About Us

Regulated and non-regulated bridging finance made simple

Fast, Professional, Bespoke

We have been providing first and second charge, short term loans secured on various property types located in England, Scotland and Wales since establishment in 2004.

Our group is actively involved in residential and commercial planning, development, investment and finance and gives us an in-depth understanding of the UK property market; our owner-managed structure enables us to make quick decisions.

Our professionally qualified team understands the needs of borrowers, recognises the problems of trying to fit with the prescriptive and rigid criteria of mainstream banks and builds bespoke solutions to borrowers’ requirements. If a proposal seems sensible we will generally find a way to make it work.

We pride ourselves on the number of repeat borrowers and introducers we have. We work with our clients and their advisors to achieve the desired solution in the required time frame. Our support continues throughout the life of the loan and we have consistently adapted to changing requirements of our clients.

Short-term loans for almost any purpose

Introducers and clients have access to the key decision makers

FCA authorised to advise on regulated mortgage contracts 

We are committed to ensuring that the principle of Treating Customers Fairly, is an integral part of our business culture and is adopted whether a loan is regulated or unregulated.

No monthly payments or exit fees

Interest and fees can be rolled up and paid on redemption. The loan can be repaid at any time, subject to the minimum of one month’s interest (which is charged daily thereafter) and the arrangement fee. There are no penalties or hidden fees.

Fast and flexible, personalized service

When funds are required quickly, completing the transaction on schedule is of paramount importance. We will only use professional and experienced valuers and lawyers and will only instruct them once a client has accepted a facility. [Each transaction is tailored to the individual needs of the client]

No upper age limit

We treat all prospective clients the same. We focus on the client, the purpose of the loan, the source of repayment and the quality of the professional introducer and advice provided.

How it works

1

Submit Enquiry

Submit enquiry (by phone, email or online application).

2

Decision

Decision in principle in two working hours and/or AIP.

3

Formal offer

This must be signed and returned within the stated time frame.

4

Completion of property valuation & legal work

A valuer will be instructed by Oakbridge as soon the borrower(s) confirm they wish to proceed with the facility. The borrower(s) should always have independent legal representation.

5

Drawdown

Reliant on the complexity of the case, the valuer providing a satisfactory report and the lawyers completing the formalities.

Contact Us

We would love to hear from you. Get in touch to see if a loan from us can be the solution for your short term funding requirements.

Oakbridge can provide an immediate “in principle” decision for a loan within two working hours. Drawdown is reliant on the complexity of the case, the valuer providing a satisfactory report and the lawyers completing the formalities.

  • Security property must be in England, Scotland and/or Wales
  • A clear and credible repayment strategy must be provided
  • No proof of income required

Oakbridge does not check a borrowers credit report at enquiry stage and so no footprint will be left on a borrowers credit file in ascertaining whether, in principle, we can lend.

If you are an introducer who might like to become part of our network please speak to a team member.