Solutions

You choose - Inside or Outside the box?

Our entrepreneurial and personal approach to short-term lending embraces both the conventional and unconventional. We know that not every customer fits ‘the norm’. That’s why Tuscan Capital’s risk guidelines are just that... Guidelines.

Exemplifying our considered approach to lending, our bespoke product palette has been crafted to accommodate a diverse range of borrower needs - from the standard to super-sized loans and urgent refinances.

Whether your client is looking for a vanilla bridging solution, or their personal circumstances are a little more complex than usual, we’ll work with you to understand the full story. Where we can’t help, we’ll let you know quickly and without delay.

We offer a full spectrum of competitive short-term real estate lending solutions. Click on the relevant quarter in our product matrix below to find out more.

With direct access to fully-mandated senior decision makers - and secure in the knowledge that we’re a fully-funded lender - we think you’ll find Tuscan Capital a breath of fresh air to do business with.

Please note: all Tuscan Capital products are non-regulated and so unavailable to owner-occupiers.

Bridge Solutions

Nationwide coverage with flexible packages starting at just £150,000 and up to 75% LTV. Loan terms from 3-18 months and from 0.75% per month.

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Bridge Solutions

Redefining the conventional... our ‘Inside the Box’ bridge solutions.

At Tuscan Capital, our premium bridging finance offerings are designed for ‘conforming’ customers whose needs can be accommodated quickly and with a minimum of paperwork.

Key features include:

  • Nationwide coverage (England & Wales).
  • Rates from 0.75% per month to 1.25% per month.
  • Terms from 3 months to 18 months.
  • Max LTV - 75% Open Market Value.
  • First charge and second charge loans (subject to consent being granted by the first mortgagee).
  • Loan facilities from £150,000 to £3,000,000
  • All types of residential property considered including new-builds, HMOs, semi-commercial and small blocks of flats.
  • Foreign nationals and ex-pats considered with appropriate Know Your Customer (KYC) documentation and proof of residency supplied.
  • Available to private individuals, corporate entities, Special Purpose Vehicles (SPVs) and off-shore limited companies.
  • Credit-approved term sheets typically issued inside 24 hours.

Please note: this is not an exhaustive list of requirements.

Possibilities rediscovered... our ‘Outside the Box’ bridge solutions.

Shading into conventional lending but with a tone and focus of its own, our ‘Outside the Box’ lending palette offers elastic solutions for more complex bridge scenarios. These might include, but are not necessarily limited to, the following:

  • Where the loan size is greater than £3,000,000.
  • Where the property type or tenure is not conventional, e.g. short leases etc.
  • Where the borrower has a need to refinance an existing overdue facility, e.g. to re-bridge a bridge.
  • Where a mezzanine loan is required.
  • Where multiple properties and/or land is offered as additional security.
  • Where the property is being acquired from an LPA receiver or is a distressed sale at an under-value price.

Unconventional doesn’t mean impossible. That’s why we prefer to take an ‘Outside the Box’ approach to cases that merit it.

We don’t pre-judge. We prefer to listen. So call us if you have a client whose circumstances don’t quite fit the more rigid requirements of some other bridging lenders. You’ll get a sympathetic hearing and a rapid decision from our experienced team.

For more information, call the team on: +44 (0)20 7846 9030

Refurbishment

For experienced developers in need of competitive and flexible funding support to see their project through to practical completion.

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Refurbishment

Competitive funding support for experienced developers

Lending criteria:

  • Experienced developers only.
  • First charge only.
  • England and Wales.
  • Maximum property value - £3,000,000 (at time of lending).
  • Max LTV - 70% (at time of lending).
  • Total refurbishment budget must be less than 100% of the current value of the property or £250,000, whichever is the lower.
  • No ground-up development.
  • Project must not increase the total square footage by more than 20%.
  • Tuscan Capital will engage a project monitor to approve drawdowns.
  • Borrower to cover any cost overruns from their own resources.

Designed especially for experienced real estate developers seeking to maximise property valuations, our competitive refurbishment funding packages can help close your projects in timely and cost-efficient fashion.

Contact Client Services on 0203 205 7300 for more information or to arrange a meeting.

For more information, call the team on: +44 (0)20 7846 9030

Auction Funding by Tuscan Capital

Auction Funding by Tuscan Capital is a ready-approved ‘hunting fund’ designed to provide credibility and proof of funds when bidding for property at auction.

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Auction Funding

A ready-approved hunting fund

Key features include:

  • Funding available up to 85% of the purchase price or up to 75% of the valuation, whichever is the lower.
  • A certified Offer of Finance subject only to final valuation and title clearance.
  • Access to a dedicated legal team experienced in managing urgent property purchase matters.
  • Title insurance specially negotiated to expedite the legal process and help overcome red tape and bureaucratic hurdles.
  • The services of a carefully-selected Valuation Panel to provide prompt turnaround times (within 48 hours) and a copy of the final report immediately upon issue.
  • Lending against bricks and mortar in England & Wales from £150,000 to £3,000,000

Designed with speed and confidence in mind, Auction Funding by Tuscan Capital provides the perfect solution for property bidders looking to close purchases quickly and with certainty.

Contact Client Services on 0203 205 7300 for more information or to arrange a meeting.

For more information, call the team on: +44 (0)20 7846 9030

Mixed-Use / Semi-Commercial

Flexible borrowing options for B2L portfolios, HMOs, Permitted Development and other non-purely residential scenarios.

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Mixed-Use / Semi-Commercial

Flexible funding options for non-purely residential projects

Acceptable security types:

  • Shop with accommodation (must be minimum 40% for residential use).
  • Student accommodation.
  • Licensed HMOs.
  • Buy-to-Let portfolios.
  • Restaurant with accommodation (must be minimum 40% for residential use).
  • Permitted Development (office with planning to convert into residential accommodation).

Lending criteria:

  • Minimum Loan - £150,000.
  • Maximum Loan - £3,000,000.
  • First Charge only.
  • Maximum LTV - 70%.
  • Freehold or Leasehold with a minimum term of 35 years remaining.

Tailored to fit growing demand for non-residential borrowing options, our flexible packages offer contemporary funding solutions for a wide range of scenarios.

Contact Client Services on 0203 205 7300 for more information or to arrange a meeting.

For more information, call the team on: +44 (0)20 7846 9030

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