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If you’re looking to purchase a property at auction – perhaps to refurbish, or to acquire the land to build upon – then you may need finance to complete the transaction.
100% NET
01 Day
0.65%
Minutes
100%
£200k
£100M+
OMV
These loans are offered to borrowers who have a poor credit history. As they represent a higher level of risk to the lender, the interest rate offered will reflect this level of risk. Additionally, all bridging finance is a short-term loan and interest is naturally higher than that of a traditional mortgage, and usually expressed as a monthly figure. The idea is that they are paid off quickly, within 3-12 months, either by cash through sale proceeds, or by finance secured via a long-term mortgage.
With our knowledge and experience, we are able to present lending cases to our panel in a format which is most likely to increase your chances of being offered attractive mortgage finance. By following a comprehensive due diligence process with each client we make it possible to find the right non status loan in the UK, quickly and efficiently – from the right lender.
We’re also proud to work with most of our clients on a repeat business basis – by proving the value of our service at every turn and by building long-term relationships with our developer clients. Whatever your level of experience, size of project or bridging loan need, you can be guaranteed of a superb experience with the team of friendly and helpful experts at Hank Zarihs Associates.
What’s more, we are able to add value at every step of the process, with in-depth knowledge and guidance, designed to help our clients match up with the right lender, for the ideal loan. We recognise that bridging loans are usually large and complex, so our service ensures that clients are best placed for acceptance from our lending panel.
We can save you money too, as we work with property development finance lenders who offer specific deals on bridging finance for intermediaries – cutting-out the middleman and meaning that our clients can access even more attractive deals on their borrowing – with our help, expertise and support at every step of the way.
Ready to apply for UK non status loan? We work with a tried and trusted panel of bridging lenders who are actively lending. The deals that we can recommend to our clients are updated daily, so you have complete peace of mind that you are receiving details of the best possible finance products on the market in real-time.
A non status loan will be offered at a range of different interest rates, depending on the lender and the borrower’s own situation. To find out the latest / typical finance rates on your loan, we have created a handy bridging loan calculator that allows you to get an indication of what your repayments would be.
These loans can be ideal for developers who need rapid access to short-term finance, but who have adverse credit ratings. The benefits of non status bridging loans obtained via Hank Zarihs include:
Some lenders charge exit fees too – but loans arranged through Hank Zarihs have no exit fees.It’s worth knowing that the arrangement fee, valuation fee and solicitors fee all tend to be standard – whether or not they are offered to borrowers with a good or adverse credit rating. Only the interest portion is affected by credit rating, to reflect lender risk.
Hank Zarihs Associates can provide access to a range of lenders with varying interest rates, and our online calculator makes it easy to work out the cost of our bridging finance product range.
Here at Hank Zarihs Associates we can get you a minimum loan of £250,000 and we can go up to £25,000,000
We work with a handpicked amount of lenders that do not require you to verifiy your income and also they don’t do credit checks, meaning if you have adverse credit we are the brokers that can help you get a loan
Different options to repay interest portion – such as serviced, full or part rolled up.
Hank Zarihs Associates streamlines your financing journey with tailored solutions, fast approvals, and expert guidance, connecting you to trusted lenders for project success
These types of short-term credit tend to be repaid when a property is sold, let or when mainstream and longer-term property finance is organised. Borrowers will need to submit their loan repayment plans when they apply.
| Product | Max LTV | 65.01 – 70.00% LTV | 70.01 – 80.00% LTV | Term & Repayment | Arrangement Fee |
|---|---|---|---|---|---|
| Residential Including Light Refurbishment | Up to 80% Based on the OMV | 0.75% pm | 0.79% pm | Maximum term 12 months No minimum interest or ERCs Interest Fully Rolled Up, Part-Rolled Up or Serviced (subject to affordability) The net advance will be less total potential interest over the term with the gross loan calculated as interest for the entire term and the arrangement fee added. | 1-2% Full fee added to the loan. |
| Semi Commercial Including Light Refurbishment | Up to 75% Based on the OMV | 0.75% pm | 0.89% pm | ||
| Commercial Including Light Refurbishment | Up to 70% Based on the OMV | 0.75% pm | 0.89% pm | ||
| Residential Heavy Refurbishment | Up to 75% Based on the OMV | 1.00% pm | 0.89% pm | ||
| Commercial and Semi Commercial Heavy Refurbishment | Up to 70% Based on the OMV | 1.00% pm | 0.89% pm |
Hank Zarihs Associates have answered some of the most frequently asked questions about non status mortgages
Different lenders will have different criteria. All will require security which is usually in the form of property, but may also be offered in the form of another asset. Lenders don’t look at previous credit performance; instead, the loan is secured against an already-owned property or the property that the loan will be used to buy. This offers a means for borrowers to raise capital if they need to do so quickly – for example, if they need breathing space to get their financial affairs back in order and to repay any creditors which may be issuing demands. The lender may also want to see a business plan and exit strategy.
It can take as little as a week! Most products arranged via Hank Zarihs Associates take 5-7 days. If you need a bridging loan with a shorter timescale, do contact us and we’ll speak to our lenders.
Hank Zarihs Associates streamlines your financing journey with tailored solutions, fast approvals, and expert guidance, connecting you to trusted lenders for project success
A Privately Owned Independent Boutique Financier Whose Main Area of Focus is the UK Real Estate Market. Specialists in Raising Debt and Equity for Professional Sophisticated Investors and Developers.
Our core focus is offering fast solutions, financial products that deliver results, and the highest of service levels. If you would like to find out more please contact us to discuss your funding requirements.
Address: 2nd floor North Park House, The Precinct, High Road, Broxbourne, EN10 7HY, United Kingdom
Mobile: +44 (0) 20 3889 4403
Email: contact@hankzarihs.com
Copyright 2025. Hank Zarihs Associates
