why choose us
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AVM
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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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DECISION MAKERS
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TERMS WITHIN HOURS
What’s an ESG Financing Bridging Loan?
If you’re in the property industry, sustainability and responsibility are becoming more and more valuable as time goes on.
That is why ESG bridging loans from MS Lending Group provide a solution, offering short-term finance that helps investors and/ or developers align property projects with environmental, social, and governance goals – also known as ESG.
So what do ESG loans actually do to contribute to this goal? ESG financing combines the speed of bridging finance with the benefits of green lending, for instance, the funding could be used on improvements to a property’s energy efficiency, or supporting community-focused housing schemes.
Ultimately, ESG financing solutions work to allow borrowers to achieve their investment goals while making a positive impact.
What Sustainability Linked Loans Can Be Used for
The good news is, our sustainability linked loans can be used across a range of residential and commercial property projects, designed to encourage both financial and environmental returns. Examples include:
- Residential purchases up to 85% gross
- Commercial purchases up to 75% gross
- Projects with social housing providers, registered charities, and CICs
A signed agreement for lease with a Housing Association, Registered Provider, Charity, or CIC must be evidenced before loan completion, and all leases must have at least 10 years unexpired.
These conditions ensure that our green lending products deliver genuine benefits for all.
Energy Performance Features of ESG Bridging Loans
One of the standout features of our ESG bridging loans is their link to property energy performance.
At redemption, MS Lending Group will refund £1,000 of the total gross loan amount if improvements have been made to the EPC rating during the term of the loan (with a minimum C rating required).
This reward structure ensures that investors benefit not only from potential property value uplift but also from reduced running costs and improved marketability.
By tying financial incentives to sustainability outcomes, our ESG financing has the potential to directly support borrowers in creating greener, more efficient buildings; what you need to know is…
- Copy of current EPC rating required before completion
- Updated EPC evidenced on redemption
- Available on both purchases and cap raises
- Residential properties only
- Energy Performance products only available for loans paid back within the term agreed
Features of Our Green Lending ESG Loans
- No minimum Bridge term
- 2% arrangement fee
- Exit fee – 1 month interest
- Unregulated Bridging only
- Valuations may be required on receipt of application
- No minimum loan size
- Max loan £3 million or higher on request
- 1st charge business only
- Up to 12 months Bridge as standard
- Up to 18 months Bridge on request
Choose MS Lending Group for ESG Financing
At MS Lending Group, we understand that the property sector plays a key role in working together towards a more sustainable future. Our ESG loans and green lending products are built around these principles and understand the pressure you may be under in the property industry.
By choosing us, you’ll work with a lender that delivers fast yet reliable sustainability linked loans, all the while rewarding you for creating energy-efficient properties.
So, whether you’re working with us for our goal of supporting social housing providers, or incentivising higher EPC ratings, our ESG financing ensures your project meets today’s market demands.
For more details on how our ESG bridging loans can support your project, contact MS Lending Group today.
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