Lendlord / Products2026 Rate Book
Four products. One underwriter. Same speed.

The right bridge for your project.

Whichever way you are investing, an auction win, a flip, an ESG retrofit or a chain to mend, we have underwritten cases like yours hundreds of times. Pick the product. We will quote in minutes.

Up to 90%Max LTV
5 minTime to indicative terms
5 to 20 daysStandard completion
4 daysRecord completion
Residential bridging loans

Buy now, refinance later.

Closing on a flat and the BTL mortgage cannot hit in time? A chain that needs a few weeks of room? Residential bridging covers the gap.

  • Up to 90% of purchase price (75% LTV on CMV)
  • Loan sizes £30k to £2m
  • Open-ended exitSale, refinance to BTL or release of liquid capital
  • From 0.75% per month
  • Dual legal representation accepted
Quote in 5 minutesContact us
Residential auction property finance

Built for the 28-day clock.

The hammer falls, the contract is signed, and a non-refundable 10% is on the table. You have 28 days to complete or you forfeit. Lendlord has done it in four. Pre-auction Heads of Terms available so you bid knowing the money is there.

  • Pre-auction HoT issued in 24 hoursWalk into the room with terms already approved
  • Auction-day priority deskOur bridging team is on call the day of the sale
  • Desktop valuations on some casesNo surveyor wait when the clock is ticking
  • Dual-rep solicitor on standby
  • Loan sizes £30k to £2m
Quote in 5 minutesPre-auction HoT
Light refurbishment bridging

Purchase and refurb, one facility.

For BRRR investors and property developers: a single facility that funds both the acquisition and refurbishment. The full facility is agreed upfront, with funds available for the purchase and approved works. Suitable for light-to-medium refurbishments including kitchens, bathrooms, EPC improvements, external wall insulation (EWI), room reconfigurations, and similar value-add projects. More complex schemes, structural works, or ground-up developments are typically better suited to development finance.

  • Up to 100% of refurb costFunded via a second advance based on the GDV, sized on the post-works valuation, not the day-one number
  • Single underwriter, single solicitorLess paperwork, fewer phone calls
  • From 0.75% per monthLoan sizes £30k to £2m. Exit on sale or refinance to BTL
Quote in 5 minutesBRRR case studies
ESG bridging

Lower-carbon stock, lower-cost finance.

A discounted-rate facility for retrofits that move an EPC by two or more bands, or for properties already certified B or above.

  • Rate discount tied to EPC upliftTiered against the energy-rating uplift
  • Retrofit drawdowns in tranchesEWI, heat pumps, glazing, solar, MVHR
  • EPC re-issue at exit
  • From 0.85% per monthLoan sizes £30k to £200k. Aligned with sustainability disclosures
Quote in 5 minutesRequest a callback
The Lendlord advantage

Six reasons investors pick us.

The differences are practical, not marketing. They show up in your cost of capital and your closing date.

  1. 01

    Terms in five minutes

    Digital underwriting against open banking, AVM and Land Registry. Indicative offer available in minutes.

  2. 02

    Market-leading speed

    Most lenders complete in 28 days. We do it in 5 to 20, with a record of 4. The capital is in-house, so there is no funding-line bottleneck.

  3. 03

    High leverage

    Up to 90% of purchase price (75% of market value), with additional security on a second asset.

  4. 04

    All-in-one funding

    Purchase and refurb on a single facility, with refurb funded via a second advance on GDV. One offer, one drawdown schedule, one exit.

  5. 05

    Dual legal representation

    One solicitor for both sides. Saves 1 to 3 weeks and a stack of duplicated enquiries.

  6. 06

    Dynamic Bridging

    Exit early and the rates scale down with you. No exit fees. You don’t pay for time you don’t use.

Product FAQ

Specific questions, specific answers.

For general bridging questions, check the homepage FAQ. The below is product by product.

Can I bridge a property I cannot mortgage today?
Yes. Residential bridging routinely funds properties that aren’t mortgageable in their current state (no kitchen, no bathroom, short leases, structural issues). The light-refurb product layers refurb funding on top.
What is a pre-auction Heads of Terms?
An indicative offer issued before the auction, conditional on the lot details and a successful bid. It lets you raise the paddle knowing the financing is in place.
How do refurb drawdowns work?

We provide a single facility with two advances. The first advance is released on completion to fund the purchase or refinance of the property. The second advance is released once the agreed refurbishment conditions have been satisfied, allowing you to fund the planned works.

This structure is ideal for BRRR investors and developers undertaking light-to-medium refurbishments, including kitchens, bathrooms, EPC improvements, room conversions, and cosmetic upgrades. More complex structural works or ground-up developments are typically better suited to development finance.

What counts as a light refurb?
Cosmetic and operational work that doesn’t require building regs sign-off as a major project: kitchens, bathrooms, decoration, new boilers, EWI, EPC uplift work, single-storey rear extensions and loft conversions in some cases. Anything structural, or that adds units, moves to development finance.
What EPC uplift unlocks the ESG discount?
Two bands or more, ending at C or above. Properties already rated B or A get the discount without additional works. Our data partner re-rates the property after retrofit using the standardised RdSAP methodology.
Do you lend in Scotland and Northern Ireland?
Not currently. We currently lend on investment properties located in England and Wales only. We may expand our lending coverage in the future, but at present we do not offer loans secured against properties in Scotland or Northern Ireland.
What about commercial bridging?
We bridge mixed-use and semi-commercial assets (shop with flats above, B&B, HMOs). Pure commercial is on the roadmap. Talk to a bridging expert for case-specific terms.
Step into Lendlord

Pick a product. Pick a date.

The desk gives you a rate. The capital gives you the completion date.

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