Second Charge Bridging Loan - Canterbury, Kent. (0.97% pcm / 50% LTV)
Overview
Aura Capital was approached by a client who needed a second-charge facility completed within one month to support time-sensitive business commitments. Traditional lenders could not move quickly enough, so we stepped in to deliver a cost-efficient solution with no upfront valuation costs.
The facility completed in just 10 days, maintaining momentum in the borrower’s plans with minimal friction and no valuation delays.
Security & Facility Summary
Value £1,000,000 (AVM – zero valuation fees)
Product Bridging Finance (Unregulated)
Charge Second Charge
Loan Amount £116,000
LTV 50%
Rate 0.97% per month
Term 12 months
Repayment Fully retained interest
Timeline & Execution
Application submitted & AVM approved 01/10/2025
Documents signed electronically 02/10/2025
Credit & income approved 03/10/2025
EPC received 06/10/2025
Underwriting queries resolved 08/10/2025
Funds drawn 10/10/2025
Outcome
Aura Capital delivered a competitive, low-leverage facility secured against a prime asset — enabling immediate liquidity while preserving long-term financial flexibility.
If you have a deal that demands speed, clarity, and direct access to decision-makers — speak with us.
We don’t hide behind portals or layers of approvals. You get contact throughout, transparent communication, and certainty from offer to completion.
If you have an enquiry which you would like us to take a look at, send us an email at: enquiries@auracapital.co.uk or apply online to get a quote today.
