🏗️ Bridging & Development Finance in Hastings

Moving fast on a seafront purchase, St Leonards conversion or small development in Hastings? We’ll help you secure bridging or development funding aligned to your build and exit plan. When a recommendation is required, we’ll connect you with an FCA-regulated adviser.

📌 Use Cases

• Pre-sale purchases and chain repair
• Auction deals with 28-day deadlines
• Refurbs to make properties mortgageable
• Capital for planning uplift or site assembly

🛠️ What We Do

• Define leverage against purchase price, works and GDV
• Benchmark lenders on speed, fees and monitoring requirements
• Coordinate valuation, legal work and QS inspections
• Structure interest to suit cashflow (retained/rolled/serviced)

💼 Facilities

• Regulated & unregulated bridging
• Light/heavy refurbishment finance
• Development loans with staged drawdowns

📊 Key Criteria

• LTV/LTGDV: Bridges up to ~75% LTV; developments sized to LTGDV and equity
• Exit: Credible sale pipeline or refinance path
• Experience: Heavier schemes favour proven delivery
• Security: Condition, EPC and planning status

⏱️ Timing & Costs

• Indicative terms: 24–48h; completions ~1–3+ weeks
• Costs: Monthly rate + arrangement/exit, valuation and legal fees
• Cashflow: Choose retained/rolled or serviced interest

📍 Local Notes

Hastings/St Leonards regeneration provides resale opportunities; valuers focus on spec level and comparable evidence. For flats, check lease terms and building compliance early to support exit.

❓ FAQs

⏳ How long should my bridge be?

Commonly 6–12 months for light works; major projects may need 12–18 months.

💰 Can I borrow fees and interest?

Often, if within maximum leverage and GDV headroom.

📑 What reports will lenders want?

Valuation, schedule of works, cost plan; QS monitoring for development.

🏦 What if my exit is a refinance?

An AIP/affordability evidence helps; plan term products early.

🚀 Next Steps

Send property details, costs and exit plan. We’ll outline lender options and connect you with an FCA-regulated adviser.