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Ascot Bridging Finance

Unlocking the Potential in Every Property.

BridgingDevelopmentLends on Land

Max LTV

75%

Interest from

0.69% pcm

Loan size

£37,500–£1m

Term

3–12 months (up to 18 by referral)

Charges

1st and 2nd

Areas

England, Wales and Scotland

Who they are

Ascot Bridging Finance is a UK-based, family-run lender providing fast, flexible short-term property and development finance. Our experienced team combines deep market knowledge with a hands-on, common-sense approach, enabling quick decisions and reliable execution. We can complete transactions within just a few days, subject to legal processes. Pricing is transparent, with fees including valuation, legal, arrangement and exit costs clearly outlined upfront, alongside any applicable ad-hoc fees. We work closely with brokers and borrowers to structure efficient solutions.

Their ethos

Ascot Bridging Finance is built on transparency, speed and long-term relationships. We take a pragmatic, case-by-case approach to lending, ensuring clarity and consistency throughout. Backed by strong funding lines, we have significant capital available, supporting a broad range of property transactions. Our focus is on delivering dependable, straightforward finance solutions with a personal service that brokers and borrowers can trust.

What they specialise in

We specialise in fast, flexible bridging and development finance for residential property, including purchases, refinances, auction deals, refurbishments, and complex cases requiring pragmatic, common-sense underwriting. We excel in below market value transactions, offering up to 100% funding or more.

Meet the team

James Holehouse

Senior Underwriter

jamesholehouse@ascotbridgingfinance.co.uk

Danielle Withnell

Portfolio Manager

daniellewithnell@ascotbridgingfinance.co.uk

Debbie Wilson

Senior Business Development Manager

debbiewilson@ascotbridgingfinance.co.uk

Contact

8 Webster Court, Carina Park, Warrington, WA5 8WD

www.ascotbridgingfinance.co.uk

enquiries@ascotbridgingfinance.co.uk

Lending criteria

Funding model
Institutional funding lines and high-net-worth investors
FCA regulated
No
Fixed/variable interest
Fixed
Treatment of interest & default interest
Retained interest calculated monthly; default interest 3% pcm
Sectors
Residential, semi-commercial, commercial and land with residential planning
Max LTGDV
70%
Max LTC
No maximum
Min property value
£50,000
Valuation retypes
Yes
Rental calculations & exposure
N/A
Types of valuation accepted
AVMs, re-types, short and long form
New builds
Yes
Heavy refurb
Yes
Grade listed buildings
Grade 2 listed buildings can be considered
Green/sustainable product
No
Planning permission needed
Yes
Commission rate
1%
Associations/charters
N/A
Types of landlords accepted
Limited companies, individual, first-time and portfolio
Upfront fees
Yes
Broker portal
No
Early redemption charges
No
Investment
Yes
Owner occupied
No
Electronic signatures accepted
Yes
Lending on land
Yes, as long as residential planning is in place

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Lender information courtesy of The Lender Index by Bridging & Commercial.

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