Certain Bridge a UK company that specialises in Mortgage Secured Bridging Loans to Businesses

Certain Bridge Ltd is a UK company that specialises in a niche market of rapidly providing bespoke Mortgage Secured Bridging Loans to Businesses. There is no upfront cost to a Business Bridge Borrower. The Company is one of only a very few who charge no upfront Fees whatsoever and can move so fast from initial application to pay-out, sometimes within as little as only 24 hours.

Gary Hall

 

Certain Bridge Ltd applies very strict Secured lending criteria and ratios when assessing a Secured Bridge Loan Application.  Typical Loan to Value (LTV) ratios for the overwhelming majority of loans are between 50% and 65% of the value of the property(s) used for the Security for the Bridge Loan and the final arbiter of the value is Certain Bridge’s in-house Surveyor. Business Bridge loans are normally only for six months, but can start at three months with one monthly increments up to an absolute maximum 12 months. This provides for every Bridge Borrowers borrowing requirement.

All Secure Business Bridging loans made by Certain Bridge are secured by a legal charge, and are registered and recorded with the UK Land Registry (HMLR). Application can be made to HMLR see the recordings made against a Property in the same way that legal charges made by a Bank or Building Society can be seen.

Certain Bridge sells Secured Fixed Interest Loan Notes to Loan Note purchasers and uses the money raised to securely lend out at a much higher rate to firms in need of short-term bridging loans to further enhance and expand their business. The short-term bridging loans made are all highly secured directly against the real property itself.

The risk to any single Loan Note holder in infinitesimal by the fact that all funds received from the sale of Loan Notes are pooled with funds from other Loan Note holders and spread across all Business Bridge loans made. This provides enviable risk mitigation for all individual Loan Note holders.  

Certain Bridge offers five classes of Secured Loan Notes – Bronze, Silver, Gold, Platinum, and Platinum Plus, which offer increasing rates of return the longer that a Loan Note holder chooses for the Loan Note funds to be used by Certain Bridge. That is logical and in line with good industry practice.

Furthermore, Loan Note holders benefit from receiving fixed interest payments every six months paid directly into their bank account; there is no variable element to such payments involved.

Gary Hall, and his three colleagues at the Certain Bridge Team have decades of experience between them in the UK Property and Finance Industry Sector. Gary Hall has 21 years direct Property Financing experience with 10 years specifically in Business Bridge lending. The firm may be a new name on the market, but the people behind it are certainly not.

Certain Bridge does not claim their Secured Fixed Interest Loan Notes are risk free but any possible risk is, in the opinion of the Certain Bridge Team, extremely low indeed. There is no such thing as being absolutely risk free and any firm who claims otherwise would be telling a blatant untruth. However as Certain Bridge only loans Highly Secured Mortgage backed loans which are recorded at HMLR over the borrower’s property and all the Mortgages are at a very conservative LTV then any potential risk is mitigated in the extreme.