Tapton Capital Second Charge Bridging Loans | Unlock Property Equity Fast
In property investment and development, liquidity can make or break a deal. If you already have a mortgage or first charge on your property, refinancing may prove too expensive or take too long. Second Charge Bridging Loans from Tapton Capital offer a faster, smarter, and more flexible solution, unlocking the equity in your property without disrupting your existing financing.
What Is a Second Charge Bridging Loan?
Bridge loans are secured loans that sit behind first-charge mortgages. Property owners can release additional equity while maintaining the original loan.
Example:
If your property is worth £1 million and you have a first mortgage of £600,000, a second charge lender can advance additional funds based on the remaining equity - typically 70–75% combined loan-to-value (CLTV).
Cash flow support, property purchase, refurbishment, and business investment can all be supported with this funding.
How Second Charge Bridging Works
The facility structure at Tapton Capital is designed around your existing finance and exit strategy.
1Property Assessment
We assess your property's value, mortgage, and equity.
2Loan Structuring
We structure bespoke second charge loans in the range of £100,000 to £5 million over a period of 3 to 18 months.
3Approval Process
There is no need to refinance the first mortgage, so approval and drawdown are often completed in 3 to 5 working days.
4Exit Strategy
Refinancing, selling, or other capital events are used to repay the loan.
Second charge bridging offers investors and developers quick access to liquidity with its structured funding model.
When to Use a Second Charge Bridging Loan
Bridging on a second charge is the ideal solution when refinancing isn't possible or only a quick interim funding solution is available. The following are common uses:
Property Refurbishment
Improve a house without remortgaging.
Business Cash Flow
Releasing equity for trading capital or tax payments.
Auction Purchases
Use existing equity to secure time-sensitive property deals.
Development Finance
Increase funding mid-project to cover overruns.
Investment Opportunities
Expanding portfolios or acquiring new companies.
Tapton Capital gives you fast, flexible funding – without disrupting your mortgage.
Benefits of Tapton Capital Second Charge Bridging
1. Quick and Efficient Funding
Obtain funds in days rather than weeks, allowing you to take advantage of property or business opportunities more quickly.
2. Retain Your Existing Mortgage
No need to refinance or pay early redemption fees for your first charge loan.
3. High Loan-to-Value (LTV)
Your property's total value (CLTV) may be financed up to 75% depending on the circumstances and asset type.
4. Flexible Terms
The loans are available for 3 to 18 months, with interest rolled up and no penalties for early repayment.
5. Versatile Use of Funds
Development, investment, cash flow, and bridging transactions.
Our facilities are tailored to your financial goals, ensuring speed without sacrificing structure.
Why Choose Tapton Capital?
Tapton Capital provides bespoke bridging, development, and asset-based finance solutions for UK property investors.
As a result of our second charge bridging loans, we are able to:
- Within 24–48 hours, deliver decisions.
- Assist both individuals and corporations with their borrowing needs.
- Rates and LTV structures should be competitive.
- Offer mixed-use, residential, and commercial property insurance.
- Personalised advice and transparent fees are provided.
Our extensive lender network and hands-on experience help clients unlock equity quickly and confidently.
Ready to Unlock Your Property Equity?
Get fast, flexible second charge bridging finance without disrupting your existing mortgage.
Get Free ConsultationConclusion
Using Tapton Capital's Second Charge Bridging Loans is an intelligent and efficient way to unlock property equity without disrupting existing finances. We offer customisable lending structures that are fast, flexible, and reliable, regardless of whether you need to fund a refurbishment or bridge between sales.
Tapton Capital provides clear terms, fast approvals, and expert support when you need it most.
Taking your equity to the next level with Tapton Capital.