What we see in the South East
- Auction purchases through Clive Emson (Kent, Sussex, Hampshire), Savills, Allsop and the regional Auction House franchises. Tired houses in Medway, Hastings, Portsmouth and Reading; period property in Guildford, Tunbridge Wells and Winchester.
- Buy, refurbish, refinance in the commuter towns, where the rental exit is strong and BTL lenders are comfortable with the values.
- Development exits on small and mid-size schemes: Surrey and Berkshire produce a lot of four-to-twelve-unit developments where the last few units need time.
- Barn conversions and rural property under Class Q and full planning across Kent, Sussex, Hampshire and Oxfordshire.
- Commercial on the high street in the market towns, often with permitted development to residential above.
- Land with planning in the M3, M4 and M40 corridors.
Terms in the South East
Pricing is close to London: from around 0.55% to 0.6% per month for straightforward residential investment property at moderate LTV, 75% loan-to-value widely available. Lenders like the region because the exits are dependable: the sale market is liquid and rental demand supports refinances.
Counties
Surrey, Kent, East Sussex, West Sussex, Berkshire, Hampshire, Buckinghamshire, Hertfordshire, Oxfordshire, and the Isle of Wight. Towns we deal with often: Guildford, Woking, Reigate, Maidstone, Canterbury, Tunbridge Wells, Brighton, Crawley, Worthing, Reading, Slough, Basingstoke, Southampton, Portsmouth, Winchester, High Wycombe, Milton Keynes, Watford, St Albans, Oxford, Banbury.
About the numbers on this page. Rates, fees and loan-to-values are typical market ranges for unregulated bridging in England, given so you can size a deal. They are not an offer. Your terms depend on the property, the exit, the lender and you.
Questions about bridging in South East
Do you cover the whole of Kent and Sussex, including the coast?
Yes. Coastal towns like Hastings, Margate, Folkestone and Bognor are active refurbishment markets and lenders are comfortable with them, sometimes at slightly lower LTVs on the most tired stock.
Can I bridge a barn conversion under Class Q?
Yes, with the prior approval in hand. The bridge funds the purchase; a refurbishment or development facility funds the conversion; the exit is sale or a residential-investment refinance once the dwelling is complete.
How quickly can a valuation be done in Surrey or Berkshire?
Usually within a week of instruction. The panel of valuers is deep and the properties are conventional. Rural and unusual property takes longer.
Tell us the deal.
A few numbers and a postcode is enough for a first view. Indicative terms cost nothing and commit you to nothing.