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Why Choose Us

0 %
5-star reviews on Google
0
years we have been as independent mortgage and protection brokers
0 %
customer satisfaction for finding the best deals on the UK market
£ 0
total donated to various charities

Why Choose Us

0 %
5-star reviews on Google
£ 0
total donated to various charities
0
years we have been as independent mortgage and protection brokers
0 %
customer satisfaction for finding the best deals on the UK market

Navigating the property market can sometimes require swift action and immediate financial support. Here at Ascot Mortgages, we specialise in fast bridging loans that are designed to meet your urgent financial needs. Whether it’s a quick property purchase or seizing a time-sensitive investment opportunity, our fast bridging finance options are tailored to help you secure the deal.

What Our Clients Say About Us

5.0 Based on 142 reviews from review us onAreti D. ★★★★★ Absolutely thrilled with the exceptional service provided by Ascot Mortgages Ltd and especially by Natalia Barry! Even though our home purchase hasn't been completed yet, we couldn't wait to share our positive experience. From the moment we reached out, their professionalism and expertise shone through, making the daunting process of securing a mortgage a breeze.Not only did Natalia navigate the intricacies of the mortgage market with finesse, but they went above and beyond by suggesting other high-quality services, including solicitors and insurance providers. This comprehensive approach is making the entire home-buying journey seamless and stress-free.Natalia took the time to understand our unique needs and financial situation, ensuring that the options presented were tailored perfectly.Communication is prompt and clear throughout, leaving us feeling informed and confident at every stage. Natalia had our best interests at heart, going the extra mile to secure a fantastic mortgage deal.We cannot recommend Ascot Mortgages and Natalia highly enough. If you're in need of mortgage assistance, look no further. With their expertise and dedication to client satisfaction, you're in the best hands possible. A huge thank you to Natalia for making our home-buying experience a dream come true!Ashley Cox 1. ★★★★★ Would 100% recommend. Myself and my partner are currently going through the mortgage process as first time buyers. Natalia Barry has dealt with our application from day one. She has always been on hand to help, informative throughout and reliable when we have had questions. She has given us several options and broken them down into simple terms to help us. Natalia has truly been exceptional who deserves every bit of credit. We certainly got lucky having her as our first mortgage consultant.Dominik S. ★★★★★ Alison and the Ascot Team are excellent. I have used them for 5 years now and they deliver the most competitive mortgage deals fast. Just what I need. Thank you!Eric T. ★★★★★ We have dealt with Ascot Mortgages twice. Once for a mortgage about eleven years ago and recently for life insurance.In both cases we were treated with the utmost respect and professionalism.In the case of the life insurance application, we considered ourselves to be problem customers because of our age and numerous health issues.Richard Johnson, who managed this application couldn't have been more helpful.He worked in our best interest and was dedicated to providing an excellent service.We were kept up to date through all of the stages of the application and when our doctors were very slow in producing medical reports for the insurance company he persisted where others might have given up.The service we had from Richard was pleasant and professional throughout some difficult stages.My wife and I have no hesitation in recommending Ascot Mortgages.Zack R. ★★★★★ Having dealt with Ascot Mortgages and Alison for many years now I can say that you wont find a more professional, knowledgeable and efficient company to help with your mortgage. Alison is patient and makes the whole process seem easy. She has the answer to any question you have and seems to genuinely care. I can not recommend enough. I am sure I will be using Ascot Mortgages for years to come.Umair Z. ★★★★★ It has been a fantastic experience to work with both Phil and Jardelle at Ascot Mortgages to secure a mortgage product for my first home. Phil made the mortgage process smooth and easy. They are professionals and know what they are doing. Very pleased with the service and communication. would highly recommend them.Hello at NLP West M. ★★★★★ I needed a buy to let re-mortgage. Ascot were efficient from start to finish. I can recommend them completely especially because they can search the whole spectrum of mortgage lenders and meet the clients needs. never waiting for staff to get back and always kept me in the loop.Onohomen O. ★★★★★ ZHOU J. ★★★★★ It has been a brilliant experience to work with both Phil and Jardelle at Ascot Mortgages to secure a great mortgage product for our next home. Given how challenging the current market is, they have done a fantastic job to meet our needs with their expertise, professionalism and effectiveness. We would highly recommend their services to whom seeks help with their property purchase.Nicholas S. ★★★★★ Fantastic service. Ellie and Jardelle were always quick to reply to any queries and very helpful throughout the process. Highly recommend!Stacey S. ★★★★★ Jason was brilliant to work with! Always on top of the transaction! Would highly recommend 👍Scott ★★★★★ Although I've not bought anything yet, they (Jason in particular) have been super helpful in my search for the right mortgage deal, whilst also giving an honest opinion during these difficult times. Would highly recommend.Sandra I. ★★★★★ Fantastic from start to finish! Natalia and Jason found me the best rate for my remortgage and they were extremely efficient! Best service I’ve ever received from a brokerage company. Thanks so much.Virmantas N. ★★★★★ Amazing service and great communication. Ellie Morgan had quickly completed all requests and over delivered all expectations.Highly recommended for those who want to get the stuff done without any delays!David W. ★★★★★ I have used ascot for 3 renewals since they done helped me with my purchase which was complicated and will continue to use them going forward. Very fair prices and very helpful and knowledgeable even with just general information.Adam B. ★★★★★ Natalia made life very easy for us when remortgaging. Third time using ascot always a breezeTaff G. ★★★★★ Ascot Mortgages have been brilliant. Easy to work with and incredibly helpful. I am always happy to recommend them. Natalia and Jason have made the whole process much easier than I was expecting. Excellent service.Daryl L. ★★★★★ We've had a fantastic experience with Natalia Barry and Jason Jones at Ascot Mortgages for our property purchases and refinancing. Their expertise, coupled with genuine care and understanding of our needs, made the process smooth and stress-free.They were consistently communicative, keeping us informed at every step. Their assistance in consolidating our protection cover was invaluable, simplifying what could have been a complex process.What set them apart was their personal touch – always polite and ready to pick up the phone for a chat. This level of personal engagement is rare and much appreciated.In short, Natalia and Jason are not just skilled professionals but also truly dedicated to their clients. We highly recommend their services to anyone in need of mortgage advice.Sarah A. ★★★★★ I have used this firm for several years and they have always been super helpful and supportive, attentive and resolved issues in really useful ways. Shout out to Alison, Ellie and Jardelle (and the team!)Georgia W. ★★★★★ We worked with Ellie to secure our mortgage and protection, and she was a dream! Being a first time buyer, I was quite clueless about the process, and in a time where mortgage rates have been quite high, she worked right til the end to make sure we were getting our mortgage at the best possible rate and was always available to answer all questions I had. Can't recommend enough 🙂Richard D. ★★★★★ Laura S. ★★★★★ As a first time buyer, trying to navigate through potential mortgages was a very daunting thought. Ascot Mortgages were recommended to me and I've been extremely happy with the service provided. They have guided me through every step and I finally have a mortgage. Very pleased and would recommend.Lucy B. ★★★★★ Having Phil as my mortgage advisor was great from the very start! He is down to earth and speaking to him was always a pleasure. The kindness, compassion and support I have been given all the way through what can be a stressful process was immeasurable. Phil and Jardelle worked as a solid team and was able to make me feel at ease all the way through buying my first home. The team were always available and the communication between everyone was always clear and I felt safe in the hands of the company as a whole. Thank you for helping me buy my first home!Flora R. ★★★★★ I worked with Richard (Protection Adviser) for a couple of days to sort out life and critical illness insurance. Absolutely brilliant, he found me and my husband the perfect policy. Very knowledgeable and easy to get on, he definetely makes things easy to understand. Thank you for the great service provided.Matthew R. ★★★★★ I've dealt with Phil at Ascot Mortgages for a while now and Phil always comes back back to me with the right plan.Keep the good work up!js_loader

Written by:

Phil Greenwood

Ascot Bridging Expert

Last Updated:

07.02.2024

Written by:

Phil Greenwood

Ascot Bridging Expert

Last Updated:

07.02.2024

What are the advantages of a fast bridge loan?

Fast bridging loans come with a multitude of advantages, making them an ideal solution for various scenarios:

  1. Speed: One of the most significant benefits is the speed at which funds can be accessed, often within a matter of days.
  2. Flexibility: These loans offer flexible terms and conditions to accommodate different financial needs and property types.
  3. Short-Term Solution: Ideal for addressing immediate funding requirements until a more permanent financing option is secured.
  4. Opportunity Seizure: Enables borrowers to capitalise on time-sensitive investment opportunities.
  5. Property Chain Breaks: Helps in maintaining property chains by providing the necessary funds when a link in the chain is broken.

Why is a bridging loan broker useful?

A bridging loan broker, like Ascot Mortgages, plays a pivotal role in securing quick bridging loans. Here’s how:

– Expert Guidance: Brokers provide invaluable advice and guidance throughout the process, ensuring you secure the best deal.

– Market Knowledge: With comprehensive knowledge of the market, brokers can identify the most suitable lenders and negotiate favourable terms on your behalf.

– Time-saving: Brokers handle the paperwork and communication with lenders, saving you valuable time.

– Access to Exclusive Deals: Brokers often have access to exclusive loan offers not available directly to the public.

– Stress Reduction: The broker manages the complexities of the loan process, reducing stress and enhancing the overall experience.

Mortgage Repayment Calculator

Should I go to a lender directly?

While approaching a lender directly is an option, using a bridging loan broker can offer additional benefits. Direct interaction may limit your access to the broader market and potentially better fast bridging finance options. Brokers, on the other hand, can:

– Present a wider range of options and lenders.

– Leverage relationships with lenders to negotiate better rates.

– Provide personalised service and tailored solutions.

– Assist with the application process and documentation.

– Offer expert advice on loan terms, fees, and interest rates.

How much can I borrow?

The amount you can borrow through fast bridging loans largely depends on the value of the security property, the lender’s criteria, and the purpose of the loan. Typically, loan-to-value (LTV) ratios range from 50% to 75% of the property’s value, but this can vary. Ascot Mortgages offers:

– Competitive LTV ratios.

– Transparent fee structures.

– Customized loan amounts based on individual needs and property values.

It’s essential to assess your repayment strategy and financial capacity when determining the loan amount.

Alison Gibson

Ascot Mortgage Expert

Remortgage

Remortgaging is applied when you keep

living in your present property while applying for another mortgage deal with a new lender. Before finding out how to remortgage and get the best offers from experts like Ascot Mortgages, you have to check meeting what parameters of the deal that can help you succeed the most. The range of background factors varies a lot — from the recently changed loan-to-value ratio or your existing agreement coming to an end.

Whether you are trying to get a more beneficial deal or searching for funding to improve your home conditions, remortgaging is one of the most advantageous scenarios to consider.

How do I apply for an urgent bridging loan?

Applying for an urgent bridging loan with Ascot Mortgages is a straightforward process:

  1. Initial Consultation: Discuss your financial needs, property details, and loan requirements with our expert team.
  2. Loan Proposal: We will develop a tailored loan proposal, outlining the loan amount, terms, fees, and interest rates.
  3. Documentation Submission: Provide the necessary documents for verification and assessment.
  4. Approval & Disbursement: Once approved, the loan amount is quickly disbursed to meet your urgent needs.

In conclusion, fast bridging loans from Ascot Mortgages are a practical solution for those in need of quick, short-term financing. Our expert team is on hand to guide you through every step of the process, ensuring you secure the funds you need promptly.

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FAQ

Yes, there is a maximum loan amount for fast bridging loans, which can vary depending on the lender and the specifics of the loan application. At Ascot Mortgages, we assess each application individually, taking into account the value of the security, the purpose of the loan, and the borrower’s repayment ability to determine the maximum loan amount, all in line with UK lending regulations.

Absolutely, fast bridging loans can be utilised to finance commercial properties. Whether you are looking to purchase, renovate, or secure a commercial property quickly, Ascot Mortgages can provide a tailored fast bridging loan solution that aligns with your needs and complies with the relevant UK financial regulations.

If repaying the fast bridging loan within the agreed timeframe becomes challenging, it is crucial to contact Ascot Mortgages immediately. We are committed to working collaboratively with our clients to explore possible solutions, which may include restructuring the loan or identifying alternative financing options. Any modifications or arrangements will be made in accordance with UK lending standards and regulations.

Extending the loan term for a fast bridging loan may be possible, depending on the circumstances surrounding the extension request. Ascot Mortgages evaluates each extension request on its individual merits, ensuring compliance with UK lending guidelines and assessing the borrower’s ability to fulfil the revised repayment terms. Should you have any additional questions or require further assistance, our expert team at Ascot Mortgages is on hand to offer guidance and support throughout the loan process.

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