Common questions on bridging finance and private lending.
Everything you need to know about bridging finance and luxury asset lending with The Lending Agent.
**How quickly can you complete?**
Equitable charge lending can complete within 72 hours. First charge bridging typically completes in 3–5 working days. We move at a pace mainstream lenders simply cannot match.
**Do you check credit history?**
No. We underwrite against the asset, not the borrower's credit profile. Adverse credit history does not automatically prevent lending.
**What is the maximum LTV?**
Up to 75% LTV on full valuation. Desktop and AVM cases typically attract 5–10% lower LTV.
**What loan sizes do you offer?**
We lend from £50,000 minimum up to £2.5 million per asset.
**What types of property do you lend against?**
Residential, semi-commercial, commercial and mixed-use properties across the UK.
**What luxury assets do you lend against?**
Classic and luxury cars, fine art, watches, jewellery and other high-value assets considered on merit.
**How is confidentiality handled?**
All enquiries and transactions are treated with complete professional confidentiality.
**What are your rates?**
From 1% per month depending on loan type and structure. Equitable charge from 1.35% per month.
**Do I need a solicitor?**
Not initially — just submit an enquiry. We will guide you through the process and advise when legal representation is needed.
**How do I apply?**
Submit an enquiry through our Bridging Finance or Luxury Asset Finance pages and we will respond the same day.
Private Capital. Personal Service.
Finance Built on Trust, Delivered at Speed.
The Lending Agent.