Why Choose United Trust Bank for Bridging Finance?

Award-Winning Specialist Banking Since 1955

United Trust Bank has been incorporated since 1955, establishing ourselves as a trusted UK specialist bank with deep expertise in secured funding facilities. Our bridging finance solutions are built on decades of experience in property finance.

Key Benefits:

• Award-Winning Service: Fast, flexible, and competitive, award-winning bridging loans

• Substantial Lending: Loans from £125k to £15m with loans available from £100k

• Competitive LTV: Up to 75% LTV on first charge standard bridging loans

• Specialist Underwriting: Separate skilled underwriting teams for regulated and unregulated bridging

• Established Reputation: Nearly 70 years of banking excellence

• Professional Focus: Dedicated intermediary support and services

Standard Bridging Finance

Their flagship bridging loan product offering competitive rates and flexible terms for property professionals and investors.

Key Features:

• Loans from £125k to £15m

• Up to 75% LTV on first charge standard bridging loans

• Security properties located in England, Wales and mainland Scotland

• Fast decision-making with experienced underwriters

• Flexible terms to suit your transaction timing

Ideal for:

• Property purchase before sale completion

• Auction purchases and quick completions

• Property portfolio expansion

• Chain break solutions

• Investment property acquisitions

Regulated Bridging Finance

Specialist regulated bridging solutions for personal property transactions, with full consumer protection and clear regulatory oversight.

Recent Success:

• £3.3m regulated bridging loan to enable customer to pay off 1st and 2nd charge mortgages, personal loans and release equity for refurbishment

• £345,000 second charge regulated bridging loan to support holiday let purchase and renovation

Benefits:

• Full FCA regulation and consumer protection

• Dedicated skilled underwriting team for regulated proposals

• Suitable for personal property transactions

• Transparent terms and conditions

• Professional service standards

Non-Regulated Bridging Finance

Flexible bridging solutions for business use and commercial property transactions where regulation isn't required.

Features:

• Business property acquisitions

• Commercial bridging transactions

• Professional property development

• Dedicated skilled underwriting team for unregulated proposals

• Competitive commercial rates

Second Charge Bridging

Specialist second charge bridging solutions with competitive LTV ratios and flexible terms.

Key Details:

• Maximum LTV up to 70% on second charge bridging loans

• Reduced rates across entire second charge range

• Available for both regulated and non-regulated lending

• Professional underwriting approach

• Flexible security arrangements

Competitive Rates and Terms

Market-Leading LTV Ratios

Loan-to-Value Ratios:

• First charge standard bridging: Up to 75% LTV

• Second charge bridging: Up to 70% LTV

• Competitive rates in the 55% to 65% LTV range where brokers do most business

Loan Amounts:

• Minimum: £100k

• Maximum: £15m

• Substantial lending capacity for large transactions

• Flexible loan structures available

Geographic Coverage:

• England, Wales and mainland Scotland

• Comprehensive UK property coverage

• Local market knowledge and expertise