Bridging & Development Loans in Keston

Short-term and development finance for Keston, Locksbottom and BR2.

Keston and the surrounding area feature a mix of semi-rural homes, small developments and local parades. If you’re acquiring a property that needs work, building from the ground up, or simply need fast capital, bridging loans and development finance can help fund the project while you deliver the works.

We support investors and developers in Keston, Locksbottom and BR2 and, where advice is required, introduce you to FCA-authorised and specialist short-term finance brokers/lenders.

Typical Uses for Bridging Finance

• Purchasing a property that needs refurbishment before refinance.
• Funding a purchase while waiting for a sale to complete.
• Buying at auction where deadlines are tight.
• Raising short-term capital against an existing property.

Development Finance in and Around BR2

• Small new-build schemes.
• Extensions and heavy refurbishments.
• Conversion of buildings into multiple units, subject to planning.

What Lenders Consider

The Project

• Purchase price, build costs and contingency.
• End value (GDV) and projected profit margin.
• Planning status and build timeline.

The Exit

• Sale of the completed property or units.
• Refinance onto buy-to-let, residential or commercial terms.
• Realistic timescales relative to the loan term.

The Borrower

• Experience with similar projects.
• Credit profile and overall financial position.
• Available security and guarantees.

Our Process

1. Initial chat: We discuss your plans, timescale and funding gap.
2. Outline requirements: We explain what information lenders typically expect.
3. Introduction: We introduce you to specialist bridging and development finance brokers/lenders.
4. Exit planning: We help you think ahead to the refinance or sale.

Risks & Key Warnings

• Higher cost: Short-term finance is more expensive than standard mortgages.
• Exit risk: If the project overruns or the market changes, profit can be eroded.
• Security: Loans are usually secured on the property and may involve personal guarantees.

Our Role & FCA Disclaimer

We are not authorised to give regulated advice on bridging or development finance. Our role is to:

• Explain, in general terms, how these products work and the risks involved.
• Introduce you to FCA-authorised and specialist brokers/lenders for any regulated advice or structuring.
• Help you align your project funding with longer-term mortgage options.

Useful Links

Buy-to-Let Mortgages ·
HMO Financing ·
Commercial Mortgages ·
Remortgages ·
Contact Us

Bridging & Development FAQs — Keston

Can I fund both land and build costs?

Many development lenders will fund a percentage of both land and build costs, subject to experience, GDV and overall risk.

What happens if the build runs over schedule?

You may need to extend the facility or refinance. This can add cost, so realistic timescales and contingency are crucial.

Planning a Project in Keston or Locksbottom?

If you’re looking at a purchase, refurb or development in Keston or BR2, get in touch to talk through the funding options.