Rikvin Capital provides large bridging facilities ranging from £1 million up to £100 million, depending on your property’s value and exit strategy.

We cap our Loan-to-Value (LTV) at 70%. If you require more borrowing, you may use additional properties as security.

Fast Access to Funds: Our bridging loans can often be arranged within 2–4 weeks—ideal for time-sensitive purchases.

Flexible Repayment Terms: Typically from 3 to 24 months, enabling you to cover short-term gaps until you secure longer-term financing.

Property Investment Opportunities: Secure properties quickly, including those at auctions or with complex conditions.

Rolled-Up Interest Option: You can opt to have interest rolled up and paid at the end of the term, which helps with cash flow.

Wide Range of Property Types: We accept residential, commercial, and mixed-use properties as security.

Our monthly interest rates start from around 0.5% to 1.5%. Additional costs can include arrangement fees (often 1–2% of the loan) and potentially exit fees. Pricing may vary based on the complexity and risk profile of your transaction.

Yes, an application may be declined if:

• You have insufficient equity in your property.
• Your exit strategy (e.g., sale or refinance) is weak or unclear.
• You face severe credit issues that cannot be mitigated.
• The property is unsuitable for our criteria (e.g., heavy structural problems).

Yes, Rikvin Capital does check credit, but we focus more on the property’s value, security, and your repayment plan. Minor credit issues won’t necessarily disqualify you, though severe problems could affect the terms.

We generally require:

• Sufficient equity in your property (within our 70% LTV limit).
• A viable exit strategy (e.g., property sale or refinance).
• Basic due diligence and a clear understanding of the borrower’s background.

If these are in place, securing bridging finance from Rikvin Capital is usually straightforward compared to traditional mortgages.

Our bridging loans typically last from 3 to 24 months, though extensions can be discussed if you have a clear rationale and updated exit plan.

No. Bridging loans are short-term and have higher rates than standard mortgages. They’re designed to provide speed and flexibility rather than long-term affordability.

Broker fees are independent of Rikvin Capital. Some brokers charge a flat fee, while others take a percentage of the loan (often 1–2%). Always clarify any broker fees before proceeding.

Unlike a traditional mortgage, our primary focus is on the property’s value and your exit strategy, not your monthly income. We do, however, assess basic financial stability to ensure you can handle any costs and potential overruns.

A personal guarantee is sometimes required—especially for higher-value or higher-LTV loans. A guarantee helps reduce risk, which can also lead to more favorable terms.

Rates depend on factors like security quality, loan-to-value, and borrower profile, rather than simply the loan size. Well-secured, multi-million-pound deals can secure rates similar to—or even better than—smaller loans, especially if the risk is well-managed.

For high-value facilities, we often require a personal guarantee plus additional property or assets as collateral, depending on the loan’s structure, the borrower’s track record, and the chosen exit plan.

A strong track record—such as having completed successful projects or developments—can result in higher LTVs, lower rates, and fewer conditions. Borrowers with limited or no track record may face stricter terms or more documentation requirements.