Types of Bridging Loans Available

Light Refurbishment Bridging Loans

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Security Vitvo Lend On

- Residential Properties
- Non Residential Property with PD or Planning for Conversion to Residential (i.e. Office to Residential)
- First and Second Charge Security
- Multiple occupation (such as HMO’s)
- Properties in England and Wales

Heavy Refurbishment Bridging Loans

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Security Vitvo Lend On

- Residential Properties
- Non Residential Property with PD or Planning for Conversion to Residential (i.e. Office to Residential)
- First and Second Charge Security
- Multiple occupation (such as HMO’s)
- Properties in England and Wales

"Castro" Loan, Development Finance Exit 

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Security Vitvo Lend On

- Residential Properties being Developed, prior to Practical Completion
- First Charge Security
- Properties in England and Wales

Features Of Light Refurbishment Bridging Loans

- No Exit Fees
- Multiple Security Acceptable
- Retained Interest
- Adverse Credit Considered on a Case by Case Basis
- No Minimum Size, Maximium Size £3 Million
- Maximum LTV 70% 1st Charge, Maximum LTV 60% 2nd Charge
- Interest Rates from 0.70% per month 1st Charge, from 0.85% per month 2nd Charge
- No Heavy Refurbishment i.e. Structural changes

Features Of Heavy Refurbishment Bridging Loans

- No Exit Fees
- Multiple Security Acceptable
- Retained Interest
- Adverse Credit Considered on a Case by Case Basis
- No Minimum Size, Maximium Size £3 Million
- Maximum LTV 70% 1st Charge, Maximum LTV 60% 2nd Charge
- Interest Rates from 0.75% per month 1st Charge, from 0.85% per month 2nd Charge
- No Basements or Extensions higher than 2 Storeys

Features Of "Castro" Loans, Development Finance Exit

- No Exit Fees
- Multiple security acceptable
- Retained Interest
- Adverse Credit Considered on a Case by Case Basis
- No Minimum Size, Maximium Size £3 Million
- Maximum LTV 70%
- Interest Rates from 0.70% per month

Bridge Loan Application - Leave your Contact Details, and we will Call you

On receipt of your details, you will receive a call from one of our knowledgeable, and friendly staff. We know each potential Bridge Loan has a story, we would like to hear it. It should be painless and quick, with a DIP following within minutes!
Thanks for the application! We aim to be back to you within the hour, unless outside working hours, in which case on our return
Oops! Something went wrong while submitting the form

1 Hour to your Decision in Principle once you Connect

A decision in Principle can be given within an hour of application, if during weekday hours. We can take a Bridge Loan from Decision in Principle to cash in your bank inside 4 days if necessary.

How to Apply for a Bridging Loan

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Decision in Principle

The first step in obtaining a Bridging Loan is to enter your basic details; your name, type of bridge loan you want, property providing the security etc. On receipt Vitvo will issue a Decision in Principle within an hour, if the application is made within working hours.
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Application Form

If you wish to proceed with the Bridging Loan based on Vitvo's terms; the second step in obtaining a Bridging Loan is to enter your remaining details of the loan in an application form. Parts of it will already be pre-filled from the original details you gave us at the Decision in Principle Stage. On receipt, Vitvo will turn this around in 1 working day.
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Valuation and Legals

All being well, Vitvo will confirm that we can proceed with the Bridging Loan. The third step in obtaining a Bridging Loan, is for Vitvo to arrange for a valuation, typically around £1,000. Simulataneously, Vitvo will work with your solicitor to document the agreed terms in a Bridging Loan agreement. Once this is agreed, and signed by both parties, your Bridging Loan is binding. This can take 3 days if each party is engaged.
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Money Transferred

Once the Bridging Loan has been signed, our solicitor will transfer the money to your solicitor within 3 hours.
This information is strictly for the use of approved intermediaries only
Vita Solvo Ltd registered in England and Wales with company number 08251204  having its registered office at Flat A Melcombe Regis Court, 59 Weymouth Street, London, W1G 8NS