A step on the buy-to-let ladder

Buy-to-let properties have become a hugely popular way for people to achieve a steady rental income, make profit, diversify their portfolios, and enjoy a range of tax benefits.
But getting started isn’t easy. Lenders often won’t grant mortgages for the run-down properties that can make for the most lucrative investments – meaning you need another source of funding to get on the buy-to-let ladder.

This is where KD Bridging comes in. We offer bridging finance ranging from £100,000 to £5m, with the possibility of considering larger amounts on referral.
Our competitive interest rates start at 1%, and our terms can be tailored to meet your specific needs, ranging from one month to two years for added flexibility.

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1

Get in touch

You contact us with your enquiry, and we will assess your application on an individual basis. We look for reasons to lend, and if your case is suitable, we quickly proceed to the next steps.

2

We arrange everything

We arrange a site visit, instruct any necessary valuations and solicitors documentation, process an offer letter and move the case forward to completion. We do all the admin work for you.

3

Receive your funds

The funds are deposited into your bank account ready to drive your business or project forward. A personal manager will look after the loan with you at every step through to the end of the repayment term.

Colourful houses overlooking Bristol harbour

Swift action

Need to act fast? KD Bridging can help

Whether you’re just starting out on your buy-to-let journey or are a seasoned investor, there are a whole range of scenarios where bridging loans could help you get where you want to be.

They’re not just for dilapidated dwellings that need extensive refurbishment – it could be that you have to act quickly to take advantage of a distressed sale, or a golden opportunity that suddenly becomes available at auction.

We can tailor the perfect bridging loan to your requirements in as little as seven days.

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Flexibility to act

Bridging the broken chain

When you’re buying and selling properties, timings matter. But it’s very hard to have them line up perfectly every time. Sometimes, you’re faced with a situation where you’re ready to buy, but are still waiting for the funds from the sale of another property.

KD Bridging can quickly provide you with a simple bridging loan to fund the purchase.

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No Up-Front Fees

Borrowers won't be charged any upfront costs such as administration or arrangement costs, making KD Bridging's services more accessible to clients.

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Swift Turnaround

With a speedy process, borrowers can often receive the funds they need in as little as seven days - sometimes even less - giving them more flexibility and agility in their property deals.

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Personal Service

Borrowers benefit from a one-to-one service from founder Karen Phillips throughout the lending process, ensuring individual attention to each loan application.

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Privately Funded

KD Bridging has the freedom to make decisions quickly without restrictions from third parties, giving borrowers greater flexibility and enabling them to take advantage of opportunities as they arise.

Karen gave me a lot of help at a time when I was definitely down on my luck. She believed in my business plan and was a great help in getting refinancing for my farming business. She sticks to her word and I would definitely go to her again for help with other financing requirements.

Borrower, Somerset

factory buildings

Having been involved in property investment, development and many construction projects internationally for around 40 years an important part of the business is ensuring property projects are correctly funded.

Therefore, I want to say a big thank you to you Karen and the KD Group for their assistance in facilitating the necessary funding for our West Country projects. Your professional approach and speed of response and an acute understanding of the vagaries of the property business, has greatly assisted us in achieving a smooth acquisition and look forward to progressing the current projects with your continued support.

Borrower, Devon

factory buildings

I couldn’t recommend Karen & the team at KD Group Ltd strongly enough. They stepped in and handled my re-financing for my project & didn’t bat an eyelid at the complexities linked to my project, that other lenders were put off by. Karen went above & beyond to ensure my re-financing was done in time, & she was exceptionally friendly and professional at all times. I hope this is my first project of many. Thank you.

Borrower, Devon

factory buildings

We have found KD Group Limited to be extremely prompt when my company required funds urgently. Following an initial enquiry, they visited me on a bank holiday and within a few days had arranged for the loan to be available. The whole process from enquiry to draw down was completed within 10 days.

Since then, we have dealt with them on a number of occasions. I would not hesitate to recommend KD Group if you need swift professional service and funding without all the fuss. When they say ‘yes’ to you they mean it!

Borrower, Wales

factory buildings

KD Group provided funds to enable me to purchase a property being sold at auction. They agreed the loan before the auction which then gave me the ability to bid and agree the purchase on the night!

Borrower, Bristol

factory buildings

Thank you for your redemption statement, please find cheque enclosed. It has been a pleasure doing business with you. If needed, hopefully we will do business again.

Letter from Borrower, Wales

factory buildings

Case Studies

See how our bridging loans have helped similar businesses and property developments across England and Wales thrive.

Building Plot in London

1st Legal Charge Interest retained Builders Security: Building plot in London. Funds used to build a 3 storey house.

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St Georges Road in London with black taxi

Planning for 6 Houses in Wales

1st Legal Charge Interest retained Property Developer Security: Land with planning for 6 houses. Funds used to build 6 detached properties.

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aerial view of Newport

Property Purchase in Wales

1st Legal Charge Interest retained Property Developer Security: Smallholding. Funds used to purchase a property while existing property was sold.

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track in Snowdonia National park

Barn Conversion in Derbyshire

1st Legal Charge Farming Contractor Interest retained Farming Contractor Security: Barn and 3 acres. Funds used to purchase a barn conversion at Auction.

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The salt cellar on Derwent Edge

Building Plot in Devon

1st Legal Charge Interest retained Security: Building plot in Devon. Funds used to build a 4 bed detached house.

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Salcombe town in Devon

Agricultural land in Devon

1st Legal Charge Interest retained Property Developer Security: Agricultural land in Devon. Funds used to Purchase property at Auction in Somerset

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Pony at Wimbleball Lake Exmoor

Property Refurbishment in Plymouth

Loan Amount: £90,000 Term: 12 months LTV: 55% Borrower: Individual

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Boats at sea with seafront in the background

Property Conversion in North Somerset

Loan Amount: £250,000 Term: 6 months LTV: 45% Borrower: Limited Company

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Weston's Grand Pier from the beach

Buy to Let Properties in London

Loan Amount: £470,000 Term: 12 months LTV: 51%

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St Paul's Cathedral with red double decker bus driving by

Land Purchase in Gloucester

Loan Amount: £473,100 Term: 12 months LTV: 63% Borrower: Indvidual

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View of fields on a sunny evening

Bristol Development Site

Loan Amount: £900,000 (drawn down in stages) Term: 12 months LTV: 65% Borrower: Individual

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Bridge at nights with lights on

Common sense lending solutions with a personal touch, providing transparent and flexible bridging finance options to suit individual circumstances.

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