Family Building Society

Hope Capital is a privately funded specialist provider of bridging loans of up to 5m for a term of up to 18 months. They strive to lend on every deal with a clear exit route, no matter how tricky or unusual. They have a reputation for finding a solution when other lenders can’t – and doing so in record quick time.


Unregulated transactions and investors looking to acquire residential property, remortgage existing finance or release capital from existing investment property as working capital, covering cash flow and other liabilities, investing in or expanding a business, breaking a mortgage chain, purchasing a property under value (by referral), refurbishing a property (max LTV by referral), debt consolidation etc.

Property includes All - Residential properties (including BTL and Holiday Lets in England and Wales) where unregulated lending applies. Multiple-unit properties and properties owned in complex structures are considered.

General Criteria:

  • Loan term: Up to 18 months (>12 months by referral)
  • Applicant: UK Residents and companies/trusts. Non-UK Residents & companies/trusts, ex-patriates, foreign nationals and offshore companies (considered on an individual basis, rate loading may apply on referral). Individuals including High Net Worth Individuals – for business purposes. Partnerships. Companies & LLPs. Unusual and complicated ownership structures.
  • Credit Status: All borrowers considered. No credit score, ranging from perfect to imperfect credit histories.
  • Valuation: Minimum £75k (mutiple units/rooms 10+ min £7.5K per unit, ex-council flats >£150k considered). No Maximum.
  • Minimum Loan: £50k. Less than £100k considered on merit.
    Max Loan £5m: £5m (> £500k by referral)
  • Facility Fee: 2%

Range Highlights:

  • Up to 75% LTV
  • Rate based on Plan 1 Credit Profile - see product criteria
  • MINI Loans £50k to £149,999 - Rates from 0.89%
  • MIDI Loans £150k - £500k - Rates from 0.83%
  • MAXI Loans £500,001 plus - Rates from 0.83%

To discuss Hope Capital call our sales team on 01403 272625 (option 2) or email us at To discuss Bridging and Commercial call on 01403 272625 (option 4) or email us at

Family Building Society

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