Fairbridge Capital

Driven by relationships, focused on solutions.

BridgingRefurbishment

Max LTV

75%

Interest from

0.85% pcm

Loan size

£50,000–£5m

Term

3–24 months

Charges

1st and 2nd

Areas

England, Wales and Scotland

Who they are

Fairbridge Capital is an unregulated bridging lender established in 2019, offering fast and flexible short-term finance on both residential and commercial properties in England, Wales and Scotland. With an experienced in-house team, we aim to complete deals within 7–10 days and pride ourselves on a smooth, responsive service. Our pricing is transparent, covering all standard fees: valuation, legal, set-up, exit, and default where applicable. With competitive rates from 0.85% pcm and up to 75% LTV.

Their ethos

At Fairbridge Capital, we take pride in our transparency and the strong relationships we build, which are greatly valued by our brokers and returning borrowers. Each case is assessed individually, as no two loans are the same. We are committed to using our in-house expertise and efficiency to deliver tailored financial solutions that help our clients achieve their goals.

What they specialise in

Fairbridge Capital specialises in residential bridges, refurbishment bridges, commercial and semi-commercial bridges, development exit bridges, second charge bridges, third-party charge bridges, and lending to foreign national borrowers. All credit histories are taken into consideration.

Meet the team

Dalian Gill

Director

dalian@fairbridgecapital.co.uk

Aman Bajwa

Director

aman@fairbridgecapital.co.uk

Contact

85 Gresham Street, London, EC2V 7NQ

www.fairbridgecapital.co.uk

enquiries@fairbridgecapital.co.uk

Lending criteria

Funding model: Institutional and HNWIs
FCA regulated: No
Fixed/variable interest: Fixed
Treatment of interest & default interest: Retained and serviced; default interest 2% pcm above interest rate
Sectors: Residential, commercial, development, HMO, semi-commercial
Max LTGDV: 70%
Max LTC: 90%
Min property value: £100,000
Valuation retypes: Yes
Rental calculations & exposure: N/A
Types of valuation accepted: Red Book valuations, short form reports, AVMs and re-types
New builds: Yes (valuers will be asked to deduct any new build premium)
Heavy refurb: Yes
Grade listed buildings: Yes
Green/sustainable product: N/A
Planning permission needed: Yes
Commission rate: Negotiable
Associations/charters: N/A
Types of landlords accepted: All including foreign nationals
Upfront fees: No, only third-party fees such as valuations and legals
Broker portal: No
Early redemption charges: No, but minimum term is 3 months
Investment: No (lend on vacant possession market value)
Owner occupied: Yes (must be a 2nd charge and for business purposes only)
Electronic signatures accepted: No
Lending on land: No