Capital raise bridging.
Release equity from property you already own, quickly. A capital-raise bridge draws cash against the value in an asset — for a deposit on the next deal, a time-critical purchase, working capital or a tax bill — secured on the property and repaid from a defined exit.
What you can raise against
Any property with usable equity: an unencumbered asset, or one with a low enough existing loan to sit a further advance behind it. The raise is secured on the property and can fund almost any legitimate commercial purpose — the deposit or full price of the next acquisition, a business need, a time-critical opportunity, or a liability that has to be met before a longer-term solution is in place.
First or second charge
First charge means the bridge repays any existing debt and sits at the front. Second charge means it sits behind your existing mortgage, so you keep the cheaper senior debt in place and only borrow the top slice — often the smarter route where the first loan is on a good rate. A second charge needs the first lender's consent, which we handle as part of arranging it.
The exit is still everything
A capital-raise bridge is short-term money. It is repaid by refinancing onto a term facility, by a sale, or by funds you know are coming. As with any bridge, no credible exit means it should not be done — the point is a bridge to a defined endpoint, not open-ended borrowing against your equity.
Capital Raise FAQs
Can I raise capital against property I already own?
Yes — a capital-raise bridge draws cash against the equity in a property you own, whether it is unencumbered or has a low existing loan. It is secured on the property and repaid from a defined exit such as a refinance or a sale. Arranged whole of market, typically from 0.69% pm.
Can I get a second charge bridging loan?
Yes, where there is enough equity behind the existing first-charge loan and the first lender consents. A second charge lets you keep cheaper senior debt in place and borrow only the top slice, which is often more efficient than refinancing the whole thing.
What can I use the money for?
Most legitimate commercial purposes — a deposit or the full price of the next deal, working capital, a time-critical purchase, or a liability that must be met before longer-term finance is arranged. The lender cares most about the security and the exit.
How fast can it complete?
A well-packaged capital raise can complete in around three weeks, faster where the title and valuation are straightforward. Instructing solicitors on day one is the single biggest accelerator.
How much you can release is a valuation question
Capital raising against an asset you already own is arithmetic on a single number: the value the lender is prepared to use. Where the existing debt is fixed, every pound of difference in that valuation is a pound of difference in what you release, magnified by the leverage.
So the question to settle first is not the rate but the basis. A lender applying 70% to a market value of £1m releases £700,000 gross; a lender applying 70% to an £850,000 restricted marketing period figure releases £595,000. Same asset, same day, same headline percentage. 90 and 180 day valuations explained →
Where speed matters as well, the valuation type is the other lever — a desktop route can take a week out of the timeline on standard residential security. Desktop and AVM valuations →
How long a capital raise takes
Around three weeks on a well packaged case, and faster where the property is owned outright, the title is clean and registered, and an automated or desktop valuation is accepted. Raising against an asset you already own avoids purchase legals entirely, which removes the single largest block of legal work from the timetable.
On a second charge, add time for the first lender's consent. That is a third party you do not control, and it is worth starting on day one. Check whether your deadline is realistic →