A residential bridging loan is a short-term loan designed to help you secure or refinance residential property quickly, typically for 3–24 months. It bridges a temporary funding gap until a longer-term solution (such as a mortgage or property sale) is in place.

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

We cap our Loan-to-Value (LTV) at 70%. If you need additional funding, you can offer multiple residential properties as collateral to stay within our LTV guidelines.

• Fast Funding: We can often issue a term sheet within 24 hours, with funds available in as little as 2–4 weeks.
• Flexible Terms: Borrow for 3 to 24 months, with the option to extend if circumstances change.
• No Monthly Payments (if Rolled-Up Interest): You can roll up interest and pay it upon completion, which helps with cash flow.
• Wide Range of Uses: From buying a new home before selling your current one, to funding minor refurbishments or time-sensitive deals.

Individuals, property investors, and corporate entities can all apply. We primarily consider the value of your residential property and your exit plan, rather than strictly focusing on income or credit history.

Yes. Bridging loans typically have higher interest rates because they’re designed for short-term, fast access to funds. They fill a financing gap when speed and flexibility are paramount—something standard mortgages usually can’t match.

With complete documentation and a clear exit strategy, approvals can happen within days. After that, funds can be disbursed in 2–4 weeks, subject to valuation and legal checks.

Absolutely. We offer interest roll-up as an option, allowing you to defer interest until the end of your loan term. This is particularly helpful if you prefer to manage your cash flow more flexibly during the bridging period.

While we do check credit, we focus more on the property’s value and the exit strategy. Minor credit issues are not always a deal-breaker, though they may influence the terms or LTV offered.

Yes. Whether you’re upsizing, downsizing, or acquiring an investment property, residential bridging can help you act quickly—even if you’re still waiting on the sale of an existing residence.

Typical exit routes include:

• Selling the property (or another asset).
• Refinancing onto a traditional mortgage once it becomes available.
• Releasing funds from another transaction or investment.

As long as you have a clear and viable plan, we will consider it.

For high-value facilities or higher LTV deals, we may require a personal guarantee. The necessity depends on the specific loan structure, your track record, and the exit plan.

Light refurbishments or cosmetic improvements are generally acceptable. If you have a more extensive project, let us know the scope upfront so we can determine if it fits residential bridging or if a different structure is more suitable.

Rikvin Capital offers unregulated bridging loans for residential properties not intended as the borrower’s primary residence. If you plan to live in the property, please discuss the details with our team so we can confirm eligibility.

Simply contact our team with details about the property, your required loan amount, and your intended exit strategy. We’ll guide you through valuation, legal checks, and documentation. Once everything is in order, funding can be released promptly.