Property finance · Unregulated only
Bridging finance and limited-company buy-to-let, arranged properly.
Avantigo Capital arranges short-term bridging loans and buy-to-let mortgages for limited companies across the UK. We work with a panel of specialist lenders, we tell you the whole cost before you commit, and we answer the phone.
We arrange unregulated finance only: loans for business and investment purposes where nobody in the borrower's family will live in the property. Residential mortgages are referred to an FCA-authorised firm. What that means.
| Bridging loans | £75,000 to £5m · 3 to 24 months · up to 75% loan to value |
|---|---|
| Buy-to-let | Limited companies and SPVs · single lets, HMOs, multi-unit, portfolios |
| Speed | Bridging terms within 24 hours; completions from 7 working days |
| Where | England, Wales, Scotland and Northern Ireland |
| Our fee | Agreed in writing before any application is made |
What we arrange
Bridging finance
Short-term secured loans, 3 to 24 months.
Auction purchases, refurbishment and conversion, buying before you sell, development exit, raising capital against property you already own, and buying property that a mortgage lender will not touch until it is fixed. Interest usually rolled up, so nothing to pay monthly.
Limited-company buy-to-let
Term mortgages for SPVs and trading companies.
Purchase and remortgage of rental property held in a limited company: standard lets, HMOs, multi-unit blocks, holiday lets and portfolios. First-time landlords buying through a new SPV, experienced landlords moving properties into a company, and capital raising for the next purchase.
What we don't do
And who we send you to instead.
Mortgages on a home you or your family will live in, buy-to-let in a personal name where the borrower is a consumer, equity release and second charges on your own home are all regulated by the FCA. We are not FCA-authorised, so we introduce those enquiries to firms that are. We do not charge for the introduction.
How we work
Whole-of-market on the deals we do, a written cost breakdown before you sign anything, and one person on your case from enquiry to completion.
Speak to a person first
You call or send the outline of the deal. We tell you the same day whether it is doable, roughly what it will cost and which lenders fit. No forms to fill in before that conversation.
Terms in writing
Indicative terms from the lender, with our fee, the arrangement fee, valuation, legal costs and exit costs listed on one page. If the total does not work for you, we say so.
We run the application
Valuation booked, solicitors instructed on both sides, lender questions answered. Bridging can complete in a week or two when the paperwork is ready; buy-to-let typically takes six to ten weeks.
An exit that exists
Every bridging loan needs a way out: a sale, a refinance or cash. We check the exit before you borrow, because a bridge with no exit is the expensive kind.
Investors and landlords
Buying at auction, refurbishing to let or sell, growing a portfolio through a company, or refinancing an expensive loan.
Business owners
Raising money against commercial or investment property for the business, or bridging the gap while longer-term finance is arranged.
Developers
Exit finance at practical completion, land with planning, and the light-refurbishment projects that fall between a mortgage and a development loan.
Our websites
We also publish a family of plain-English guides for people working out what kind of finance they need.
Each site covers one subject in depth, with calculators and free guides, and each one can introduce you to an appropriate adviser or buyer. They are run by Avantigo Capital Ltd and share the same standards: no jargon, no hidden fees, and a real person at the end of the form.
Have a deal in mind?
Outline it in two minutes. We reply within one working day, usually sooner.