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Short-term Property Bridging & Development Loans

Never miss an opportunity to grow your business with property development finance.

Same day terms, fast release of funds

Up to 75% LTV / LTGDV

100% Funding (with extra security)

Up to 100% build cost funded

Rates from 0.89% per month

Interest rolled up or serviced payments

Whether you are looking to purchase a property at auction or on the open market, refinance a property you already own or secure the money needed to develop, convert or refurbish a property, Buzz can help.

We will lend against residential or commercial property for business purposes and provide up to 75% of the current value. Up to 100% of the development costs can be lent, from 3 to 15 months.

We consider all types of borrowers from newcomers to seasoned professionals, acting as sole traders or within a limited company or partnership.

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Types of Finance Loan Solutions We Offer

We offer a range of finance options which we can tailor to meet the needs of your requirements. In addition, we’ve constantly got our eye on the market and regularly review our finance options to make sure we remain competitive.

Types of Terms We Offer

Buzz Bridging Residential

Rates from 0.89% pcm
LTV up to 75%
Loan terms up to 15 months
First charge lending
2% arrangement fee as standard

Buzz Bridging Commercial

Rates from 0.89% pcm
LTV up to 65%
Loan terms up to 12 months
First charge lending
2% arrangement fee as standard

Buzz Refurb and Development

Rates from 0.89% pcm
LTV up to 75% (residential)
Loan terms up to 12 months
First charge lending
2% arrangement fee as standard

Types of Property We Lend Against

  • Leasehold Flats
  • Houses
  • HMOs
  • MUFBs
  • Student Accommodation
  • Offices
  • Retail
  • Warehousing

Types of Customers We Help

Property Developers

You may be refurbishing an existing property, buying a new property to convert, or refinancing an existing development to get it over the line. Whatever your requirement, Buzz can assess and approve your loan quickly allowing you to get on with the job.

Those looking to raise finance

If you have your eye on a property at auction or on the open market and need to act fast, Buzz can provide the funds you need in as little as 2 weeks. Once the purchase is complete, you can then look at refinancing onto a long-term loan.

Types of Customers We Help

Property Developers

You may be refurbishing an existing property, buying a new property to convert, or refinancing an existing development to get it over the line. Whatever your requirement, Buzz can assess and approve your loan quickly allowing you to get on with the job.

Those looking to raise finance

If you have your eye on a property at auction or on the open market and need to act fast, Buzz can provide the funds you need in as little as 2 weeks. Once the purchase is complete, you can then look at refinancing onto a long-term loan.

Why Choose Buzz Capital for your Property Development Loan?

Truly bespoke, custom loans to match your business needs and circumstances.

All business types are eligible, from start-ups and first developers to experienced developers.

Property development loans with interest rates as little as 0.89%.

It takes seconds to contact us and can have your loan ready in under 2 weeks.

Since our establishment, Buzz Capital strives for openness, transparency and customer-focused solutions.

Why Choose Buzz Capital for your Property Development Loan?

Truly bespoke, custom loans to match your business needs and circumstances.

All business types are eligible, from start-ups and first developers to experienced developers.

Property development loans with interest rates as little as 0.89%.

It takes seconds to contact us and can have your loan ready in under 2 weeks.

Since our establishment, Buzz Capital strives for openness, transparency and customer-focused solutions.

Fast

Buzz Capital is a privately owned business. This gives us the ability to turn things around quickly as each deal goes directly to a decision maker.

Flexible

Buzz Capital is privately funded. As a result, we are not bound by the restrictive loan conditions that other bridging companies are.

Pro-active and took a keen interest in our business-story

We approached Buzz Capital to finance a vital part of our acquisition strategy, at a difficult time for raising external funds. They were pro-active and took a keen interest in our business-story, which formed the basis of our future relationship. Their attention to detail, ease of communication, solution-orientated approach and speed of execution is impressive. We have no doubt we will work with Buzz Capital in many of our future deals.

Raj Kumar • Borough Junction Group

Recent Loans Buzz Has Provided

  • £1.5m – Conversion of 4 story house to 7 flats – New Kings Road, London
  • £1.1m – Refinance of land with planning for 72 houses – Suffolk
  • £1m – Lease buy-back to release commercial premises for conversion to flats – Barking
  • £486k – Refinance of development of block of 7 flats – Newbury
  • £353k – Auction Purchase of a garage block for redevelopment as 7 flats – Ilford, Essex
  • £316k – Refinance of bridging loan on a completed barn conversion – Warwickshire
  • £283k – Purchase of bungalow for demolition with staged release of redevelopment funds – West Sussex

Secure a Loan Today

Call us on 01273 766399, or send us an email at hello@buzzcapital.co.uk or use the form below.

A member of the Buzz Team will contact you within hours to discuss your requirements and provide you with information such as how much you can borrow, the cost of this borrowing, and
how quickly Buzz Capital can arrange your loan.

Official and proud member of the Association of Short-Term Lenders (ASTL)

Frequently Asked Questions

A property bridging loan is typically used to cover shortfalls in funding or finances and it is “secured” against a property. Basically, like a short-term mortgage but always for business plan purposes. Bridging finance for property development may be used to complete a property within a tight deadline, typically used by property owners, investors and developers.

Bridging finance on a property may be used by people who are looking to avoid property chains and the lengthy application process of getting a mortgage. Rather than wait many weeks or months for a traditional high street mortgage to go through, customers can apply for a bridging loan and receive the money in one lump sum in as little as 2 weeks.

A bridging loan is a type of short-term finance that typically lasts from 3 to 24 months.

Bridging loans are ideal for potential buyers, developers and investors who need a quick turnaround.

Common uses include raising money for a business, investment opportunity, property refurbishment or improvement.  In addition, when buying a property at auction, you may only have 28 days to come up with the purchase price so getting the finance you need through a bridging loan can be more time-efficient than a loan from high street mortgage application.

Buzz Capital Property Finance Ltd, the entity which provides the loans to property businesses, is listed on the FCA Register here with Firm Reference number 963654.

Yes, our bridging loans are typically secured on the property you are trying to raise money for and/or where equity has been released. The borrowing facility is based on the potential value of the property and any other available security and whether we can recover our loan and interest in the event of default.

With rates starting as low as 0.99% per month, a £100,000 bridging loan would cost £999 per month in interest and £11,988 over 12 months. So, the total repayable for a 12 month would be £111,988 being the loan and interest.

Other fees not included are the arrangement fee (2%+) and any solicitor and valuation fees we incur with your approval.

The duration of your loan can vary, with a minimum of 3 months and typically up to 12 months, although we do consider applications up to 24 months. We will always give you the option to repay your loan early, however, we may, with your agreement, charge you a minimum amount of interest.

Our typical maximum loan to value is 75%. Your LTV will depend on affordability, credit and above all, the amount you need to borrow.

We are able to consider loan applications ranging from £50,000 to £2 million, although our typical lend is between £250,000 and £750,000. The amount you can afford to borrow will depend on several factors such as the property or business in question and its potential value. Other considerations include income, affordability, credit and other security available.

On average, the Buzz are able to send the entire funds to your bank account in one lump sum in 10 to 14 days after the loan has been approved. There is usually an average of 3 to 4 weeks from the start of the application to completing and receiving the funds.

Yes, all credit is considered. We are also a “non-status lender”, meaning that we do assess the potential and value of the property or business in question when deciding your eligibility.

A first charge mortgage refers to the first secured loan against your property and it takes first priority when you make monthly repayments or following a repossession.

A second charge mortgage is the second mortgage you have taken out against the same property, and is, therefore, the second priority when it comes to monthly repayments or following a repossession.

Whether your loan is a first charge or second charge will make a difference in the amount you wish to borrow. As the first mortgage takes priority, a second charge lender will tend to offer less if it is your second mortgage; because in order to recover its funds, it will be second in the repayment order.

There are several repayment finance options that we can discuss with you to suit your specific circumstances. This includes paying standard monthly repayments, rolling over all the interest until the end of the loan term or even deducting all or some of the interest (although this will mean borrowing less) from the initial advance.

A non-status lender means that we do not always consider credit scores during the application and approval process, but rather looking at the value of your property as a deciding factor. Non-status providers are generally not regulated by the Financial Conduct Authority but are still fully licensed to operate in the United Kingdom.

The type of borrowers that apply vary and range from property developers looking to renovate, refurbish, develop construction projects or buy new properties to business owners looking to improve their business. The one commonality in all of our loans is that the borrowers own a property that we feel comfortable to hold as security until our loan is repaid.

We lend against UK property and land. The majority of our deals are over residential properties. We will consider securing over the semi-commercial and commercial securities if the loan to value and available security fits our criteria.

There is one key element to bridging finance loans which decides whether it is closed or open and that is whether or not the borrower has a clear, planned exit to repay the loan. If there is an exit strategy then it is a closed bridging loan and, if not, then it will be an open bridging loan. Buzz only offer closed bridging loans.

Yes, having a clear exit strategy is key. Exit strategies are generally things such as the sale of another property, a new or extended mortgage, or a planned payment date for another transaction. If you have evidence of how you will have the funds to pay off the loan then we will give you the rates of a closed bridging loan.

Generally, we will require a very detailed exit plan, typically including a complete-by date, before we will be willing to provide a loan.