ESG Bridging Loans

why choose us

  • icon 6

    AVM

  • desktop-val

    DESKTOP VALUATION UP TO £2M

  • Layer_1 (3)

    MAX LOAN UP TO £3M

  • no-min-loan-size

    NO MIN LOAN SIZE

  • decision-makers

    DECISION MAKERS

  • terms-2-hours

    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.

What People want to Know…

Do you offer green incentives for energy-efficient social housing developments? Working on a carbon-neutral project. accordion toggle
Yes, we do and a carbon-neutral project is exactly the kind of development our ESG bridging loans were designed to support. At MS Lending Group, we completely understand that social housing plays a vital role in meeting community needs, thus, we’ve aligned our green lending products to help Registered Providers, Housing Associations, Charities, and CICs deliver energy-efficient homes. With our ESG financing, we actively reward sustainable improvements, this applies across both standard residential properties and social housing projects; yet in your case, carbon-neutral housing schemes, these incentives are even more relevant. Why? Because social housing tenants benefit enormously from reduced running costs thanks to energy-efficient construction, while providers meet their long-term sustainability commitments. By offering tailored sustainability linked loans, we support these dual goals: financial viability for the developer and long-term affordability for tenants. A carbon-neutral project fits perfectly with our approach to bridging loans, so if your development is designed with sustainability at its core, we can provide finance that not only supports your immediate funding needs but also rewards you for delivering long-term positive change.
Do you offer better rates for developments with EPC improvement? Converting D-rated offices to A-rated green workspace. accordion toggle

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client testimonials

testimonials
Residential Commercial

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

Residential Commercial

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

Residential Commercial

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

Residential Commercial

Speed and efficiency were absolutely top-notch, and communication was first class.

The solicitors were excellent too, keeping things moving without a hitch!

BROKER

Residential Commercial

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

Residential Commercial

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

Residential Commercial

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

Residential Commercial

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

pure pf
Residential Commercial

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

prima
Residential Commercial

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

adcs
Residential Commercial

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

capital B
Residential Commercial

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

smartcity
Residential Commercial

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

harry bowes
Residential Commercial

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

create finance
Commercial Auction Property Finance

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

BRIDGING FINANCE TESTIMONIAL.
Residential Commercial

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

Residential Commercial

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

Commercial Residential

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

Commercial Residential

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

Commercial Residential

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

create finance