Our property finance solutions | Brokers | Cambridge & Counties Bank

Residential loans

Bridging loans

Key features

Ability to convert into a long term loan
Maximum 24 month term
Lending available in England, Scotland & Wales
No valuation fee payable until loan is approved
Interest roll-up options available

Lending criteria

Residential, up to 70% LTV of vacant possession
Only available to experienced property investors
Interest roll up option available within the maximum LTV criteria
Minimum loan £250k
Loans up to £2.5m
Terms up to 24 months
Personal guarantees requested from business owners/directors but are not always mandatory
Corporate borrowers must be registered in the UK or Crown dependencies
For borrowing in personal name(s), individual must be a UK resident

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Buy-to-let

Key features

No limit to the number of properties you can own
Limited company lending or individual name(s)
Funding available for large portfolios and borrowings
No valuation fee payable until loan is approved
Equity release for purchase and refinance
Gifted deposits permitted (between family members)
Interest-only options available
Lending available in England, Scotland & Wales

Lending criteria

Up to 75% LTV of open market value
Only available to experienced property investors
Minimum loan £250k
Up to £15m borrowings per customer with no restriction on property numbers
Terms from 12 months to 30 years
Personal guarantees requested from business owners/directors but are not always mandatory
Lending criteria
Corporate borrowers must be registered in the UK or Crown dependencies
For borrowing in personal name(s), individual must be a UK resident
Secured by way of a first legal charge on a property located in England, Scotland or Wales

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Expat buy-to-let

Key features

All identification and paperwork can be signed and witnessed by a legal firm on the Global 500 list so you don’t need to travel to the UK
Borrowing must be through limited company or LLP entities
No limit to the number of properties you can own
No valuation fee payable until loan is approved
Equity release for purchase and refinance
Gifted deposits permitted (between family members)
Interest-only options available
Lending available in England, Scotland & Wales
Funding available for large portfolios and borrowings

Lending criteria

Up to 70% LTV of open market value
Only available to experienced property investors
Minimum loan £250k
Up to £15m borrowings per customer with no restriction on property numbers
Terms from 12 months to 30 years
Personal guarantees requested from business owners/directors but are not always mandatory
Corporate borrowers must be registered in the UK or Crown dependencies
Secured by way of a first legal charge on a property located in England, Scotland or Wales

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Holiday lets

Key features

Equity release for purchase and refinance
No valuation fee payable until loan is approved
Interest-only options available
Available in England, Scotland & Wales

Lending criteria

Up to 70% LTV of an independent professional valuation
Only available to experienced property investors
No minimum earned income required, however, resilience to loan repayments must be demonstrated
Minimum loan £250k
Up to £15m borrowings per customer with no restriction on property numbers
Personal guarantees requested from business owners/directors but are not always mandatory
Corporate borrowers must be registered in the UK or Crown dependencies
For borrowing in personal name(s),individual must be a UK resident
Secured by way of a first legal charge on a property located in England, Scotland or Wales

Commercial (C1 planning)

Terms 12 months to 25 years dependent upon the repayment type
Available for properties such as holiday villages, holiday parks, complexes and owner occupier with C1 planning permissions

Residential (C3 planning)

Terms 12 months to 30 years dependent upon the repayment type
Available for single self-contained properties only, with no restrictive covenants regarding occupancy in place
The property must be capable of being let on an AST basis and have an acceptable level of rental demand

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House in multiple occupation

Key features

No limit on the number of investment properties per client
Equity release for purchase and refinance
Investment based valuations apply to properties with appropriate planning
No valuation fee payable until loan is approved
Limited company lending or individual name(s)
Interest only options available
HMO with single or multiple tenancy agreements
Lending available in England, Scotland & Wales

Lending criteria

Up to 70% LTV of open market value or 80% of vacant possession value
Only available to experienced HMO investors in their local area
Minimum loan £250k
Up to £15m borrowings per customer
Terms from 12 months to 25 years
Personal guarantees requested from business owners/directors but are not always mandatory
Corporate borrowers must be registered in the UK or Crown dependencies
For borrowing in personal name(s), individual must be a UK resident
Secured by way of a first legal charge on a property in England, Scotland or Wales
All properties must hold planning consent for C4 HMO or Sui Generis to qualify for an investment based valuation, otherwise a single dwelling house valuation will apply

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Refurbishment loans

Key features

Light refurbishment work only, no
structural works allowed
Interest roll-up options available
Ability to convert into a long-term loan
Available for HMOs or MUBs
No valuation fee payable until loan is approved
For smaller deals, Building Surveyor or monitoring not usually required

Lending criteria

Up to 65% initial advance of vacant possession value
Up to 65% further advance of refurbishment costs, with total borrowing not exceeding 70% of gross development value
Only available to experienced property investors
Minimum loan £250k
Loans up to £2m
Terms up to 9 months
Lending criteria
Personal guarantees requested from business owners/directors but are not always mandatory
Corporate borrowers must be registered in the UK or Crown dependencies
For borrowing in personal name(s), individual must be a UK resident
Secured by way of a first legal charge on a property located in England, Scotland or Wales

Download our product guide

Commercial loans

Bridging loans

Key features

Ability to convert into a long term loan
Maximum 24 month term
Lending available in England, Scotland & Wales
No valuation fee payable until loan is approved
Interest roll-up options available

Lending criteria

Commercial, up to 60% LTV of vacant possession
Only available to experienced property investors
Interest roll up option available within the maximum LTV criteria
Minimum loan £250k
Loans up to £2.5m
Terms up to 24 months
Personal guarantees requested from business owners/directors but are not always mandatory
Corporate borrowers must be registered in the UK or Crown dependencies
For borrowing in personal name(s), individual must be a UK resident

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Commercial investment

Key features

Short term leases or licences are acceptable
Equity release for purchase and refinance
Lending available in England, Scotland & Wales
No valuation fee payable until loan is approved
Borrowers can be registered in Crown dependencies

Lending criteria

Up to 70% LTV of open market value
Only available to experienced property investors
Minimum loan £250k
Up to £15m borrowings per customer with no restriction on property numbers
Terms from 12 months to 25 years
Personal guarantees requested from business owners/directors but are not always mandatory
Corporate borrowers must be registered in the UK or Crown dependencies
For borrowing in personal name(s), individual must be a UK resident
Secured by way of a first legal charge on a property located in England, Scotland or Wales

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VAT loans

Key features

Funding for up to 100% of the VAT bill due to HMRC
Maximum 5 month term or until the next rebate is due
Only available in conjunction with a new Cambridge & Counties Bank commercial loan*

Lending criteria

VAT loan - Funding up to 100% of the VAT bill due to HMRC
Commercial loan up to 70% LTV of the open market value, plus an additional linked VAT loan up to 20%, providing a combined maximum 90% LTV inclusive of all fees
Maximum term is 5 months from the date of draw down or until the next rebate is due
Confirmation of the amount recoverable and date due from the borrower’s accountant
Confirmation that the property purchase is VAT inclusive from the Bank’s Solicitors
Only available for VAT registered businesses taking out a new Cambridge & Counties Bank commercial loan*
The commercial property purchase is subject to our commercial loan criteria
Available in England, Scotland or Wales

*A VAT loan is not available for commercial bridging and commercial refurbishment loans.

Commercial owner occupier

Key features

Standalone transaction, no need to move the trading current account
Opco and propco structures are acceptable
Equity release for purchase and refinance
No valuation fee payable until loan is approved
Businesses with only 12 months trading considered
Interest-only options available
Lending available in England, Scotland & Wales

Lending criteria

Up to 70% LTV of vacant possession value
All borrowers must have been trading for a minimum of 12 months
Minimum loan £250k
Up to £15m borrowings per customer with no restriction on property numbers
Terms from 12 months to 25 years
Personal guarantees requested from business owners/directors but are not always mandatory
Corporate borrowers must be registered in the UK or Crown dependencies
For borrowing in personal name(s), individual must be a UK resident
Secured by way of a first legal charge on a property located in England, Scotland or Wales

Download our product guide

Mixed-use loans

Key features

Short term leases or licences are acceptable
Equity release for purchase and refinance
Lending available in England, Scotland & Wales
No valuation fee payable until loan is approved
Interest-only options available

Lending criteria

Up to 70% LTV of open market value
Only available to experienced property investors
Minimum loan £250k
Up to £15m borrowings per customer with no restrictions on property numbers
Terms from 12 months to 25 years (if the residential element of the property exceeds 60% floor coverage, the maximum term is 30 years)
Personal guarantees requested from main directors/ shareholders but are not always mandatory
Corporate borrowers must be registered in the UK or Crown dependencies
For borrowing in personal name(s), individual must be a UK resident
Secured by way of a first legal charge on a property located in England, Scotland or Wales

Download our product guide

Refurbishment loans

Key features

Light refurbishment work only, no
structural works allowed
Interest roll-up options available
Ability to convert into a long-term loan
Available for HMOs or MUBs
No valuation fee payable until loan is approved
For smaller deals, Building Surveyor or monitoring not usually required

Lending criteria

Up to 65% initial advance of vacant possession value
Up to 65% further advance of refurbishment costs, with total borrowing not exceeding 70% of gross development value
Only available to experienced property investors
Minimum loan £250k
Loans up to £2m
Terms up to 9 months
Lending criteria
Personal guarantees requested from business owners/directors but are not always mandatory
Corporate borrowers must be registered in the UK or Crown dependencies
For borrowing in personal name(s), individual must be a UK resident
Secured by way of a first legal charge on a property located in England, Scotland or Wales

Download our product guide

Secured pension lending

Key features

Purchase of trading premises for established businesses or investment properties
Equity release for purchase and refinance
No valuation fee payable until loan is approved
Interest only options available

Lending criteria

Up to 70% LTV of market value
Only available to experienced property investors or owner occupiers
Minimum loan £250k
Up to £15m borrowings per customer with no restriction on property numbers
Terms from 12 months to 25 years
Borrowers must be in an approved HMRC pension scheme (e.g. SIPP/SSAS)
The pension fund must be registered in the UK or Crown dependencies
Secured by way of a first legal charge on a property located in England, Scotland or Wales

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Get in touch with our experienced property finance teams

Unlock the best of both worlds with our mixed-use loans

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Take a look at the deals we've done across the UK

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"Many thanks to the Cambridge & Counties Bank team for bearing with me and my client through what was the most complex and challenging deal I’ve worked on in the last 4 years! I have a very relieved client that now has an excellent and highly profitable business."

Neil Davidson, Alderburn Finance Ltd

"Of all the banks I deal with, I have to say the Cambridge & Counties Bank team work tirelessly to get deals agreed and drawn. It is good dealing with a bank who always works to find solutions for clients (and brokers) rather than looking for reasons not to provide funding. It’s very refreshing in the current climate to have someone that understands funding and has the desire to get things done. Once again thanks for your help and support."

Simon Harrison, Flexible Commercial Funding Ltd

Andy Reynolds, Sterling Capital Reserve Ltd

"I certainly think that Cambridge & Counties Bank has been fantastic in the handling of this case! I very much hope that I can find new business to put your way over time. It is so refreshing to see a bank who actually spends the time to help a worthy customer in today’s climate and the goodwill that this attitude projects, speaks volumes."

Amanda De Courcy, ADC Financial Limited

"With many lenders moving towards a less relationship-based approach, we feel that the ability to talk to seasoned professionals is vital in the commercial mortgage sector. With Cambridge and Counties’ dedicated and locally based Relationship Managers, being able to talk through a deal is a major advantage. The bank has made it easy for brokers to proactively engage with them."

Rob Warlow, Business Loan Services (UK) Ltd

"From start to finish of the process, communication from was first class which ensured expectation levels for the client were maintained. This particular transaction was complicated and ever evolving however the perseverance of the team at Cambridge and Counties Bank ensured the deal completed in a timely manner. On the back of this experience, I’ll certainly be looking to progress more deals with Cambridge and Counties Bank."

Andy Lawson, Mount View

"Thank you to the entire team, with all your help we managed to get there, and, in the process, we saved the customer £4,000. Great work guys!"

Alex Churchill, Real Property Finance

We understand how busy you are and that’s why we want to make things as easy and straightforward as possible.

When you work with Cambridge & Counties Bank, you’ll benefit from:

an experienced frontline team who’ll assist in structuring the right deal for your client.
support through the application process and beyond.
our manual underwriting process combined with our wide market knowledge.
documentation prepared by us, together with commission paid at the same time as the loan is drawn down.
our outstanding customer satisfaction scores.

No portals. No complicated forms. No jargon. Just the right resources to help your clients grow.
It’s that simple.

Get in touch to find out how you can join our intermediary panel