Conversion of commercial property — offices, retail, light industrial — into residential use. Submit your enquiry and a specialist broker will call you back to discuss the right facility.
The funds you can borrow are capped at 75% of the property value (first charge). If your selection exceeds that, the form will ask you to adjust.
Three simple steps to a bridging loan enquiry.
Tell us how much you need to borrow, the value of the property or land, and your contact details. The form takes about a minute.
A specialist bridging loan broker will call you back to discuss your circumstances, exit strategy and the right product for you.
The broker will review options from a panel of specialist bridging lenders and present quotes that suit your circumstances. There is no obligation to proceed.
£25k+
Loan size from
75%
Max LTV first charge
Days
Funds released in
No
Obligation
Submit your enquiry and an authorised broker will call you back
Specialist bridging brokers can review most case types — including those that have been declined by mainstream lenders.
Typical commercial-to-residential schemes funded by bridging.
Conversion of office blocks under permitted development to residential flats. Most common in town centres where office demand has fallen and residential demand is high. Often combined with extension or rooftop development to add units.
Ground-floor or upper-floor retail conversion to residential. Recent permitted development rights have widened the routes — high-street unit conversions, mixed-use schemes with retained ground-floor commercial and new residential above.
Warehouses, light industrial units, redundant agricultural buildings and other non-residential stock converted to housing under permitted development or full planning. Often the most ambitious projects with the highest gross-to-net uplift.
Funding the journey from commercial to residential use
Commercial to residential conversion has been a major theme in UK property since permitted development rights were extended. Office buildings, redundant retail units, light industrial premises and other commercial stock can be converted to residential without full planning permission in many cases — though prior approval, building regulations and design standards still apply.
Conversion bridging funds the acquisition of the commercial property and the works to convert it. It typically completes in two phases — purchase, then drawdown of works funds in stages as the conversion progresses. The exit is the sale of the converted units or refinance onto a long-term residential investment mortgage.
Loans range from £25,000 to £25,000,000. Maximum 75% LTV on first charge, with some lenders advancing additional funds against the post-conversion gross development value. Both small single-conversion projects and larger multi-unit schemes considered.
Specialist brokers have access to lenders, products and processes that are not always available going direct.
Some lenders accept automated valuations on suitable cases, which can shorten the time from application to drawdown when speed of completion matters.
Some bridging products are only available through specialist brokers and are not offered direct to consumers — useful when a standard product does not fit the case.
A specialist broker can present a case to multiple lenders, giving access to a wider set of options than approaching one lender directly. Dual representation may be available on some cases to speed completion.
Submit an enquiry and a broker will call you back to discuss your options.
Submit Enquiry