Short Term Loans & Bridging Finance

Specialists in Short-term Property Finance from £10k to £20m

White Rose Finance have been guiding clients to the best bridging deals for over fifteen years.

  • Regulated Bridging Finance for moving homes.
  • Refurbishment Finance to flip or retain property.
  • Land Bridging for pre-planning purchases.
  • Commercial Bridging for Business Start-Ups or Expansion.
  • Finance for Opportunities and for Unexpected Crisis’

With hard-won knowledge that comes from having placed thousands of bridging loans we focus on keeping up to date in this fast-moving market. This enables us not just to provide funds, but to provide the best possible product for your needs.

Ask your current broker how many lenders they have on panel!!

We can lend our own money or discuss your project with over 100 funders, lending money now throughout the UK.

Of course, we can source the finance that everyone else can. Prime investment projects are easy and we have providers of finance lending money at less than 5% per annum.

We can however also provide:

  • Small value loans on properties not considered by the buy to let market.
  • War-chest facilities at up to £20m.
  • Standalone 2nd, 3rd, Third Party and Equitable Charges.
  • Loans at up to 87% of the purchase price Day 1 for refurbishments AT BANK RATES.
  • Planning Gain loans at up to 90% of the hope value of the land.
  • Loans to Ex-pats / Foreign Nationals / Charities / Trusts / Associations / Adverse Credit
  • On Land without planning / Complex Title Transactions / Irish, Jersey and Guernsey Property / Where the exit comes from an uplift in trading performance.

Over 15 years we have seen most cases and so we understand where the stress points are as lenders perform their underwriting and solicitors work to show clean titles – we know how to navigate this process for you.

In-house Advice

Being directly authorised by the FCA we can advise you in-house, not just on bridging for moving properties but for the mortgage as well. Whereas most bridging brokers pass you to a “tame” residential broker for FCA compliance we are able to deliver all of this in-house and at no extra cost.

Our lenders understand our expert packaging and pay us to do this from the fee they would have charged you – this service often therefore comes at no extra cost to yourself for engaging our services. You could struggle through this process yourself or allow us to minimise the stresses by doing the work at little or no extra cost.

See our CASE STUDIES for extra information.

Call us today for a free consultation and we will normally be able to give you a decision in principle if not immediately then within the business day.