Secured Property Loan
The best private finance for homeowners secured against property starting from £10,000.
Experts in Bridging Finance
Goldhill Finance act fast, delivering flexible personal second charge bridging loans so you can act decisively when buying or refinancing. As a direct lender, we evade the middlemen and keep things moving quickly. Get your hands on a loan of £10,000 to £500,000, secured against houses or flats (freehold or long-term leasehold), with most transactions approved within a 4 hour window. Faster decisions, faster funding.
What we offer
- Short-term residential financing on purchases and refurbishment
- Loan amounts of £10,000 to £500,000, secured by property
- Immediate decisions (Often within 24 hours) and funds available within 48 hours
- Simple application process with no proof of income required
- Flexible terms that align to your exit route
Why choose Goldhill Finance?
- Dealing with the lender, not another broker
- Property-secured lending with common sense thinking
- Self-employed and complex credit welcome
- Payable on interest roll up or monthly schedule
- Transparent, quick and no avoidable delays
Most common questions on loans against residential property
Homeowner case studies
Not falling short on a downsize
Loan: £120,000 | Monthly rate: 1.40% | 6 months
What it was for: The client was downsizing and had their hearts set on their perfect new place, but the old property was still on the market. This bridge gave them the cash to complete the purchase of the new home without missing out.
How we made it easy: We turned it around in fast time with the agreement ready and signed in under 48 hours and completed in less than a week. We streamlined and navigated everything (agents, solicitors, surveyors) so the client barely had to lift a finger.
Easing renovation headaches
Loan: £260,000 | Monthly rate: 1.30% | 12 months
What it was for: The property needed some serious renovation efforts before a high-street lender would touch it, so they needed cash immediately to get work done and refinance later.
How we made it easy: We lent against what the house would be potentially worth once fixed up and kept in close touch throughout the process of the works being carried out. Work promptly started the week we funded meaning they could get underway without hesitation.