Bridging Finance
- From £50,000 to £10 million
- Interest from 7.25% per annum plus Bank of England Base Rate*
- No arrangement or exit fee
- Up to 70% of the 180-day Market Value
- We specialise in Auction Finance
- 6-12 months
Longer-term Finance
- From £50,000 to £10 million
- Interest from 5.5% per annum plus Bank of England Base Rate**
- Commitment fee from 1% of the loan amount
- Exit fee from 1% of the loan amount
- Up to 70% of the 180-day Market Value
- 12-18 months
Development – refurbishment, conversion and new build
- From £50,000 to £10 million
- Interest from 5.5% per annum plus Bank of England Base Rate**
- Commitment fee from 1% of the loan amount
- Exit fee from 1% of loan amount or GDV dependent on term, size and complexity of the development
- Up to 60% loan to GDV
- Loans to experienced developers
Heavy Refurbishment –refurbishment and conversion
- Up to 65% loan to GDV
- Maximum cost of works £500,000 (no new build)
- Interest from 5.5% per annum plus Bank of England Base Rate**
- Commitment fee from 1% of the loan amount
- Exit fee from 1% of loan amount or GDV
3-5 Year Medium Term Investment loan
- From £50,000 to £5 million
- Interest from 3.25% per annum plus Bank of England Base Rate**
- Commitment fee from 1% of the loan amount
- Exit fee from 1% of loan amount
- Up to 70% of the 180-day Market Value
- 36 – 60 months
- ERC’s will apply
Bridge-to-let
- From £50,000 to £5 million
- Bridging loan followed by conversion to 3-5 year Investment Term Loan (ITL) once the property is generating sufficient income and any other qualifying criteria have been met
- Prior to conversion, interest from 7.25% per annum plus Bank of England Base Rate**
- Once converted, interest from 3.25% per annum plus Bank of England Base Rate*
- 6-12 month bridge
- Maximum 60 months
- ERC’s will apply
Commercial Acceptances does not provide regulated mortgage contracts, where it is either your or an immediate family member’s intention to occupy the property, either now or at any time in the future.
*Calculated daily and chargeable on the amount borrowed every calendar month or part thereof. Rates are subject to change and will increase or decrease in line with movements in the Bank of England Base Rate. Rates will be adjusted on each calendar month anniversary of the facility.
**Calculated daily and chargeable after close of business on the last calendar day each month. Rates are subject to change and will increase or decrease in line with movements in the Bank of England Base Rate. Rates will be adjusted on the first business day of each month.

Tariff of charges
The fees you are likely to encounter are detailed below. Where the services are subject to VAT this is included as noted. These charges do not include the interest rates or fees we apply. Should you require any additional information, please do not hesitate to contact us.
Mortgage valuations
In order to lend on a property, we require a valuation to be carried out. We use a panel of valuers.
Residential, Commercial and development lending valuations are charged at local rates. Quotes will be obtained on request. Project Monitoring Surveyor fees will be applicable for refurbishments and developments and are quoted on a project by project basis.
Fee
Quotes obtained on request
Paid to
Commercial Acceptances
Legal fees
You will be responsible for our legal costs which will be charged at 0.35% of the loan amount plus VAT and disbursements. This is subject to a minimum of £850 plus VAT per property for loans to individuals, and £950 plus VAT for loans to companies.
Fee
£850 + VAT
Paid to
Our solicitor
Finance set up fee
This is the administration charge we apply for setting up your CA Trade lending facility and is £250. This is debited to your loan facility and only becomes payable on completion. This fee does not apply to CA bridging facilities.
Fee
£250
Paid to
Commercial Acceptances
Release of deeds
On repayment of your loan, our solicitor will charge an administration fee for the release of the deeds per property.
Fee
£200 + VAT
Paid to
Our Solicitor
Information and statement fees
You will be provided with monthly statements free of charge. Thereafter you will be charged £20 for a statement of account when you request it.
Fee
£20
Paid to
Commercial Acceptances
Insurance
It is a condition of our lending that you have satisfactory buildings insurance in place. In the event that we are not satisfied that the property is not satisfactorily covered we will insure the property under our block policy for fire damage only. A monthly premium will be debited to your account. The exact amount of this premium will be confirmed at the time and will be calculated as a percentage of the re-instatement value of the property.
Fee
Monthly premium
Paid to
Commercial Acceptances
Arrears fees
Please note: If your mortgage falls into arrears and we commence litigation action, you will be charged a fee of £250. This will be debited to your account on redemption. A detailed Arrears and Litigation Tariff of Charges will be sent to you by our solicitors before litigation commences.
This fee will not attract interest or charges.
Fee
£250
Paid to
Commercial Acceptances
Bank charges & Returned cheque/Direct Debit fees
Returned cheque or Direct Debit fee: we will charge £25 on each occasion an interest payment, when correctly presented, is not met or is returned unpaid.
Bank charges: we will charge £5 for every payment or further advance up to the amount of £250,000 out of the account. For any amount over £250,000 a charge of £25 will be debited.
Fee
£5
Paid to
Commercial Acceptances