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Ascot Bridging Finance

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Ascot Bridging Finance

Beyond Finance. Your Partner in Short-Term Bridging Finance. We are a family run and privately funded bridging lender based in Cheshire.

We pride ourselves on personal service and you will be able to have direct contact with the underwriter. We have the advantage of the underwriter looking at each deal individually and basing their decision on a pragmatic and common sense approach with a ‘can do’ attitude. We also have the benefit of an in-house Solicitor who will act for us to speed up the completion process. We offer first charge

bridging for both purchases and refinances for residential non-owner occupied properties, with loans from £37,500 - 5 million.

04/06/2026

🚀 Unlocking more from Multi-Unit Freehold Finance deals

Another strong example of how structuring around split-title values can completely transform a deal.

By lending against the future exit position, we were able to deliver a net loan exceeding the purchase price, giving the investor immediate access to additional capital to grow their portfolio.

💡 If you’ve got a multi-unit or complex structure — it’s not just about funding… it’s about structuring it properly.

👉 Send your scenario over — we’ll help you unlock its full potential.

29/05/2026

🏡 Case Study: 100%+ Funding for a First-Time Buyer

A recent completion in Cardiff where we helped a first-time buyer secure a short lease opportunity — funding both the purchase and lease extension simultaneously.

🔍 By underwriting on the uplifted value post-extension, we were able to deliver:
✅ Net lending exceeding the purchase price
✅ Day one LTV of 75%
✅ A clear refinance exit strategy

💡 Key takeaway: Complex deals like short leases don’t have to be deal breakers — with the right structure, they can unlock serious value.

📈 From £55k purchase to £115k post-extension value — all achieved at completion.

👉 Got a tricky case? Let’s structure it together. Get in touch today to discuss how we can support your next deal.

27/05/2026

Below Market Value deals? Let’s unlock more flexibility. 🔑

Our Below Market Value Property Finance is designed to help brokers deliver stronger outcomes for their clients — without being capped by purchase price alone.

✅ Lending based on open market value
✅ Potential access to 100% of the purchase price or more
✅ Fast application & approval
✅ Title insurance & dual rep options to keep transactions moving

If you’re working on a BMV opportunity and need a lender who understands the structure — send it over. 📩

22/05/2026

We provided a bridging loan to support an undervalue purchase, lending 75% LTV against the property’s current market value.

This enabled our client to acquire the property outright, with no works required, and generate immediate rental income.

With a 9-month loan term and strong client A&L, the transaction facilitated a smooth exit refinance. This case highlights Ascot’s flexible approach to below-market value purchases and our ability to structure loans that meet investors’ strategic goals.

Have a BMV deal like this? Get in touch today.

13/05/2026

Beyond finance . We unlock the potential in every property. 🔑🏙️

From BMV purchases to small developments, we deliver fast, flexible bridging with clear communication from start to finish.

Rates from 0.69% (0.79%BMV) - let’s get your next deal moving. 🚀

📩 DM us or email to discuss a case.

01/05/2026

We are delighted to welcome James as the newest member of the Ascot Bridging Finance underwriting team.

With almost ten years’ experience in property finance, James specialises in development and bridging cases. He is particularly strong on planning matters and complex development cases, taking a practical, common-sense approach to lending.

Away from the office, James spends his time on DIY projects and walking his dogs, Stan and Murph.

05/04/2026

Happy Easter from everybody at Ascot Bridging Finance 🐣🐰

09/01/2025

A Warm Welcome to Our New Team Members!

We’re absolutely delighted to have two fantastic professionals join our Ascot Bridging Finance family:

✨ Naila and Andy have joined us as Bridging Underwriters!

With their wealth of expertise and fresh perspectives, they’re sure to bring even more value to our team and clients. We couldn’t be happier to have them on board.

07/01/2025

From 2-Bedroom to 4-Bedroom HMO

The Challenge:
Client needed funding to purchase a 2-bedroom house to convert into a 4-bed HMO. With a purchase price of £45k — below our minimum property value of £50k — finding a lender willing to support such a low purchase price and loan amount proved difficult.

The Solution:
✅ Approved the loan facility by applying a common-sense approach due to the uplifted GDV of £95k post-refurbishment.
✅ Secured funding through flexibility with our partners, despite the property sitting outside typical criteria.
✅ Enabled the client to self-fund the £17,400 refurbishment works, ensuring project success.

The Numbers:
Purchase Price: £45,000
Refurbishment Costs: £17,400 (self-funded by the client)
Projected End Value: £95,000
Gross Loan: £33,750 (75% LTV)
Loan Term: 12 months

The Results:
The client secured the property and started refurbishment, unlocking the potential for a significant value uplift. With a projected GDV of £95k, this project sets the stage for strong rental income and future equity growth.

📞 Call us today at 01925 467170
📧 Email [email protected]

🔗 Read the full case study:
https://ascotbridgingfinance.co.uk/case-studies/from-2-bedroom-to-4-bedroom-hmo/

19/12/2024

8-Bedroom HMO

The Challenge
Our client aimed to transform an 8-bedroom residential property into a high-performing HMO. With limited upfront funds, delays from solicitors, and down valuations, this project wasn’t without its hurdles.

The Solution
✅ Secured 100% of the purchase price and 100% refurbishment costs upfront.
✅ Strategically used 2 additional properties to maximise funding, including a 1st charge on a background BTL and a 2nd charge on the client’s residential property.
✅ Navigated solicitor delays and down valuations with persistence and expertise.

The Numbers
Purchase Price: £290,000
Refurbishment Costs: £100,000
Projected End Value: £850,000

The Results
In just 8 weeks, the client secured the property and launched a full-scale renovation, creating a high-value HMO set to deliver significant rental income and capital growth.

Call Us Today
📞 01925 467170
📧 [email protected]

🔗 Read the full case study:
https://ascotbridgingfinance.co.uk/case-studies/8-bedroom-hmo/

Address

8 Webster Court
Warrington
WA58WD

Opening Hours

Monday	9am - 5:30pm
Tuesday	9am - 5:30pm
Wednesday	9am - 5:30pm
Thursday	9am - 5:30pm
Friday	9am - 3pm

Telephone

+441925467170

Website

http://www.ascotbridgingfinance.co.uk/

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