Catalyst — bridging finance profile
Catalyst bridging loans: criteria, indicative pricing and true cost positioning, maintained for brokers by Brevio.
| Criteria | Catalyst indicative position |
|---|---|
| Loan range | £100,000 – £20,000,000 |
| Max LTV (headline) | 80% LTV |
| Monthly rate | 0.65% – 0.8% (at max LTV) |
| Term range | 3 – 24 months |
| Residential | Yes — 80% LTV |
| HMO / MUFB | Yes — 100% LTV |
| Commercial | Yes — 70% LTV |
| Semi-commercial | Yes — 75% LTV |
| Adverse credit | CCJs up to £10k in past 24mo considered; unsecured arrears rolling accepted; up to 4 missed mortgage payments in 12mo (none in last 6); bankruptcy/IVA/CVA over 3yrs old & discharged |
| Refurbishment product | Light refurb (works to 50% OMV/GDV): self-funded from 0.70%-0.85%/mo, Catalyst-funded from 0.75%-0.90%/mo (by LTV 65-80%). Moderate refurb (50-100% OMV): Catalyst-funded 0.80%-0.95%/mo. Heavy refurb (>100% OMV, up to 50% GDV): Catalyst-funded 0.85%-0.95%/mo (up to 75% LTV only). Up to 100% of refurb costs funded in arrears. Footprint expansion up to 25% allowed (excl. loft). First-time developers considered. |
| Development exit | Yes |
| Second charge | First charge only |
| BMV / below market value | Up to 90% loan to cost or 80% OMV (whichever lower) on BMV purchases |
| AVM / desktop valuation | Considered up to 65% LTV; panel valuations required above |
| Specialisms | Ground-up development finance: £250k-£5m, up to 70% LTGDV/85% LTC, up to 15 units, rolled interest, rates from 10.50% pa fixed or 6.50%+BBR tracker, 2% facility + 1% exit fee + £1,995 admin. Development exit/finish & exit and auction finance available on standard bridging terms. Offshore Ltd Cos and trusts considered. Max 4 borrowers, age 18-85. UK/EEA nationals; non-EEA/non-dom by referral, 36mo UK residency typically required. HMOs acceptable (valid licence required). Minimum 70yr lease remaining. |
| USPs | No ERCs on bridging/refurb (1 month min interest); intermediary commission up to 2%, with fee-for-rate reduction option; title insurance used where possible for faster completion |
| Eligible applicants | UK individuals, Ltd Co/LLP, offshore Ltd Co, trusts (by referral); max 4 borrowers |
| Exclusions | England & Wales only; no live/work units, mobile homes/houseboats, defective/PRC or high alumina cement construction, Mundic concrete, structural movement |
Run the quote tool with your actual deal to compare Catalyst against the whole panel ranked by true cost.
News & coverage
Recent coverage of Catalyst — a good signal for the deal types they are writing and the appetite they have right now.
- bridgingloandirectory.co.uk — catalyst creditors lose out
- bridgingloandirectory.co.uk — catalyst property finance secures significant funding line
- bridgingloandirectory.co.uk — catalyst property finance appoints new head of real estate
- bridgingloandirectory.co.uk — catalyst property finance announces three new industry hires
- bridgingloandirectory.co.uk — catalyst property finance reports 450 growth year on year
- Ongoing Catalyst news coverage (Google News)
Broker feedback
Verified broker reviews for Catalyst — speed to offer, valuation fairness, fee transparency — launch with our review system. Third-party reviews: Trustpilot · Google