 weeks once the required information is provided.
Valuation & checks
Independent valuation supports the credit decision and security position.
Legal completion
Facilities are secured by a registered legal charge (primarily first charge).
Title insurance protection
Facilities are protected by title insurance covering principal, interest and facility fee.
Exit within the term
The facility repays through sale or refinance at or before month 12.