We are a leading provider of impartial mortgage advice in London and the South East. We specialise in large mortgage loans for residential property, buy to let property, residential developments and commercial property. In addition to high street lenders, we have comprehensive links with private banks, boutique lenders and offshore banks. All of these lenders have an appetite for larger, more complex mortgages. Working with these financial institutions we are dedicated to finding our clients the best possible mortgage interest rates available and a product that is most suited to their needs.

Contact Us

To discuss your mortgage requirements with one of our fully qualified professional advisers, please call us now

0203 432 1423

Summit Capital Mortgages LLP
Warnford Court, 29 Throgmorton Street
London, EC2N 2AT

Or click here for more contact options.

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Bridging Finance

Bridging Finance is a short-term loan secured against property, used to bridge the gap until longer-term finance can be arranged.

We specialise in delivering a professional and efficient financing service that offers short-term loans to individuals and residential investors. Whether you are looking to bridge a funding gap when purchasing a new property or looking to solve a short term cash flow problem, Summit Capital Mortgages is able to help.

Speed is generally the crucial factor when it comes to bridging finance and a decision can usually be obtained within a couple of hours and completion within 5 days.

The main uses of bridging finance are as follows:

Broken chain - when you have found the property you wish to purchase, but the chain has broken down. Bridging finance can be used to purchase your new home before your current property has been sold.
Auction Purchase - when buying at auction, you generally must complete within 28 days. Sometimes you may not have time to arrange a conventional mortgage, and bridging finance can be used to complete on the purchase within the deadline.
Below Market Value Purchase - if you manage to secure a property being offered at a discount to its open market value, it may be possible to secure bridging finance based on the value of the property rather than on the purchase price. Conventional lenders would only lend at the lower of the purchase price and the open market value.
Retention - if a property needs substantial repairs to make it habitable, conventional banks will not lend until the work is complete. It is possible to arrange a bridging loan whilst the property is being renovated. Once the work is complete, a conventional mortgage can be used to repay the bridging finance.

To learn more about these products, simply call one of our consultants on 0203 432 1423 or click here for more contact options.

YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT
Summit Capital Mortgages LLP is an appointed representative of KBF Mortgage Consultants Ltd who is authorised and regulated by the Financial Conduct Authority.. In association with Mortgage Force Ltd. There may be occasions where we may charge a fee which will depend on your circumstances. In these situations we will inform you at an early stage, the fee typically being no more than 1% of the total loan amount, payable on completion of the mortgage. The Financial Services Authority does not regulate some aspects of buy to let mortgages, commercial mortgages, bridging loans, development finance and overseas/offshore mortgages. Changes in the Exchange Rate may increase the Sterling equivalent of your debt. You voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with the Data Protection Act 1988.