Bridging Finance - 2nd Charge

Adelpha Property Finance can offer fast and flexible finance for a wide range of residential, commercial and semi-commercial properties throughout England and Wales with no postcode restrictions. Suitable property security includes:

  • Residential investment properties

  • House in Multiple Occupation (HMOs)

  • Residential conversions

  • New builds / developments

  • Offices

  • Office conversions

  • Industrial properties

  • Barn conversions

  • Farms

  • Farm buildings

  • Land with and without planning

  • Holiday lets

  • Listed buildings 

Key features

  • Security: 2nd charge, 3rd charge, equitable charge and personal guarantee. (Also see 1st charge bridging finance)

  • Maximum LTV using OMV: Residential 70%, Semi-Commercial 60%, Commercial 60%

  • Term: 3 to 24 months

  • Loan Amount: £5,000 to £250,000

  • Rates: From 0.95% per month (flexibility with interest retained or rolled)

  • Location: Anywhere in England and Wales

  • Borrower Credit History: All credit history considered 

  • Borrower Type: Individual (from 18 years old up), Company, Partnerships, Foreign Nationals, Expats, SIPP / SSAS

  • Further advances: funds can be drawn down in stages

Examples of uses for 2nd charge Bridging Finance

  • Release equity to make an urgent tax payment

  • Finance land to enable time to gain an improved planning permission 

  • To enable time to extend the leasehold and increase the property value

  • Finance a completed development in order to release equity to fund the acquisition of the next development site

  • To provide funds to make a stock purchase and expand a business

Contact a Decision Maker

We are here to assist

Adelpha Capital Ltd trading as Adelpha Property Finance do not provide regulated bridge and development loans and are not regulated by the Financial Conduct Authority. Think carefully before securing debts against your property. Your property may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.


Registered Address: Adelpha Capital Ltd, 27 Old Gloucester Street, London, WC1N 3AX, UK

Company Number: 10409699

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