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FAQ
Am I eligible for a bridging loan from Century Capital?
Eligibility for a bridging loan from Century Capital depends on several factors, however we welcome clients from a multitude of different situations and we’re here to assist you in finding an appropriate financial solution. You must be over 18, and employed, self employed or retired. Your credit history, deposit and income will be considered. Do reach out and we can discuss what could work for you.
How much can I borrow from Century Capital?
At Century Capital, we typically lend from £250k to £30 million. However, we understand how costly property can be and that there will be situations where less or more funding is required. We consider all cases, so get in touch today and let’s discuss.
How long will it take to receive the loan?
Providing that Century Capital is happy with the borrower and the legal title to the property, funds can be issued in as little as two days.
What are Century Capital’s fees?
Century Capital’s fees do vary depending on first and second charges, however it is typically 2 to 3% of the gross loan amount.
What happens if I can't afford the repayments?
We encourage open communication; please let us know if you find yourself unable to afford the repayments or if your financial situations change.
What types of loans does Century Capital offer?
At Century Capital we offer a number of short-term financial solutions including Residential Bridging Loans, Commercial Bridging Loans, Refurbishment Finance, Second Charges and Land With Planning finance. Give us a call or drop us an email and let’s discuss what works for you.
What is Century Capital's lending criteria?
We take into account all cases and thanks to our market-leading rates and LTV, we offer flexibility to our borrowers. Contact us and we can discuss your situation.
How can brokers apply for a loan with Century Capital for their client?
Click Here where you’ll find our online application form. It really couldn’t be simpler; once you’ve filled in the form, save it and send it over to us via email.
What is the loan term for Century Capital's loans?
At Century Capital, we offer short to medium term loans. Specific loan terms are negotiable however and we offer flexibility on a case-by-case basis.
What types of properties does Century Capital lend against?
We can lend against residential and commercial properties including land with planning consent.
What is the loan-to-value (LTV) ratio for Century Capital's loans?
We offer up to 70% LTV on a residential first charge (75% by exception); up to 65% LTV on a residential second charge (70% by exception); and up to 65% LTV on a commercial first charge (70% by exception).
What is Century Capital's track record for delivering loans?
Our track record is second to none with an unrivalled 99% customer satisfaction rate. However, if by chance we can’t deliver the funds you require, we’ll quickly let you know.
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