Charter HCP Bridging
Business-Purpose Property Finance, Structured Around the Transaction
Bridging, refurbishment and development funding for property professionals, investors and businesses.
Not authorised or regulated by the Financial Conduct Authority. Business-purpose and unregulated lending only. Submission of an application does not constitute an offer or guarantee of finance.
What We Fund
Finance across the transaction lifecycle
Residential & Commercial Bridging
Short-term facilities secured against residential and commercial investment property.
Acquisition & Refinance
Purchase and refinance of investment assets and existing debt for a business purpose.
Light, Medium & Heavy Refurbishment
Staged works funding for conversions and commercial-to-residential schemes.
Finish & Exit Funding
Completion funding for materially advanced, part-built schemes.
Ground-Up Development
Structured development finance for residential-led schemes.
Auction & Time-Sensitive Completions
Fast, structured funding to meet auction and completion deadlines.
Before You Apply
What we need to assess your case
Having the essentials ready helps us give you a considered, indicative view more quickly. You don't need everything to start — begin an application and we'll guide you through the rest.
Borrower / SPV details
The borrowing entity, directors and shareholders, and any guarantors.
Property address & value
The security address and current or purchase value.
Funding required
The facility amount and how the funds will be used.
Purpose
The business purpose behind the transaction.
Term
The length of facility you expect to need.
Exit strategy
How the facility will be repaid — sale, refinance or otherwise.
Relevant experience
Your track record on comparable projects.
Development documents
Where applicable — costs, appraisal, planning and programme.
A Simple Process
From initial review to completion
Initial Review
Desk-based assessment of the property, borrower and structure.
Indicative Terms
Indicative heads of terms — not a formal offer.
Due Diligence
Verification of borrower, security and exit strategy.
Valuation & Legals
Independent RICS valuation and legal work concurrently.
Credit Approval
Formal decision subject to satisfactory diligence.
Completion
Draw-down of funds and ongoing case support.
Indicative terms issued during this process are not a formal offer of finance.
After You Apply
What happens after submission
We keep the process transparent. Here's what to expect once your application or enquiry reaches us.
Acknowledge your enquiry
We confirm receipt of your application or enquiry.
Review eligibility
We assess whether the transaction sits within our typical parameters.
Identify missing information
We flag anything further we need to progress a considered view.
Provide an indicative view
Where appropriate, we share an indicative view — not an offer or approval.
We can't promise approval or guaranteed completion timescales. Every case is subject to eligibility, full assessment, independent valuation, legal due diligence and credit approval.
Why Charter
A considered finance partner for property professionals
We combine a commercial, transaction-led approach with disciplined underwriting. Cases are reviewed on their merits, and we communicate directly and honestly about what a deal needs.
Commercial Approach
We assess each transaction on its merits, not a rigid tick-box.
Experienced Team
Property finance professionals who understand development risk.
Direct Communication
Speak directly with decision-influencers, not a call centre.
Structured Case Review
A clear, transparent process from enquiry to completion.
Practical Execution
We work to agreed deadlines and keep cases moving.
Considered & Compliant
Business-purpose, unregulated lending handled responsibly.
Our Role
How we work on a transaction
Depending on the transaction, Charter may act as a provider, arranger or introducer in relation to unregulated business finance.
Finance may be supplied by Charter, an associated entity or an independent third-party funder. Where a third party provides the finance, that party undertakes its own assessment and is solely responsible for its lending decision and finance documentation. We do not represent that Charter is always the principal lender.
Charter may receive arrangement, advisory, administration, monitoring, introduction or other fees, and may receive commission from a lender or other third party. Applicable fees and commissions are disclosed in the relevant engagement letter, indicative terms or finance documentation where required.
Ready to discuss a transaction?
Start a secure application or speak with our team about your case. Every enquiry is assessed on its merits.
Charter HCP Bridging is not authorised or regulated by the Financial Conduct Authority. We only consider business-purpose and other unregulated lending. We do not offer regulated residential mortgage contracts or consumer loans. All finance is subject to status, valuation, legal due diligence, credit approval and satisfactory documentation. Submission of an application does not constitute an offer or guarantee of finance.