Complex bridging loans are loans designed for borrowers with more complex financial needs. These loans are typically used for more significant or unusual transactions requiring more customised loan solutions than standard bridging loans.

Examples of situations that may require a complex bridging loan include the following:

1. Non-standard property types: If the property being used as security for the loan is a non-standard property type, such as a derelict property, a property with planning permission, or a unique property that is difficult to value, a complex bridging loan may be required.
2. Complex ownership structures: If the borrower has complex ownership structures, such as a limited company or trust, or if multiple borrowers are involved in the transaction, a complex bridging loan may be necessary.
3. Adverse credit history: A complex bridging loan may be required to secure financing if the borrower has a poor credit history.
4. Unusual transaction types: A complex bridging loan may be necessary if the transaction involves an unusual situation, such as a probate sale or a divorce settlement.

Complex bridging loans can provide borrowers flexible financing solutions tailored to their needs. These loans can be secured against various assets, including property, land, and other high-value assets. Interest rates and fees for complex bridging loans can vary depending on the borrower’s financial situation, the value of the assets being used as security, and the complexity of the transaction.

Borrowers need to work with a reputable lender or broker with experience with complex bridging loans and can provide clear and transparent information about the loan terms and conditions. Borrowers should also consider the costs and risks associated with complex bridging loans before applying for financing.