Tapton Capital Equitable Charge Bridging Loan : Smart Property Funding with Flexibility
Property transactions do not always fit into traditional lending structures. Deals can move quickly, involve complex ownership, and require funding without first-charge lender consent. Investors and developers can raise capital quickly while maintaining control of their assets with Tapton Capital's Equitable Charge Bridging Loan.
What Is an Equitable Charge Bridging Loan?
Equity charges are forms of legal security placed over properties without a first lien being held by the lender. The equity in the property enables Tapton Capital to advance funds even if a first charge already exists.
Borrowers who fit this profile include:
Need short-term funding for an existing mortgage.
Require quick capital without disrupting the main lender.
Releasing equity to invest, refurbish, or manage cash flow.
Equitable charge loans emphasise speed, flexibility, and equity position, not just ownership status.
How Tapton Capital Equitable Charge Loans Work
For efficiency and transparency, the process is streamlined:
Assessment
Tapton Capital evaluates the property's equity, ownership structure, and repayment plan.
Valuation
Lenders determine available equity with desktop or full RICS valuations.
Offer & Agreement
The loan is tailored to meet your needs, usually between 60% and 70% LTV.
Legal Charge Registration
Both parties are protected by the equitable charge registered at the Land Registry.
Funding
Your project or investment will receive funds within days.
It takes less time to complete equity charges than first-charge loans because they don't require first-charge lenders' consent.
Tapton Capital Equitable Charge Bridging Benefits
1. Fast Funding
Within 48-72 hours of approval, you can access capital.
2. No First-Charge Consent Required
For properties with primary mortgages or fixed-term loans.
3. Flexible Use of Funds
Cash flow or refurbishment projects can be used to repay the loan.
4. Transparent Terms
Clear interest structures tailored to your project timeline, with no hidden fees.
5. Retain Control of Your Asset
The borrower keeps full ownership of the property while releasing equity.
When to Use an Equitable Charge Bridging Loan
It is perfect for:
Developer Capital Needs
When a first charge remains in place, a developer needs capital.
Portfolio Expansion
Expansion of property portfolios without refinancing.
Repairs & Cash Flow
Repairs or cash flow management for landlords.
Business Trading Support
To support trading needs, business owners unlock property equity.
Private Funding Solutions
Private funding solutions for high-net-worth borrowers.
As well as trusts and company-held assets, it's a popular choice for complex ownership structures.
Why Choose Tapton Capital?
Bridging solutions offered by Tapton Capital are transparent, fast, and bespoke.
We offer Equitable Charge Bridging Loans because we provide:
- Decisions within 48 hours.
- Optional interest roll-ups.
- Commercial and residential assets are covered nationwide.
- Obtaining private and institutional funding.
- Underwriting and legal experts ensure a smooth process.
If the borrower wishes to refinance, develop, or purchase property, we tailor each loan to the borrower's needs.
Conclusion
Equitable Charge Bridging loans are smart, flexible financing tools that provide quick access to property equity without the complexity of refinancing. Investing in this product offers developers and investors speed, flexibility, and expertise to unlock capital at the right time.
Tapton Capital provides bespoke equitable charge solutions to bridge short-term gaps, fund new projects, or manage liquidity.
We bridge equity to opportunity at Tapton Capital.
Get Equitable Charge QuoteFAQs
Unlike a first-charge lender's approval, equity-based loans are short-term loans secured by equity in property.
Short-term lending services for investors, landlords, and developers.
We can arrange funding within 48 to 72 hours depending on valuation and legal requirements.
LTV typically reaches 70%, depending on the availability of equity and the type of property.