Bridging Loans & Development Finance

Starting From 0.49% Per Month
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Fast Bridging Loans with Sunrise Commercial

Sunrise Commercial Finance is a Specialist Boutique Bridging Loans Brokerage who specialise in placing bridging finance at the best rates available in the market. Using the right broker is essential in making sure you access a lender sourced from wide range of lenders within the UK. Some of our niche lenders are not available to the general public and only accessible through brokers. Sunrise Commercial Finance will assess your requirement, source the most suitable lender for your circumstances and lead you though the application process.

Bridging Finance from £10,000 Upwards With No Upper Limit

Sunrise Commercial Finance can arrange finance from £10,000 upwards with no upper limit. Terms of the loan are generally up to 18 months although in certain circumstance this can be extended.

The loans we arrange are short-term finance secured on land, Buy to Let and commercial properties. Rates and associated charges tend to be higher than a normal mortgage to reflect the short-term nature of the loan. However, Sunrise Commercial Finance can provide competitive bridging loan rates from 0.49% per month. Our loans can be arranged for private individuals, landlords, sole traders, partnerships and limited companies

Commercial Bridging Loans

Commercial Bridging Loans are secured on commercial property or land with loans possible up to 70% of the open market value, for some semi-commercial properties it may be possible to stretch to 80% of open market value. Terms of the loan are generally for 12-18 months.

Buy to Let Bridging Loans

Buy to Let Bridging Loans are secured on both leasehold and freehold Buy to Let properties with loans up to 80% of open market value. This would be a gross amount. Where there is enough equity interest and fees can be added to the loan. Terms of the loan are generally for 12 months.

Properties that are unmortgageable can be used as security to borrow against in order that the property be brought up to an acceptable condition for a normal mortgage to be secured. Interest rates for loans start at 0.49% per month.

Rates Available from 0.49% per Month

(rate correct at January 2018)

Loans are secured on property assets; land, Buy to Let or commercial, where funds can be released quickly with the minimum of fuss. As the loan is secured on the property asset then the borrower’s credit profile is not so relevant as for high street loans or mortgages. With sufficient equity in the property all fees except valuation fees can be added on to the loan.

As we are not affiliated to any one lender and have access to a wide range of lenders, we are able to find the best rate and cheapest overall loan for your circumstances. Unfortunately we are unable to arrange first charge loans secured on borrower’s principle residences.

Buy to Let Second Charge Loans

We can arrange Second Charge Loans secured on both commercial and Buy to Let properties. Buy to Let Second Charge Loans sit behind the first charge loan or mortgage. They are more expensive than fist charge loans as they are considered more of a risk.

The maximum loan is 75% of the value of the property less the existing loan including any redemption charges. The minimum loan is £10,000 with terms up to 12 months.

John Goodwin T/A Sunrise Commercial Finance 728476 is an Appointed Representative of Connect IFA Ltd which is Authorised and Regulated by the Financial Conduct Authority 441505.

The FCA does not regulate some Business buy to let Mortgages and Commercial Mortgages to Limited Companies.

The guidance and/or advice contained within this website is subject
to the UK regulatory regime and is therefore primarily targeted at
consumers based in the UK.

There will be a fee for mortgage advice. Our typical fee is 1% of the mortgage amount.

Risk Warning:
Think carefully before securing other debts against your home, your commercial property may be repossessed if you do not keep up repayments on your mortgage.

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By submitting this information, you have given your agreement to receive verbal contact from us to discuss your mortgage requirements.

You voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with the Data Protection Act 1998. You agree that such personal data may be used to provide you with details of services and products in writing, by email or by telephone.

Commission disclosure: We are a credit broker and not a lender. We have access to an extensive range of lenders. Once we have assessed your needs, we will recommend a lender(s) that provides suitable products to meet your personal circumstances and requirements, though you are not obliged to take our advice or recommendation. Whichever lender we introduce you to, we will typically receive commission from them after completion of the transaction. The amount of commission we receive will normally be a fixed percentage of the amount you borrow from the lender. Commission paid to us may vary in amount depending on the lender and product. The lenders we work with pay commission at different rates. However, the amount of commission that we receive from a lender does not have an effect on the amount that you pay to that lender under your credit agreement.

It is our intention to provide you with a high level of customer service at all times.  If there is an occasion when we do not meet these standards and you wish to register a complaint, please write to: Compliance Department; Connect IFA Ltd, 39 Station Lane, Hornchurch, RM12 6JL or call: 01708 676110. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service