Oakstone Capital

Tailored Finance Solutions for Every Opportunity

OAKSTONE CAPITAL

Fast and Flexible Bridging Loans to Meet Your Personal and Business Needs

At Oakstone Capital, we specialize in delivering bespoke bridging loans, designed to provide quick, short-term finance for a range of property-related and business needs. Whether you’re a homeowner looking to purchase a new property or a business seeking immediate capital, we offer tailored solutions with competitive rates and flexible terms to help you succeed.

Why Choose Oakstone Capital?

Quick Approvals: Fast-track your financing with approvals in as little as 48 hours.
Tailored Solutions: Our loans are customised to fit both individual and business needs.
Experienced Team: Backed by decades of experience in property finance and cross-border transactions.
Transparent Process: Clear terms and no hidden fees—so you know exactly what you’re getting.

Our Bridging Loan Options

At Oakstone Capital, we offer two core types of bridging loans, each with specialized options to match your specific needs.

PERSONAL BRIDGING LOANS

Residential Bridging Loans

Designed for homeowners looking to purchase a new property before selling their existing one. Suitable for both property movers and buy-to-let investors.

Loan Amount: £50,000 to £10 million
Term: 3 to 12 months (extendable)
Loan-to-Value (LTV): Up to 75%
Interest Rates: From 0.45% per month
Repayment: Interest-only or rolled-up
Exit Strategies: Sale of property or refinancing

Commercial Bridging Loans

Ideal for individuals investing in commercial property, including retail spaces, offices, or mixed-use buildings.

Loan Amount: £100,000 to £20 million
Term: 3 to 18 months
LTV: Up to 70%
Interest Rates: From 0.55% per month
Repayment: Interest-only
Exit Strategies: Sale of property, refinancing, or business revenues

Light Refurbishment Loans

Provides fast capital for property owners seeking to renovate or refurbish properties without extensive structural work.

Loan Amount: £50,000 to £5 million
Term: 6 to 12 months
LTV: Up to 70%
Interest Rates: From 0.49% per month
Repayment: Interest-only
Exit Strategies: Sale of property, refinancing, or letting out the refurbished property

BUSINESS BRIDGING LOANS

Property Acquisition Loans

Finance for acquiring commercial properties quickly, ideal for businesses expanding their real estate portfolios.

Loan Amount: £200,000 to £50 million
Term: 3 to 24 months
LTV: Up to 70%
Interest Rates: From 0.65% per month
Repayment: Interest-only or deferred
Exit Strategies: Sale, refinance, or rental income

Development Bridging Loans

Fast finance for property developers starting or completing projects. This option helps bridge the funding gap between phases or during construction delays.

Loan Amount: £500,000 to £30 million
Term: 6 to 24 months
LTV: Up to 65% of Gross Development Value (GDV)
Interest Rates: From 0.75% per month
Repayment: Rolled-up interest or interest-only
Exit Strategies: Sale of completed units or long-term financing

Auction Finance

Quick funding for businesses looking to purchase properties at auction, where transactions need to be completed within a strict timeframe.

Loan Amount: £100,000 to £5 million
Term: 1 to 6 months
LTV: Up to 70%
Interest Rates: From 0.50% per month
Repayment: Interest-only
Exit Strategies: Sale, refinancing, or leasing

Additional Services

Buildings Insurance

Comprehensive coverage during the loan term, safeguarding your property investment.

Refinancing Solutions

Seamless transition from short-term finance to long-term funding, ensuring smooth continuity.

Life Insurance Advice

Protect your family and your investments with tailored life insurance options.

Will and Estate Planning

Secure your future with expert estate planning services to ensure your assets are well managed.

How It Works

Getting a bridging loan from Oakstone is simple and fast:

Submit an Enquiry: Start by filling out a quick callback request. One of our experts will contact you within 24 hours.
Preliminary Assessment: After gathering basic information, our team will assess your loan needs and provide you with suitable options.
Lender Matching: We match your application with the most competitive lenders from our trusted network.
Loan Application & Documentation: Once you choose a lender, you complete the formal application and submit supporting documents via our secure portal.
Valuation: We arrange a property valuation with a certified valuer, as required by the lender.
Approval & Disbursement: Upon approval, the funds are transferred to your solicitor, who will complete the disbursement process.

Loan Process

Initial
Enquiry

24-hour response time.

Preliminary
Analysis

1-2 days to evaluate and match lenders.

Loan Application & Documentation

Within 3-5 days.

Property
Valuation

3-7 days (depending on the property location and complexity).

Loan
Disbursement

Within 7-14 days, depending on valuation and legal processing.

Contact Us

Call Us Today or Request a Callback to start your journey.

Oakstone Capital is here to provide fast, reliable finance for your personal and business needs. Whether you’re looking to buy property, renovate, or need short-term business capital, we’re here to help.

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FAQ

1. How quickly can I get a bridging loan?

We typically process loans within 7-14 days, provided all documentation is in order and property valuation is completed on time.

2. What interest rates can I expect?

Rates start from 0.45% per month, depending on the loan type, LTV, and borrower profile.

3. Is there a minimum loan amount?

Yes, our minimum loan amount is £50,000 for personal loans and £100,000 for business loans.

4. Can I use a bridging loan for a property auction?

Yes, our auction finance option is specifically designed for quick funding to meet auction deadlines.

5. What is the maximum loan-to-value (LTV) ratio?

LTVs vary by loan type but typically go up to 75% for residential loans and 70% for commercial or business loans.

WHY CHOOSE US

our OTHER SERVICES

Coursing through each Oakstone service is its commitment to socially impactful sustainable value creation, it is our raison d’être.

OAKSTONE ADVISORY

Oakstone Advisory specializes in Corporate Advisory and International Development, providing strategic guidance and practical solutions to help organizations succeed in complex and evolving markets. Our team combines global expertise with local insights, ensuring that clients are equipped to navigate regulatory challenges and capitalize on growth opportunities. With a focus on measurable outcomes, we deliver tailored advice that enables businesses to achieve sustainable long-term success.

OAKSTONE VENTURES

Oakstone Ventures accelerates growth for companies through Venture Building and E-Commerce Accelerator initiatives, providing the resources and expertise needed to scale effectively. We support businesses with capital, mentorship from industry experts, and access to a global network that spans multiple sectors. By working closely with entrepreneurs, we help refine strategies and streamline operations, ensuring that ventures can thrive in competitive markets and achieve their full potential.