We understand how busy you are and that’s why we want to make things as easy and straightforward as possible.
When you work with Cambridge & Counties Bank, you’ll benefit from:
✔ An experienced frontline team who’ll assist in structuring the right deal for your client.
✔ Support through the application process and beyond.
✔ Our manual underwriting process combined with our wide market knowledge.
✔ Documentation prepared by us, together with commission paid at the same time as the loan is drawn down.
✔ Our outstanding customer satisfaction scores.
Residential loans
Key features
- Direct access to the Head of Bridging
- Ability to convert into a long-term loan at maturity
- No valuation fee payable until the loan is approved
- Interest roll-up options available
- Term 1 to 24 months
- Title Indemnity Insurance applied where possible **
Lending criteria
- Residential, including speculative. Up to 80%* LTV of vacant possession
- Mixed use residential, including speculative (residential floor space > 51%); Up to 80%* LTV of vacant possession
- Minimum loan £500k | Maximum loan £5m*
- Only available to experienced property investors
- Interest roll up option available within the maximum LTV criteria
- Personal guarantees may be requested from business owners/directors
- Corporate borrowers must be registered in the UK or Crown dependencies
- For borrowing in personal name(s), individuals must be a UK resident
- Secured by way of a first legal charge on a property located in England, Scotland or Wales
*All enquiries will be assessed on a case-by-case basis by the Head of Bridging and the Credit Underwriting department to determine both leverage and pricing. The interest rates are indicative of the typical bridging pricing range. Products/rates can be changed at any time.
**Cambridge & Counties Bank Limited is the insured party, please refer to the Facility Letter for further information where applicable. Exclusions apply. Powered by our partnership with Westcor’s Perfect Title product, and shaped by broker feedback and customer insight.
Download product guideEnquire nowKey features
- No limit to the number of properties you can own
- Limited companies, partnerships, LLPs or individual name(s)
- Funding available for small or large portfolios
- No valuation fee payable until loan is approved
- Funding available for purchase, refinance & equity release
- Gifted deposits permitted (between family members)
- Interest-only options available
- Lending available in England, Scotland & Wales
Interest rate options
- Variable or 3 & 5 year fixed rate options
Lending criteria
- Up to 75% LTV of open market value
- Only available to experienced property investors
- Minimum loan £150k in England and Wales
- Minimum loan £500k in Scotland
- Up to £15m borrowings per customer with no restriction on property numbers
- Terms from 12 months to 30 years
- Personal guarantees requested from business owners/directors but are not always mandatory
- Corporate borrowers must be registered in the UK or Crown dependencies
- For borrowing in personal name(s), individual must be a UK resident
- Secured by way of a first legal charge on a property located in England, Scotland or Wales
When investing in a development finance project, you’ll need a lender that takes the time to understand your project from the ground up. Our finance options can help support developers on a range of different projects, such as multi-unit residential properties, new builds, conversions or refurbishment schemes.
Whether your strategy is to sell on completion or retain as an investment, our residential investment products allow you to transition to a suitable facility when the time is right.
Our experienced Senior Relationship Managers will be on hand to support you through the process.
Key features
- Interest roll up options for smoother cashflow
- No non-utilisation fees
- Longer term lending options after the project is completed
- Range of projects welcome, from conversion via permitted development or a full ground up development
Lending criteria
- Residential development only
- Only available to experienced property developers
- Small to medium sized housing schemes
- Up to 65% Loan to gross development value
- Up to 80% Loan to cost, build costs fully funded
- Minimum loan £500k
- Maximum loan £7.5m
- Term: Up to 24 months
- 2% arrangement fee (1% to broker)
- 1 % exit fee
- No early repayment charges
- Construction should be on traditional building methods, including modular units
- Corporate borrowers must be registered in the UK or Crown dependencies
- Bespoke security package, structured against the lending proposal.
Our loans are shaped for the needs of the smaller to medium sized building business and overseen by specialists who really understand the SME building sector.
Contact either of our Senior Relationship Managers at
T: 07710308310
Email: [email protected]
or
T: 07483030536
Email: [email protected]
Key features
- All identification and paperwork can be signed and witnessed by a legal firm on the Global 500 list so you don’t need to travel to the UK
- Borrowing must be through limited company or LLP entities
- No limit to the number of properties you can own
- No valuation fee payable until loan is approved
- Funding available for purchase, refinance & equity release
- Gifted deposits permitted (between family members)
- Interest-only options available
- Lending available in England, Scotland & Wales
- Funding available for small and large portfolios
Interest rate options
- Variable or 3 & 5 year fixed rate options
Lending criteria
- Up to 75% LTV of open market value
- Only available to experienced property investors
- Minimum loan £150k in England and Wales
- Minimum loan £500k in Scotland
- Up to £15m borrowings per customer with no restriction on property numbers
- Terms from 12 months to 30 years
- Personal guarantees requested from business owners/directors but are not always mandatory
- Corporate borrowers must be registered in the UK or Crown dependencies
- Secured by way of a first legal charge on a property located in England, Scotland or Wales
Key features
- Gifted deposits permitted (between family members)
- Funding for purchase, refinance & equity release
- No valuation fee payable until loan is approved
- Interest-only options available
- Available in England, Scotland & Wales
Commercial loan interest rate options
- Variable or 3 & 5 year fixed rate options
Lending criteria
- Up to 75% LTV of an independent professional valuation
- Only available to experienced property investors
- No minimum earned income required, however, resilience to loan repayments must be demonstrated
- Minimum loan £150k in England and Wales
- Minimum loan £500k in Scotland
- Up to £15m borrowings per customer with no restriction on property numbers
- Personal guarantees requested from business owners/directors but are not always mandatory
- Corporate borrowers must be registered in the UK or Crown dependencies
- For borrowing in personal name(s),individual must be a UK resident
- Secured by way of a first legal charge on a property located in England, Scotland or Wales
Commercial (C1 planning)
- Terms 12 months to 25 years dependent upon the repayment type
- Available for properties such as holiday villages, holiday parks, complexes and owner occupier with C1 planning permissions
Residential (C3 planning)
- Terms 12 months to 30 years dependent upon the repayment type
- Available for single self-contained properties only, with no restrictive covenants regarding occupancy in place
- The property must be capable of being let on an APT basis and have an acceptable level of rental demand
Key features
- Gifted deposits permitted (between family members)
- No limit on the number of investment properties per client
- Funding available for purchase, refinance & equity release
- Investment based valuations apply to properties with appropriate planning
- No valuation fee payable until loan is approved
- Limited companies, partnerships, LLPs or individual name(s)
- Interest only options available
- HMO with single or multiple tenancy agreements
- Lending available in England, Scotland & Wales
Interest rate options
- Variable rate or 3 & 5 year fixed rate options
Lending criteria
- Up to 70% LTV of open market value or 80% of vacant possession value
- Only available to experienced HMO investors in their local area
- Minimum loan £150k in England and Wales
- Minimum loan £500k in Scotland
- Up to £15m borrowings per customer
- Terms from 12 months to 30 years
- Personal guarantees requested from business owners/directors but are not always mandatory
- Corporate borrowers must be registered in the UK or Crown dependencies
- For borrowing in personal name(s), individual must be a UK resident
- Secured by way of a first legal charge on a property in England, Scotland or Wales
- All properties must hold planning consent for C4 HMO or Sui Generis to qualify for an investment based valuation, otherwise a single dwelling house valuation will apply
Key features
- Light refurbishment work only, no structural works allowed
- Interest roll-up options available
- Ability to convert into a long-term loan
- Available for HMOs or MUBs
- No valuation fee payable until loan is approved
Lending criteria
- Up to 7% initial advance of vacant possession value
- Up to 70% further advance of refurbishment costs, with total borrowing not exceeding 70% of gross development value
- Only available to experienced property investors
- Minimum loan £250k in England and Wales
- Minimum loan £500k in Scotland
- Loans up to £2.5m
- Refurbishment costs above £250k usually require a bank appointed QS/building surveyor
- Personal guarantees requested from business owners/directors but are not always mandatory
- Corporate borrowers must be registered in the UK or Crown dependencies
- For borrowing in personal name(s), individual must be a UK resident
- Secured by way of a first legal charge on a property located in England, Scotland or Wales
Commercial loans
Key features
- Direct access to the Head of Bridging
- Ability to convert to a long-term loan at maturity
- No valuation fee payable until the loan is approved
- Term 1 to 24 months
- Interest roll-up options available
- Title Indemnity Insurance applied where possible **
Lending criteria
- Commercial, including speculative. Up to 70%* LTV of vacant possession
- Mixed use commercial, including speculative (commercial floor space >51%); Up to 70%* LTV of vacant possession
- Minimum loan £500k | Maximum loan £5m*
- Only available to experienced property investors
- Interest roll up option available within the maximum LTV criteria
- Personal guarantees may be requested from business owners/directors
- Corporate borrowers must be registered in the UK or Crown dependencies
- For borrowing in personal name(s), individuals must be a UK resident
- Secured by way of a first legal charge on a property located in England, Scotland or Wales
*All enquiries will be assessed on a case-by-case basis by the Head of Bridging and the Credit Underwriting department to determine both leverage and pricing. The interest rates are indicative of the typical bridging pricing range. Products/rates can be removed at any time.
**Cambridge & Counties Bank Limited is the insured party, please refer to the Facility Letter for further information where applicable. Exclusions apply. Powered by our partnership with Westcor’s Perfect Title product, and shaped by broker feedback and customer insight.
Download our product guideEnquire nowKey features
- Gifted deposits permitted (between family members)
- Interest – only options available
- Short term leases or licences are acceptable
- Funding for purchase, refinance & equity release
- Lending available in England, Scotland & Wales
- No valuation fee payable until loan is approved
- Borrowers can be registered in Crown dependencies
Interest rate options
- Variable or 3 & 5 year fixed rate options
Lending criteria
- Up to 70% LTV of open market value
- Only available to experienced property investors
- Minimum loan £150k in England and Wales
- Minimum loan £500k in Scotland
- Up to £15m borrowings per customer with no restriction on property numbers
- Terms from 12 months to 25 years
- Personal guarantees requested from business owners/directors but are not always mandatory
- Corporate borrowers must be registered in the UK or Crown dependencies
- For borrowing in personal name(s), individual must be a UK resident
- Secured by way of a first legal charge on a property located in England, Scotland or Wales
Key features
- Funding for up to 100% of the VAT bill due to HMRC
- Maximum 5 month term or until the next rebate is due
- Only available for VAT registered businesses in conjunction with an approved Cambridge & Counties Bank Commercial loan*
Lending criteria
- Commercial loan up to 70% LTV of the open market value, plus an additional linked VAT loan up to 20%, providing a combined maximum 90% LTV inclusive of all fees
- Maximum term is 5 months from the date of draw down or until the next rebate is due
- Confirmation of the amount recoverable and date due from the borrower’s accountant
- Confirmation that the property purchase is VAT inclusive from the Bank’s Solicitors
- The commercial property purchase is subject to our commercial loan criteria
- Available in England, Scotland or Wales
*A VAT loan is not available for commercial bridging and commercial refurbishment loans.
Download our product guideEnquire nowKey features
- Gifted deposits permitted (between family members)
- Standalone transaction, no need to move the trading current account
- Opco and propco structures are acceptable
- Funding for purchase, refinance & equity release
- No valuation fee payable until loan is approved
- Businesses with only 12 months trading considered
- Interest-only options available
- Lending available in England, Scotland & Wales
Interest rate options
- Variable or 3 & 5 fixed rate options
Lending criteria
- Up to 75% LTV of vacant possession value
- Up to the lower of 70% mv1 or 85% mv3
- All borrowers must have been trading for a minimum of 12 months
- Minimum loan £150k in England and Wales
- Minimum loan £500k in Scotland
- Up to £15m borrowings per customer with no restriction on property numbers
- Terms from 12 months to 25 years
- Personal guarantees requested from business owners/directors but are not always mandatory
- Corporate borrowers must be registered in the UK or Crown dependencies
- For borrowing in personal name(s), individual must be a UK resident
- Secured by way of a first legal charge on a property located in England, Scotland or Wales
Key features
- Gifted deposits permitted (between family members)
- Short term leases or licences are acceptable
- Funding for purchase, refinance & equity release
- Lending available in England, Scotland & Wales
- No valuation fee payable until loan is approved
- Interest-only options available
Commercial interest rate options
- Variable or 3 & 5 year fixed rate options
Residential interest rate options
- Variable or 3 & 5 year fixed rate options
Lending criteria
- Up to 70% LTV of open market value
- Only available to experienced property investors
- Minimum loan £150k in England and Wales
- Minimum loan £500k in Scotland
- Up to £15m borrowings per customer with no restrictions on property numbers
- Terms from 12 months to 25 years (if the residential element of the property exceeds 51% floor coverage, the maximum term is 30 years)
- Personal guarantees requested from main directors/ shareholders but are not always mandatory
- Corporate borrowers must be registered in the UK or Crown dependencies
- For borrowing in personal name(s), individual must be a UK resident
- Secured by way of a first legal charge on a property located in England, Scotland or Wales
Key features
- Light refurbishment work only, no structural works allowed
- Interest roll-up options available
- Ability to convert into a long-term loan at maturity
- Available for HMOs or MUBs
- No valuation fee payable until loan is approved
Lending criteria
- Up to 70% initial advance of vacant possession value
- Up to 70% further advance of refurbishment costs, with total borrowing not exceeding 70% of gross development value
- Only available to experienced property investors
- Minimum loan £250k in England and Wales
- Minimum loan £500k in Scotland
- Loans up to £2.5m
- Refurbishment costs above £250k usually require a bank appointed QS/building surveyor
- Personal guarantees requested from business owners/directors but are not always mandatory
- Corporate borrowers must be registered in the UK or Crown dependencies
- For borrowing in personal name(s), individual must be a UK resident
- Secured by way of a first legal charge on a property located in England, Scotland or Wales
Key features
- Purchase of trading premises for established businesses or investment properties
- Funding for purchase, refinance & equity release
- No valuation fee payable until loan is approved
- Interest only options available
Lending criteria
- Up to 70% LTV of market value
- Only available to experienced property investors or owner occupiers
- Minimum loan £250k
- Up to £15m borrowings per customer with no restriction on property numbers
- Terms from 12 months to 25 years
- Borrowers must be in an approved HMRC pension scheme (e.g. SIPP/SSAS)
- The pension fund must be registered in the UK or Crown dependencies
- Secured by way of a first legal charge on a property located in England, Scotland or Wales
- Up to 50% of the scheme value, or the maximum allowed under the current HMRC law
Spotlights
Property Finance
Meet the North West team
We’d like to introduce our North West team! Based in Manchester, the team is made up of experienced specialists in trading and investment deals ranging from £500k to £3.5m.
What our brokers are saying...
"It was an absolute pleasure to work with Michelle and Cambridge and Counties Bank on this deal. Michelle truly lived and breathed this with me every step of the way to support this fabulous client. Thank you so much to the wonderful team and Michelle for everything you have done. Together we were truly an unstoppable force!"
Belinda Roughton
Invoice Finance Soutions Ltd
"Nick was incredibly responsive and helpful with a complex transaction. He ensured timely communication with the client and managed the process professionally. The client's goal to complete within a specific time frame was met thanks to Nick and the team. Working with Cambridge & Counties Bank is always a pleasure, reaffirming our excellent relationship."
Paul Debney
Karis Capital
"Your efforts and attitude to help get this over the line have been nothing short of outstanding. This is what sets Cambridge & Counties Bank apart from the numerous other lenders we encounter."
Stuart Oldfield
Platinum Money Ltd
"After a lot of hard work from all sides we have finally completed today… This application has not been the easiest… Your patience, thoroughness and professionalism has been second to none. Thank you again for all your help and support, onwards and upwards to a lot more business in 2023."
Michael Kennedy
PBFC UK Ltd
"I was most impressed with the regular updates and communications and the understanding of our deadline. As a lender, your 'can do' attitude was most refreshing."
Julie Priest
Charles Louis
"Of all the banks I deal with, I have to say the Cambridge & Counties Bank team work tirelessly to get deals agreed and drawn. It is good dealing with a bank who always works to find solutions for clients (and brokers) rather than looking for reasons not to provide funding. It’s very refreshing in the current climate to have someone that understands funding and has the desire to get things done. Once again thanks for your help and support."
Simon Harrison
Flexible Commercial Funding Ltd
"Thank you to the entire team, with all your help we managed to get there, and, in the process, we saved the customer £4,000. Great work guys!"
Alex Churchill
Real Property Finance
"I would like to extend my thanks to all parties at Cambridge & Counties Bank involved in this transaction. There were several challenges to overcome and it was very refreshing to see that the Bank went the extra mile (& then some) to enable this deal to get over the line."
Andy Reynolds
Sterling Capital Reserve Ltd
