Halifax bridging loan calculator and rates of interest.
Get in touch with us several ways.
There are a many actual ways to actually get in touch to find out more about our private, independent lending service. You can call us by telephone, send us an email, enquire online, use our FaceBook page or tweet us. Which ever way, we tend to respond within an hour and keep your personal details secret due to data protection and other online rules.
We will value your home to determine loan.
When we arrive we will conduct a private, external survey of the building. After completion we need access to the inside so that we can proceed with the internal survey and general viewing. We need to do this to make sure you have enough equity in the property being used as security. We will also work out an exit strategty for you as back up.
Get an offer of finance almost immediately.
From the valuation and the information you give us about any outstanding mortgage or other loans secured on the property, we can ascertain just how much, or if we are able to lend to you. If you are happy with the amount based on your equity and are happy with all the terms and condtions we can electronically send the relevant paperwork across.
Accept & we transfer funds instantly.
As long as all paperwork is present and correct, we can transfer funds to your personal, business or any nominated bank account instantly. We can also work to a specific date if required. From that date we can ascertain which date your interestonly repayments will start. You are not locked into to a time frame. You can clear the whole at any point, no fees.
Or call: 0845 475 1814
Halifax bridging finance alternatives.
To apply for a mortgage with the Halifax, you need to open a bank account with them. From there, because they regulated from top to bottom, you need to pass very stringent credit checks going back three to five years. If you have an almost perfect credit history, you would then need to find a minimum of a 10% deposit. If you can't satisfy any of these three counts, you will struggle to get a mortgage with the Halifax. However we can help. We can offer a short term solution so that you can buy the property outright, then remortgage against the property to pay off our bridging loans. Call us today.
Motor vehicle finance.
The vehicle financing packages offered by the Halifax building society are for those that have a very good credit score. You need no deposit as they will lend you the full amount of the car or vans value and you ay nothing for the first 30 days, It is a set repayment plan, so you stick to a monthly installment figure and pay off over three to five years. If you don't have a good borrowing history, then you will need to use one of the nationally advertised bad credit car sites that will offer finance based on the car and a big deposit paid down at the time of purchase. Please be advised these adverse credit car finance lenders are dear.
No so much debt consolidation in the broadest sense, more of a one bill solution. Most debt consolidation companies work directly with those that are struggling with car, personal, short loans repayments combined with mortgage or remortgage debts to get everything into one place for a lower monthly outgoing. The Halifax's debt consolidation is only for those with a good credit history. They cannot help people with bad credit. You put all your outstanding loans, mortgages etc., into one lower monthly payment paid over a longer time. If you need a loan for debt consolidation, give us a call for short term options.
Home improvement companies such as double glazing and conservatories should come with a public health warning. Their products may be good, but the finances packages they offer are extremely expensive over the long term. there home improvement loans work on a reducing balance, so if you stick to the minimum monthly repayment, you pay it off for a whole ten years. The Halifax system is simply a personal loan paid off over 3 to 5 years. However if you are looking for a shorter term option, we have bridging loans available with no early repayment penalty from 1 month to 12 months to clear the whole amount. Call us.
Can you get a Halifax bridging loan direct?
Due to tightening up of borrowing regulations and the fact that home owner unregulated high value loans were stopped after the credit crunch, The Halifax stopped offering bridging loans in 2013. However, you may still find broker websites offering Halifax bridging loans. They do not come from the Halifax themselves. It is merely a way some brokers can find people in need of financing that are looking in the wrong place.
We can offer you our own, independent, either regulated or unregulated bridging finance products. The main difference between regulated and unregulated is that with unregulated borrowing options, you or famiy memebers are not allowed to live in the property that is used as security. if you have tenants, then that is not problem.
Call on our local rate 0845 475 1814 from a land line or call 0203 287 7169 from your mobile or request a call back by using the quick contact form on the right hand side, or just below depending on whether you are browsing on a PC or mobile device. Alternatively, click the button for our full on enquiry form.
So, it is not possible to get Halifax bridging finance rates, only standard personal loans and mortgages. plus you need pratically perfect credit history. With us you don't.
We offer fast good and bad credit decisions and because we offer both an unregulated and regulated service, and can offer both 1st and 2nd charge, we are not bound by strict guidelines sanctioned on banks or building societies or certain funding packages, which means a quicker decision and a faster pay out on any secured advance you are offered.
Our expert team with over three decades of experience in the short term funding market can offer immediate bridging loan quotes and are on had during normal business hours to field your call and answer any questions you may have regarding short term secured bridging finance borrowing packages.
They can also accept your application on the phone too without you being obliged to accept any secured loan offered to you.
Call to on 0845 475 1814 or you can click below to apply online, or you are able to call us up from your mobile phone on the landline number 0203 287 7169 or request a call back by using the quick contact form on the right or directly below this block, still without being under any obligation to accept any offer presented to you. Alternatively, apply online by clicking the button.
Quick contact form
Business and commercial
The Halifax do offer longer term business finance packages. However, equity is needed and it tends to be set up as a mortgage or long term secured second charge bridging loan. Talk to us about commercial financing. We pride ourselves on our expertise and even offer funding secured a leasehold. However, this is only available in London but we looking at extending this option.
Your chances are practically nil of getting a short to medium term loan from the Halifax for use as property auction finance. They simply will offer larger amount over a short term period. The fastest way for them to offer funding is through one of their mortgage packages. Speak to us for shorter term secured bridging loan options or send us an email today.
Homeowner and residential
The Halifax only offer standard loans over three to five years with a maximum value of £5000.00 for home or residential borrowers. They can offer higher on a car loan, however, the interest is adjusted accordingly. If you need a short term option, we can offer both 1st and 2nd charge and sometimes 3rd charge cheap bridging finance options, based on your circumstances.