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Bridging Loans with HTB | Flexible Finance Solutions

Bridging Loans with HTB – A Flexible Finance Solution for Property Investors
When property opportunities knock, HTB (Hampshire Trust Bank) offers bespoke bridging loans designed to meet your unique needs. Whether you’re navigating an auction purchase, completing renovations, or managing a tight deadline, HTB provides fast and flexible funding solutions to help you seize opportunities without delays.

Why Choose HTB for Bridging Loans?

HTB has earned a reputation for its tailored lending solutions, making it a trusted name among property investors and developers. Here’s why HTB stands out:
Fast Decisions: HTB understands the time-sensitive nature of property deals, offering swift decisions to keep projects on track.
Flexible Criteria: Loans are assessed on a case-by-case basis, catering to a variety of borrower circumstances.
Specialist Expertise: With years of experience in property finance, HTB brings deep industry knowledge to its lending process.
Competitive Rates: HTB offers competitive interest rates designed to suit the needs of investors and developers alike.

Key Features of HTB Bridging Loans

HTB bridging loans are tailored for a range of property scenarios, providing:

  • Loan Amounts: Typically from £200,000 to £15 million.
  • Terms: Flexible terms, typically up to 24 months.
  • Interest Options: Choose between rolled-up or retained interest, depending on your cash flow needs.
  • Loan-to-Value (LTV): Up to 75% LTV, including interest.
  • Eligible Properties: Residential, semi-commercial, and mixed-use properties.
  • Exit Strategies: Flexible options, including refinancing or sale of the property.

Bridging Loan Scenarios with HTB

HTB bridging loans are ideal for a variety of property investment scenarios, including:

Auction Purchases

When you’ve secured a property at auction, you often need funds quickly to complete the transaction. HTB’s fast bridging loans ensure you meet those tight deadlines.

Refurbishment Projects

From minor renovations to full-scale property conversions, HTB bridging loans provide the capital you need to enhance your property’s value before refinancing or selling.

Chain Break Solutions

If you're caught in a property chain, a bridging loan can help you complete the purchase while waiting for your sale to finalise.

Development Finance

HTB bridges the gap between acquiring a property and securing development finance, ensuring your project starts on time.

Case Study – HTB Bridging Loan in Action

Client:

Sarah, an experienced property investor.

Situation:

Sarah won a semi-commercial property at auction but needed to complete the purchase within 28 days. Traditional financing wasn’t an option due to the tight deadline

Sarah approached HTB for a bridging loan:

  • Loan Amount: £800,000
  • LTV: 70%
  • Term: 12 months with rolled-up interest
  • Exit Strategy: Refinancing into a commercial mortgage after refurbishments

    • Outcome:

    HTB approved the loan in 10 days, allowing Sarah to meet her auction deadline. Post-renovation, the property’s value increased by £200,000, enabling a successful refinance.

    The Benefits of HTB Bridging Loans

    1. Speed:

    HTB is known for its fast approval process, perfect for time-critical transactions.

    2. Flexibility:

    Loans are tailored to your project’s requirements, from interest options to exit strategies

    3. Expertise:

    HTB’s dedicated bridging team understands the complexities of property transactions, providing bespoke solutions.

    4. Support:

    From application to completion, HTB offers personalised support to guide you through the process.

    Why Work with Auction Finance for HTB Bridging Loans?

    At Auction Finance, we simplify the bridging loan process:

    • Expert Guidance: We match you with the best HTB solutions for your project.
    • Fast Applications: Our streamlined process ensures you access funds without delay.
    • Tailored Advice: Every project is unique – our team ensures your loan works for your goals.
    • End-to-End Support: From application to repayment, we’re with you every step of the way.

    FAQs

    Q 1. What is the typical interest rate for HTB bridging loans?
    Ans: Interest rates vary based on your project’s specifics, but HTB offers competitive rates tailored to your needs.
    Ans: HTB typically approves loans within 10–14 days, depending on the complexity of your application.
    Ans: Yes, HTB bridging loans can be used for residential, semi-commercial, and mixed-use properties.
    Ans: HTB supports refinancing, property sales, or other viable repayment methods.

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    • Auction Finance specialises in structured financing solutions for property auctions. Our expert team prioritises a client-focused approach, offering competitive rates and flexible options for quick and efficient funding. Whether you're bidding on residential, commercial, or land, we are committed to supporting your auction success.

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