Resources
Guides, templates and reference material
Practical downloads for brokers, investors and developers. All published figures are indicative only and subject to full assessment.
Checklists
Bridging Application Checklist
Everything to prepare a business-purpose bridging enquiry — borrower, facility, security, exit and disclosures.
Download PDFDevelopment Finance Document Checklist
The documents typically required to assess a ground-up or heavy refurbishment development facility.
Download PDFGuides
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Quick glossary
- LTV (Loan-to-Value)
- The loan as a percentage of the property's value.
- LTGDV
- Loan as a percentage of the scheme's completed gross development value.
- LTC (Loan-to-Cost)
- Loan as a percentage of total project cost.
- Day-one advance
- Funds released at completion, before any staged works drawdowns.
- Retained interest
- Interest set aside from the facility at outset rather than paid monthly.
- Rolled-up interest
- Interest added to the loan and repaid at the end of the term.
- Exit strategy
- How the facility will be repaid — sale, refinance or a related transaction.
- Monitoring surveyor
- An independent surveyor who signs off development drawdowns.
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.