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why choose us
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DESKTOP VALUATION UP TO £2M
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MAX LOAN UP TO £3M
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NO MIN LOAN SIZE
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2ND CHARGE
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DECISION MAKERS
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TERMS WITHIN HOURS
Bridging Finance Loans Manchester
If you’re looking for bridging finance, Manchester-based, then look no further than our team here at MS Lending Group who are able to provide you with the funds to make decisions confidently, rather than waiting on lengthy loan agreements.
Find out here how you can benefit from our bridging loan Manchester services for the best outcome when it comes to your investments.
How to Use Your Bridging Loan
Knowing what bridging finance loans are, and knowing how to use them are different.
While you may be aware of the fact that a bridging loan is a short term financial solution for fast funds during property transactions, you may not know that there are numerous ways to actually use the bridging loan.
So, what are the key ways our valued customers can utilise their instant bridging loans?
- Property purchasing
- Auction properties
- HMO Bridging Loan
No matter the size of the project, big or small, we have the expertise, the team and the high levels of competence to get fast bridging loans to our clients so they can act competitively during high pressure situations.
We never want to be the reason that you miss a golden opportunity on a property due to lengthy checks and processes, for that reason we are the team to choose for residential bridging loans, auction, and everything in between.
Our Manchester Bridging Loan Services
Our Manchester bridging loan services span wider than your average lender, we want to be there for any size of investor. Whether it is the first time, or the 10th time, we are here to provide finance when it matters the most.
We’re always aiming to expand our services, our product list is constantly growing and keeping up to date with latest industry trends to ensure that no matter the unique circumstances, we’re able to help.
- Residential bridging finance
- Commercial bridging finance
- Auction finance
- Day rate
- HMO’s
- Land Bridging finance
- Semi-commercial bridging loan
- Residential capital raise bridging loan
We ensure only the best from our extensive team of financial experts.
With years of bridging loans in Manchester and surrounding areas, we are able to offer a fast and secure solution to property finance.
How Our Services Work
So, how do our bridging finance solutions work?
We are happy to offer specialised services in Manchester that are to serve people who are looking for a fast turn around to act confidently during an investment.
Our services work by you, reaching out to our team. Our team has local expertise for bridging finance for property acquisition, residential property, auction finance and more; if you find yourself in one of these exciting situations then get ready to invest with our help.
Once you have spoken to our team about bridging finance in Manchester, we direct you toward the next steps.
Each and every investment is different, but our determination to help you make a deal sooner rather than later never changes.
We will guide you through the ease that is our application process and then promptly, we can provide approval and funding with a speedy turnaround so you can act fast.
Get in touch with us to find out how bridging finance for developers and big or small scale investors are able to make their dream investments a reality with our financial assistance.
What people are asking…
“I’ve found an investment property in Manchester and the vendor wants to complete in two weeks. Can a Manchester bridging lender move that fast?”
Yes, a two-week completion can certainly be achievable for a Manchester property, but speed depends on how quickly the lender can respond to the transaction and whether there are any issues with the property or legal work.
However, in these situations, bridging finance is the most reliable option since it is specifically designed for situations where a conventional mortgage does not fit the required timescale.
Some lenders, like at MS Lending Group, have the ability to provide terms within hours, allowing suitable cases to move through underwriting without waiting for a lengthy lending process.
This doesn’t mean that there is a lack of oversight; in fact it is quite the opposite. There are still checks that need to happen; the lender needs to understand the property, loan amount, valuation and proposed exit, while solicitors need to deal with the legal work required for completion.
Where the transaction is straightforward, having the right information ready from the beginning can make a huge difference. This includes the purchase price, details of the property, your funding requirement, and importantly your intended exit.
So, if a Manchester vendor is asking for completion in two weeks, the important question is not whether bridging finance is fast, it is.
The real question is whether the particular deal can be assessed, underwritten and legally completed within that timeframe competently.
“I’m buying my next property before my current one sells. Can bridging finance in Manchester cover the gap so I don’t lose the purchase?”
Yes, in fact this is one of the most established uses of bridging finance, a hugely popular use of short-term funding is to purchase a new property before the existing property has sold.
Great property opportunities can be missed, so instead of waiting for the sale proceeds to become available, a bridging loan can provide the funds necessary to complete the new purchase.
Your existing property can then form part of the repayment strategy, with the bridge repaid once the sale completes, while this can be straightforward with the right lender and planning, the structure needs to work from the outset.
For instance, a reputable lender will want to understand both properties, the amount being borrowed, the expected sale value of the existing property and how long the sale is realistically expected to take.
The proposed exit is particularly important, lenders like us at MS Lending Group require an exit strategy before committing to a bridging loan, which could involve the sale of a property or refinancing onto longer-term finance like a long term mortgage.
“I’ve been declined by a high street lender on a Manchester property that needs work, will a bridging lender still consider it?”
Potentially, yes, a high-street mortgage decline does not automatically mean that bridging finance is unavailable since they’re two different entities entirely.
Traditional mortgage lenders often have strict criteria around property condition, construction, habitability, valuation and the borrower’s circumstances.
These are considerations in which bridging lenders do consider, but don’t consider as heavily as a clear exit strategy for instance.
A property that needs significant refurbishment may therefore fall outside a conventional lender’s criteria even where there is a viable investment behind it.
Bridging finance works differently because it is short-term funding and can be structured around a specific property and exit strategy.
For example, a property requiring refurbishment could potentially be purchased with bridging finance, the works completed, and the loan then repaid through sale or longer-term refinancing.
Bridging loans however are typically distributed on a case-by-case basis rather than relying solely on a tick-box approach.
When applying, explain the reason for the decline, what work the property requires and exactly how you intend to repay the bridge, more often than not bridging lenders are able to assess the risk and the potential value of the property after the investment from the bridge.
Long term mortgages and bridging loans are two ends of a lending spectrum and should be treated as such, for more information, get in touch with our team to find out more.
frequently asked questions
READY TO MAKE AN APPLICATION?
Submit our application form or speak to one of our team members if you have any questions
client testimonials
Pretty seamless experience. Speed of underwriting was top notch, knowledge of loan (security and product) was clear and thorough, and the appetite to lend was excellent.
Even when the underwriting process stalled (borrower-side delays), regular check-ins from the team to make sure everything was okay meant that the deal was kept alive and well so that when the borrower was in a position to complete, there were no delays.
BROKER
MS Lending Group pulled it out the bag once again! When they say they’ll deliver, you can absolutely trust that they will!
This was one of those cases where everything came down to the wire. The MS Lending Group team stepped up brilliantly, taking a proactive, common-sense approach and working tirelessly to make sure we got it over the line.
Their calm under pressure, responsiveness, and determination to find solutions made all the difference. It’s always a pleasure working with professionals who genuinely care about helping brokers and clients achieve the right outcome.
BROKER
The case was submitted with a really tight deadline, so needed clear communication and speed throughout.
The team worked really hard to complete this case in time for the applicant. They were communicative, efficient and motivated to get our application over the line.
We were really impressed with the service from start to finish and wouldn’t hesitate to use MS Lending Group or future cases!
BROKER
Speed and efficiency were absolutely top-notch, and communication was first class.
The solicitors were excellent too, keeping things moving without a hitch!
BROKER
Our client called in an extreme sense of panic as he was approaching the end of his notice period on which he had exchanged on and was at risk of losing a hefty deposit.
Given this, the only lender who would meet the deadline with a desktop valuation was MS Lending Group.
The whole process was extremely efficient, quick and smooth!
BROKER
Super fast service! The application was sent on a Tuesday evening, the desktop valuation was done quickly, and funds released on the Friday, so extremely happy!
BROKER
Fast turnaround times, excellent responsiveness, and outstanding customer care are consistently delivered by the team at MS Lending Group.
Having completed five deals within a short space of time, I have nothing but positive feedback.
There is always a solution-driven approach to getting the deal over the line!
BROKER
Fantastic service – application to completion in 12 working days!
Auction purchase with a 15-day completion time on a semi-commercial property. The ability to use a desktop valuation along with the speed of the underwriting meant a great result for the client.
BROKER
The communication throughout the entire process was outstanding.
The team were incredibly responsive, answering all questions promptly and providing regular updates on the status of my application.
I never felt left in the dark, the application process was straightforward and well organised.
BROKER
Excellent speed and response times to all queries.
With a very tight timescale for the client, all parts of the operation pulled together to get there in a very small amount of time!
I cannot fault anything with the whole process!
BROKER
MS Lending Group were phenomenal as always!
The ‘get the deal done’ ethos is (with a lot of lenders) exactly what is missing in bridging, but not with MS Lending Group.
A common-sense approach over the tick-box exercise mentality applied by some is refreshing to say the least! The staff are great too, really friendly and helpful!
BROKER
Communication with everyone at MS Lending Group, in particular Mike Watson, was exceptional.
Clear, concise, common-sense approach to all queries raised and a very fast process with no delayed SLA queues.
17 days, including weekends, from application to completion!
BROKER
Communication is always exemplary with the team at MS Lending Group.
I really value the relationship that we have and the continued support that we get to help our clients.
BROKER
The service was amazing! From the start of the deal with Adam to the application team, everything was so smooth!
The requirements asked for were completely reasonable, and everything was reviewed within a 2-hour turnaround time (if not hours)!
The whole process from start to finish was outstanding, especially on such a sensitive case.
BROKER
The Speed and communication from the team at MS Lending Group, from the Relationship Managers, through to the Underwriters, was top-notch.
The ability to use a desktop valuation on a £1.2m property was the key to recommending MS Lending Group since we’d already lost a few weeks on an auction purchase after the all too familiar back and forth with a very cautious Underwriter for another lender.
BROKER
The customer service throughout.
The communication was excellent. Was never left waiting for a response.
The turn around. It was a matter of less than a week once everything was provided.
BROKER
As always, second to none service from MS Lending Group.
Speed, service, simplicity as is the MS Lending Group way.
Special shout out to Sam Bryce and Aimee Everton who were on top form throughout with updates, requests and another on-time completion!
BROKER
Most recently, a client of ours had been let down from their lender at the very last minute. They were really up against it in terms of time, and typically this business would have been lost. Knowing MS Lending Group entered the market with a no valuation necessary product up to £500,000, we quickly got in touch.
MS Lending Group approved the transaction within 24 hours, instructed solicitors, and the client was able to complete before their completion date. It was refreshing to see such a new business working in a slick and professional way.
BROKER
The communication and speed have been second to none. There seems to be many touch points by both the sales team and underwriter throughout which has kept the deal moving at pace throughout.
It really helps when all sides are communicating and are motivated in getting the deal done.
BROKER
The service was amazing! From the start of the deal with Adam, to the application team, everything was so smooth!
The requirements asked for were completely reasonable and everything was reviewed within a 24 hour turnaround time (if not hours)!
The whole process from start to finish was outstanding, especially on such a time sensitive case.
BROKER
news & Insights
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