Allica — bridging finance profile
Allica bridging loans: criteria, indicative pricing and true cost positioning, maintained for brokers by Brevio.
| Criteria | Allica indicative position |
|---|---|
| Loan range | £150,000 – £10,000,000 |
| Max LTV (headline) | 75% LTV |
| Monthly rate | 0.69% – 0.88% (at max LTV) |
| Max term | 24 months |
| Residential | Yes — 75% LTV |
| HMO / MUFB | Yes — 0% LTV |
| Commercial | Yes — 70% LTV |
| Semi-commercial | Yes — 75% LTV |
| Refurbishment product | Light refurb: 0.93%-0.95%/mo to 75% LTV, cost plan to 50% OMV, up to 85% day-1 LTV, £150k-£2m, 3-24mo, 2% fee + 1% exit fee. Medium refurb (lender-funded): 0.97%-0.99%/mo to 75% LTV, floor area +25% max, 100% OMV cost plan cap, £150k-£2m, 3-24mo, works funded up to 100%, max LTGDV 65%, 2% fee. Medium refurb (borrower-funded): 0.93%/mo at 75% post-works LTV, 85% day-1 LTV, £150k-£2m, 2% fee |
| Second charge | First legal charge only |
| AVM / desktop valuation | AVMs and desktop valuations available up to 70% LTV; full RICS valuation required for Bridge-to-term and refurb products |
| Specialisms | Bridge-to-term Stabiliser: £250k-£5m, 70% day-1 LTV, 7yr (2yr stabilisation + 5yr term), rates from 2.80% (OO term period, commercial, unrestricted 60% LTV) up to 6.45% (stabilisation period, 70% LTV); 2% arrangement + 1% trigger fee, 3% ERC. Bridge-to-term Improver: £500k-£5m, 65% day-1 LTV, 7yr (2yr refurb + 5yr term), works to 100% of initial valuation, rates from 2.30% (term period) up to 6.69% (improver period); 2.5% arrangement + 1% trigger fee, 3% ERC. Borrowers: UK Ltd companies/LLPs (bridge-to-term); +partnerships/sole traders on standard bridging & refurb. Rolled or serviced interest, daily arrears. |
| Exclusions | Not authorised/regulated by PRA/FCA for bridging (Allica Bridging Finance Limited, unregulated bridging products) |
Run the quote tool with your actual deal to compare Allica against the whole panel ranked by true cost.
News & coverage
Recent coverage of Allica — a good signal for the deal types they are writing and the appetite they have right now.
- bridgingloandirectory.co.uk — allica bank strengthens asset finance team
- bridgingloandirectory.co.uk — allica bank secures additional 55m for future growth
- bridgingloandirectory.co.uk — allica bank slashes commercial mortgage rates
- bridgingloandirectory.co.uk — allica bank lends 1 billion to britains smes
- bridgingloandirectory.co.uk — allica bank supports smes with over 100m in asset finance funding
- Ongoing Allica news coverage (Google News)
Broker feedback
Verified broker reviews for Allica — speed to offer, valuation fairness, fee transparency — launch with our review system. Third-party reviews: Trustpilot · Google