Residential Bridging Loan

At Rikvin Capital, we understand that sometimes you need fast, flexible funding solutions—especially for large-scale property transactions or business needs. Our Residential Bridging Loans are tailored for borrowers looking to secure amounts from £1 million to £100 million, with quick approvals and transparent terms.

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Loan Size£1M – £100M
Term Length3–24 Months
Loan-to-Value (LTV)Up to 75%
SecurityFirst charge
Interest PaymentRoll-up or Monthly Servicing

Use Cases

Auction Purchases

Speed is crucial when buying at auction—our bridging loans help you meet strict deadlines.

Commercial & Mixed-Use Acquisitions

Secure prime commercial or mixed-use properties without losing out to competition.

Business Cash Flow

Use property equity to finance expansion or meet short-term obligations.

Short-Term Refinancing

Consolidate or refinance existing property finance until a long-term solution is arranged.

The Rikvin Difference

Why Choose Rikvin Capital?

Fast Turnaround

Our dedicated team can issue a term sheet within 24 hours, and deliver funds within just 2 weeks—minimizing delays and uncertainty.

Flexible Terms

We offer up to 70% LTV, with interest roll-up options to help manage cash flow.

Large-Scale Funding

Borrow up to 100 million to seize high-value opportunities that traditional lenders might not be able to support.

Approachable Experts

With extensive experience in bridging finance, our team works closely with you to understand your goals and structure a deal that fits.

How It Works

The Application Process

  1. Enquiry

  2. Application

  3. Valuation

  4. Legal

  5. Completion

Get Funding Approval Within 24 Hours

Get Started

Case Studies

£18.8 Million Loan Facility Secured Against a Landmark West London Hotel

£18.8 Million Loan Facility Secured Against a Landmark West London Hotel

Loan Amount
£18.8 million
Asset
Full-Service Hotel
LTV
64%
£9.5 Million Loan Facility Secured Against a UK Regional Hotel Portfolio

£9.5 Million Loan Facility Secured Against a UK Regional Hotel Portfolio

Loan Amount
£9.5 million
Asset
Regional Hotel Portfolio
LTV
65%
Bridging the Gap: Rikvin Capital’s £30M Co-Funding Milestone

Bridging the Gap: Rikvin Capital’s £30M Co-Funding Milestone

Loan Amount
Confidential
Asset
Asset-backed collateral
LTV
Not disclosed
Bridging Finance for a London Investment Property

Bridging Finance for a London Investment Property

Loan Amount
Confidential
Asset
Asset-backed collateral
LTV
Not disclosed
Rikvin Capital Completes GBP £2.275M Loan Facility

Rikvin Capital Completes GBP £2.275M Loan Facility

Loan Amount
£2.275 million
Asset
Asset-backed collateral
LTV
70%
Rikvin Capital Backs $7.5M Mayfair Deal with Higher LTV

Rikvin Capital Backs $7.5M Mayfair Deal with Higher LTV

Loan Amount
Confidential
Asset
Asset-backed collateral
LTV
Not disclosed
Rikvin Capital Secures Exclusive Financing for Limited Edition Bugatti Vehicles

Rikvin Capital Secures Exclusive Financing for Limited Edition Bugatti Vehicles

Loan Amount
Confidential
Asset
Asset-backed collateral
LTV
Not disclosed
Strategic Bridge Funding for Prime Hampstead Property

Strategic Bridge Funding for Prime Hampstead Property

Loan Amount
Confidential
Asset
Asset-backed collateral
LTV
Not disclosed
Swift Bridging Loan Execution for a Prime Surrey Property

Swift Bridging Loan Execution for a Prime Surrey Property

Loan Amount
Confidential
Asset
Asset-backed collateral
LTV
Not disclosed

FAQs

Can a residential bridge loan rescue a broken property chain in the UK?

Yes. Chain breaks are a classic use case. We fund the new purchase against your existing home (or both properties together) so you complete on time even if your buyer pulls out. The term matches your expected sale, and the loan is repaid from the sale proceeds, so you stay in control of pricing rather than being forced into a discount sale.

My target home has a poor EPC rating and no UK lender will mortgage it. Can you fund it?

Yes. With tightening UK rules, properties with low Energy Performance Certificate ratings are often turned down by high-street lenders. We provide a bridge-to-refurbish loan so you can buy the property, carry out the EPC works, then refinance into a long-term mortgage once the property meets the standard.

How much can I borrow against a UK residential property?

We typically lend up to 70 to 75% of valuation on UK residential assets. Higher amounts are sometimes possible on prime London or for very strong borrowers. Loan size ranges from £1 million to £100 million, with terms of 3 to 24 months and either rolled-up or monthly-serviced interest.

Do you lend to expats and overseas buyers buying a UK home?

Yes. Non-resident borrowers, expats and offshore SPVs are normal for our UK book. We focus on the property value, your overall wealth profile and a clear exit, rather than UK-PAYE income, so international buyers can move at the same speed as a UK cash buyer.