Forward flow
An agreed appetite to acquire new residential bridge loans as they complete, with a right of first refusal, so lenders can quote with confidence.
Residential Bridge Finance
Funding for UK residential bridge finance
Ardfern Capital acquires senior secured residential bridge and residential development loans from established UK specialist lenders, providing the committed capital those lenders need to grow.
The market
The largest part of the UK bridging market
Residential bridge finance is short-term, first-charge lending secured on residential property. It funds property investors and developers through the period between acquiring an asset and refinancing or selling it: purchases ahead of a sale, auction acquisitions, chain breaks, refurbishment and conversion projects, and the completion of residential development schemes.
Residential property accounts for most of the £12bn to £15bn of UK bridging loans written each year. The market is served by a small number of large lenders and a long tail of capable regional and specialist originators, many of whom have more borrower demand than funding to meet it.
Ardfern Capital does not lend directly to borrowers. We invest in residential bridging loans originated, underwritten and serviced by our lender partners, and manage the resulting portfolios on behalf of institutional capital.
What we acquire
Residential loans across the United Kingdom
We acquire loans secured on residential property in England, Wales, Scotland and Northern Ireland.
- Residential bridgingPurchase, refinance, auction and chain-break loans secured on houses, flats and residential portfolios.
- RefurbishmentLight and heavy refurbishment, conversion and permitted development loans with a defined exit.
- Residential developmentDevelopment and development exit loans on residential schemes, including staged drawdowns.
- Investor and landlord loansBusiness-purpose bridging for professional landlords and property companies, including portfolio refinancing.
- Security and termFirst-charge security, typically 12 to 24 months, with credible exits by sale or refinance.
- ScopeBusiness-purpose loans to companies and professional investors. No regulated mortgages or consumer lending.
For residential lenders
Committed capital for residential bridging lenders
Many residential bridging lenders depend on a single warehouse line, which limits their growth and concentrates their risk. Ardfern provides an additional, dependable source of capital on transparent terms.
Portfolio purchases
The acquisition of seasoned, performing residential loan books, releasing capital for new lending.
Aggregation
Loans from a panel of residential lenders combined into diversified portfolios built to warehouse and securitisation standards.
Borrowers and brokers
Looking for a residential bridging loan?
Ardfern Capital does not lend directly to borrowers or accept loan applications. Residential bridge finance is provided by our lender partners. If you are a lender seeking a funding partner, or an institution seeking exposure to UK residential real estate credit, please get in touch.
Related
Other areas of focus
Commercial bridge finance
Short-term loans secured on UK commercial and mixed-use property.
Read moreLoan acquisition and aggregation
Forward flow, portfolio purchases and the aggregation of UK property loans.
Read moreOur approach
How Ardfern connects institutional capital with UK specialist lenders.
Read moreContact
Start a conversation
We welcome enquiries from UK residential lenders and from institutional investors.