Breeze Capital — bridging finance profile
Breeze Capital bridging loans: criteria, indicative pricing and true cost positioning, maintained for brokers by Brevio.
| Criteria | Breeze Capital indicative position |
|---|---|
| Loan range | £50,000 – £1,800,000 |
| Max LTV (headline) | 75% LTV |
| Monthly rate | 0.95% (at max LTV) |
| Max term | 24 months |
| Residential | Yes — 75% LTV |
| HMO / MUFB | Yes — 100% LTV |
| Commercial | Yes — 70% LTV |
| Semi-commercial | Yes — 70% LTV |
| Regulated bridges | No |
| Refurbishment product | Light & heavy refurb, up to 85% day-1 LTV, 100% of refurb costs funded, up to 75% loan to GDV. Ground-up development: 100% of build costs, up to 70% LTGDV, monitoring surveyor drawdowns. |
| Second charge | First legal charge only |
| BMV / below market value | Up to 95% of purchase price on BMV deals (lends against valuation not price), even on commercial. Full RICS valuation required on every BMV case. |
| AVM / desktop valuation | AVM up to £500k, desktop valuation up to £1m; BMV and portfolio cases need full RICS valuation |
| Specialisms | Ground-up development finance: 100% of build costs, up to 70% LTGDV, England & Wales, residential only. Bridging in England, Scotland & Wales; refurb and development in England & Wales only. Named underwriter per case. No proof of income/bank statements required. All borrowers must already own another UK property besides the security property. Personal guarantee required on every loan. Investment property only (non-regulated) — no owner-occupied/primary residence. |
| USPs | 0.95% pm flat pricing on bridging & refurb; can pay brokers 100% of the 2%-2.5% arrangement fee depending on case metrics; no upfront application fees; dual-rep legals |
| Eligible applicants | Individuals and companies who already own another UK property; investment purposes only |
| Exclusions | No first-time property owners; no owner-occupied/primary residence; England, Scotland & Wales for bridging only — refurb/development England & Wales only |
Run the quote tool with your actual deal to compare Breeze Capital against the whole panel ranked by true cost.
News & coverage
No indexed coverage yet — check Google News for Breeze Capital.
Broker feedback
Verified broker reviews for Breeze Capital — speed to offer, valuation fairness, fee transparency — launch with our review system. Third-party reviews: Trustpilot · Google