Bridging Finance - Short-term finance

Bridging loans can provide an effective short-term source of finance. Bridging finance can be split into three categories; regulated, unregulated and second-charge bridging, all of which can be useful tools for purchasing assets.

 A second-charge bridging loan can provide a type of finance if you’re looking for additional borrowing, if you don’t want to refinance your existing loan. The loan to value rate of second-charge finance can be secured up to 70% if your property has sufficient equity.

Development Finance - With and without planning

Another short-term funding option, development finance is a  type of loan facility that borrowers use to fund the purchase of land with planning and the subsequent construction works needed to complete the work.

Depending on the deal itself it is possible to generate 100% of funding for the construction works.

 Finance is also available from certain lenders for land where planning has not yet been approved but has been or intended to be applied for.

The main criteria of a property development loan includes providing the lender with sufficient planning for the development, in addition to securing the loan against another property, and against owned valuable assets in which you hold adequate equity in. Furthermore, the lender will also take the future value of the property into consideration when negotiating a loan.

Development finance will allow developers to turn their building ideas into a commercial reality, by allowing them to raise their finance.

Commercial Finance

This can be categorised in two sections, a loan to assist in the purchase of a business trading premises or for purchasing a commercial property i.e. shop/warehouse, light industrial for investment purposes.

This is where we excel as our former role as ex-bankers allow us to ensure we cover the most important information needed when discussing the case with our funders. 

When funding your business premises banks will look for the type business this is, type of business experience, location of property, client contribution etc.   It is important we really understand your business when seeking finance as we will be able to ensure we find the right fit for you. 

Lending to purchase a commercial investment property is dependant on the type of tenant in situ, the agreement in place (years remaining, break clauses etc), location of property as well as experience of the client.

Portfolio Buy To Let - When lending on a portfolio
of residential properties

A Portfolio Buy to Let or sometimes called a Professional Buy to Let product can help you refinance a number of residential properties with one lender. 

 However your properties are structured, be it offshore, onshore, in individual names or being transferred to a company Hydra Capital can help you throughout the process from start to finish and remain by your side at throughout the life of the loan should you need us to assist.

 Properties within the portfolio are let to generate an income after payment of the monthly interest payment.  Buy to Let properties are a good method of diversifying a portfolio, which will reduce the exposure to risk if one or more assets drop in value.

Mixed use portfolio lending - This is when properties have a
mixture of commercial on the GF and typically flats above

It is generally accepted that many investors will have mixed use properties within their portfolio and whilst these are treated separately by most banks we can source funding for the whole portfolio with one lender.

The strong relationships we have nurtured over our time in banking and beyond can help you raise finance with as little or as much involvement as you want in the transaction.

Finance for Trading Businesses 

Trading businesses are the lifeblood of our economy and they have over recent years suffered from lack of help from their bank to see them through the difficult times. 

 Taking the time to understand your business we will ensure any funder understands the issues you are facing, your business strengths and the experience of the team to make the process easier to agree funding

 We are committed to helping all our clients at all times throughout their banking journey wherever they are within it.