Bridging & refurbishment finance
A financial institution with purpose.
Tailored short-term property loans across England and Wales, driven by regional knowledge of the ground you build on.
0.00%/mo
INTEREST RATES FROM
£0k
MAX LOAN SIZE
0%
MAX LTV
Change of use
HMO and other conversions.
Refurbishment
Light and heavy works, priced to the project.
Semi-commercial
Shops and offices with flats above.
Auction purchase
Certainty of funds to completion deadlines.
Lending criteria
What we lend on
First-charge bridging finance for property investors and developers. Every loan is assessed on its own merits.
- Loan size
- £50k–£350k
- Term
- Up to 18 months
- Interest
- Serviced or retained
- Security
- First charge
- Location
- England & Wales
- Borrowers, for business purposes
- Companies, SPVs, LLPs and individuals
What we don't fund
- Owner-occupied or regulated loans
- Second charges
- Land without planning permission
- Property outside England and Wales
- Hotels, care homes and pubs
- Petrol stations and golf courses
- Agricultural land
- Mobile homes and houseboats
- Grade I listed buildings
| Product | Maximum |
|---|---|
| Bridging | |
Residential Purchase, refinance, capital raising, HMOs | 80% LTV |
Semi-commercial Mixed use, such as shops with flats | 65% LTV |
Commercial Offices, retail and industrial | 60% LTV |
| Refurbishment & conversion | |
Light refurbishment Cosmetic and non-structural works | 80% LTV · 70% of GDV |
Heavy refurbishment Structural works, planning in place | 80% LTV · 70% of GDV |
Conversions HMOs, title splits, change of use | 80% LTV · 70% of GDV |
Commercial refurbishment Works to commercial property | 60% LTV · 55% of GDV |
| Development & other | |
Ground-up development New-build schemes | On review |
Land with planning permission Plots with consent in place | On review |
Second charges, owner-occupied Also regulated loans and land without planning | Not offered |
Ready to talk through a deal?
Speak to a relationship managerOur regional expertise and dedication will drive significant economic growth.
At Integer Lending, we prioritize innovation, value creation, and growth in our interactions with customers and communities. We actively seek diverse perspectives, promoting a culture that encourages new ideas and solutions. Our aim is to create an environment where everyone feels valued and can contribute to our collective success. We support regional property investors and developers in underserved areas across England and Wales. Our bridging loans range from £50,000 to £350,000, providing the financial backing needed to regenerate and build communities.
Our Mission
Size your deal
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Your indicative quote
0.90% per month
£144,060
Purchase loan received day one
£1,350
Monthly interest payment
75%
Loan to value
2.35%
Arrangement fee
0.95%
Exit fee
Fees deducted from day one
Legals: £500 — paid separately, not deducted above.
Indicative only — subject to underwriting.
Apply for a loan
A financial institution that promotes regional prosperity
Backing property developers who are regenerating underserved regions across England and Wales.
WHAT WE DO
Developing Communities
Collaborating to rejuvenate and strengthen housing opportunities.
Regional Expertise and Dedication
Relationship Managers with deep understanding of your business needs.
Innovative Development Projects
Dedicated to advancing innovative and affordable development initiatives.
Creating Tailored Solutions
Recognizing your challenges and collaborating to provide customized funding solutions.
Driving Economic Prosperity
Our lending commitment fuels economic growth and prosperity.
Promoting Regional Job Creation
Generating jobs and supporting developers focused on local employment opportunities.
Industry Overview
Addressing a Critical Need
Expanding SME Funding Gap
Lending to developers across the UK has significantly declined over the past five years, with the steepest reductions occurring in regional areas.Chronic Housing Undersupply
Only around 235,000 of the government’s 300,000 annual housebuilding target is currently being met.£166 Billion+
Market opportunity available.Distinct Market Position
Specialist bridging lender, with a focus on refurbishment and HMO conversions.Guided by a Wealth of Experience
A blend of real estate insight and seasoned financial expertise.