Secure flexible financing with our equitable charge bridging loans. Tapton Capital provides tailored solutions that leverage your property equity to unlock capital for your investment opportunities, development projects, and time-sensitive transactions.
Equitable charge bridging loans offer a sophisticated financing solution that provides security to lenders while allowing borrowers to retain ownership of their property. This type of charge creates a legal interest in the property without requiring a full legal mortgage, making it an ideal solution for complex transactions, portfolio refinancing, and situations where speed and flexibility are paramount. Our equitable charge products are designed for experienced property investors and developers who need rapid access to capital.
Our comprehensive range of specialist services ensures you receive expert support throughout your equitable charge bridging loan journey.
Expert legal guidance to structure your equitable charge correctly, ensuring compliance with regulations and optimal protection for all parties involved.
Comprehensive analysis of your property portfolio to identify the most suitable assets for equitable charge arrangements and maximize borrowing potential.
Streamlined application and approval process designed to deliver funding quickly, often within 7-14 days for straightforward cases.
Dedicated relationship managers who understand your business and provide ongoing support throughout the loan term and beyond.
Thorough risk evaluation and mitigation strategies to protect your interests while ensuring competitive rates and terms.
Strategic planning for loan exit routes, including refinancing options, sale strategies, and alternative repayment methods.
Understanding the Process
An equitable charge creates a security interest in your property without the need for a full legal mortgage. This arrangement allows for greater flexibility in structuring the loan while providing the lender with adequate security. The process involves creating a legal document that grants the lender specific rights over the property, including the right to sell in case of default, while allowing you to retain ownership and use of the property during the loan term.
Discover how equitable charge loans from Tapton Capital can empower you to achieve your property finance goals with confidence and flexibility.
Ensuring Success Through Eligibility Criteria
Eligibility for equitable charge loans entails meeting specific criteria tailored to facilitate seamless access to financing solutions. At Tapton Capital, we prioritize transparency and clarity in our lending process, ensuring that borrowers understand the requirements involved. Applicants must demonstrate a clear understanding of equitable charges and their implications, as well as provide adequate collateral to secure the loan. Additionally, borrowers are typically required to have a stable financial standing and a viable repayment plan. Our team works closely with applicants to assess their eligibility and guide them through the process, empowering them to leverage equitable charge loans to achieve their financial goals confidently.
Empowering Your Property Investment Strategy
Equity charge loans present a unique financing avenue, distinct from traditional lending options. These loans typically involve leveraging the equity in an asset as collateral, offering borrowers access to capital while retaining ownership. Interest rates for equity charge loans can vary depending on factors such as the borrower's creditworthiness, the value of the asset, and prevailing market conditions. Terms are often structured with flexibility in mind, allowing borrowers to tailor repayment schedules to their financial capabilities and project timelines. It's important to engage with a reputable lender like Tapton Capital to gain a clear understanding of the specific interest rates and terms associated with equity charge loans, ensuring alignment with your financial objectives and risk tolerance.
Don't miss out on the opportunity to maximize your returns and secure your financial future. Reach out now to schedule a consultation and take the first step towards unlocking the full potential of your property assets with Tapton Capital.
Schedule ConsultationFind answers to common questions about equitable charge bridging loans
An equitable charge bridging loan is a type of secured financing where the lender takes an equitable interest in your property as security. Unlike a legal mortgage, an equitable charge doesn't require registration at the Land Registry, making it faster to arrange while still providing the lender with security over the property.
An equitable charge provides security to the lender without requiring Land Registry registration, making it quicker to arrange. While both give the lender rights over the property, an equitable charge offers more flexibility in structuring and can be arranged more rapidly than a traditional legal mortgage.
Equitable charge bridging loans typically range from £100,000 to £50 million or more, depending on the property value and borrower's requirements. The loan amount is usually based on a percentage of the property's value, typically 60-75% LTV for most cases.
One of the key advantages of equitable charge loans is speed. Funds can typically be released within 7-14 days for straightforward cases, as the process doesn't require Land Registry registration. Complex cases may take slightly longer but are still faster than traditional mortgage arrangements.
Equitable charge loans can be secured against various property types including residential, commercial, industrial, and development sites. The property must have sufficient value and marketability to provide adequate security for the loan amount required.
Interest rates for equitable charge bridging loans typically range from 0.75% to 2% per month, depending on factors such as loan amount, property type, borrower experience, and loan-to-value ratio. Additional fees may include arrangement fees, legal costs, and valuation fees.
