Specialist Lending

Bridging Finance

Need short-term funding to bridge the gap between property transactions or to fund a fast-moving opportunity? Mortgo offers bridging finance solutions tailored to your needs. Whether you’re buying a new home before selling your current one, renovating a property, or accessing urgent capital, we work with specialist lenders to find flexible, fast, and reliable bridging options.

Regulated

Usually for residential property and domestic homeowners, in need of money quickly.

Non-regulated

Usually applies for business or commercial use to assist a payment gap, or to assist with a complex
transaction.

Why use Mortgo for a Bridging Loan?

LTV up to 85% / LTP up to 100%
Deferred interest payments available
No maximum loan amount
Residential or commercial properties
Fixed rate payments available
Terms range from 1-36 months

Second Charge Loans

A second charge loan allows you to borrow against the equity in a property while keeping your existing mortgage in place. These loans are commonly used for home improvements, debt consolidation, or other large expenditures.

With rising interest rates and stricter lending criteria from traditional providers, second charge loans offer a flexible alternative for borrowers seeking secured funding.

At Mortgo, we provide second charge loans on nearly all property types — including residential, commercial, and buy-to-let properties. Our expert team specialises in complex cases, offering guidance and support to help you secure the funding you need. We like to say a Mortgo Clear Yes, when others say no.

Why Choose Mortgo for Second Charge Loans?

Fast turnaround times
LTVs up to 95%
Competitive rates starting from 6.59%
Flexible terms: 36–360 months
Loans from £25,000 upwards
All circumstances considered, including poor credit and arrears
Expert support for complex cases
In-house specialists for second charge lending
Fixed and variable rate options
Loans with no early repayment charges available
Available on residential, commercial, and buy-to-let properties

Second Charge Loans at a Glance

Rates from: 6.59%
LTVs up to: 95%
Property types: Residential, Commercial, Buy-to-Let
Purpose: From funding property purchases to repaying tax bills
Send us your second charge case today or get a quote and see how Mortgo can help you achieve your goals.

Why Choose Mortgo for Development Finance?

Loans from £25,000 upwards
Up to 100% funding available (with additional security)
In-house specialists for development finance
Funding solutions for projects from light refurbishments to multi-million-pound developments
First and second charges available
All UK postcodes considered
Direct referrals simplified — you still get paid
Strong panel relationships to secure competitive, semi-exclusive rates

Development Finance at a Glance

LTVs up to: 90%
Loan amounts: From £25,000 upwards
Property types: Residential, commercial, mixed-use
Purpose: Land acquisition, construction, refurbishment, or renovation
Contact Mortgo today to discuss your development project and discover the right financing solution for your client.

Development Finance

Development finance helps cover the costs associated with building or renovating properties. It can be used for a wide range of projects, including buying land, construction, renovations, and refurbishments, and offers ultimate flexibility for residential, commercial, or mixed-use developments.

With banks tightening lending criteria, developers increasingly turn to specialist finance solutions that go beyond traditional bank loans. There’s no “one size fits all” approach to development finance, which is why Mortgo focuses on sourcing the right solution for each project.

Leveraging our expertise and strong relationships with specialist lenders, we aim to secure the best deals with efficient turnaround times, semi-exclusive rates, and exceptional customer service.