Vitvo is a bridging finance provider which focuses on providing highly adaptable bridging loans for the light and heavy refurbishment of residential properties

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Max term

10k - 3m

Min/Max Loan



Vitvo is a highly specialised bridging lender that offers flexible refurbishment bridging loans for a variety of purposes. Clients can use Vitvo’s exceptional expertise and experience to develop a bespoke lending solution that meets their unique requirements, enabling them to maximise profits whilst keeping their projects on track.

Vitvo’s core offering consists of bridging loans for light refurbishment and heavy refurbishment, as well as standard bridging loans for purchasing residential property. This makes Vitvo an ideal lender for developers who are purchasing HMOs or Buy-to-Let property, as it can enable them to quickly and smoothly complete their purchases and begin refurbishment work.

Vitvo understands the need for developers to act quickly in a competitive market, and this lender is able to offer extremely fast finance. When opportunities can slip away in a matter of hours, it’s important to have a lender who can work fast and give you a firm answer. Vitvo is able to provide a decision in principle in just 1 hour, and the streamlined nature of this lender’s organisation means that every deal gets the approval of one of the company’s owners - this is a lender that’s not afraid to stand by what they say, and which is returning bridging finance to the slick, streamlined process it once was.

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28-32 Belgrave Road


+44 207 979 5693

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Frequently asked questions

What is a bridging loan?

A bridging loan is a short-term loan secured against property. It allows you or your business to “bridge a gap” until either longer-term finance can be arranged, or the underlying security or other assets can be sold.

What can I use a bridging loan for?

Bridging loans can be used for a wide variety of purposes. Perhaps the most common purpose is to allow you to buy a new home or business premises before you have sold your existing property. They can also be used by investors to buy property at auction, landlords to acquire buy-to-lets, developers to acquire and renovate properties and businesses to raise working capital. There are a myriad of different uses and can help to find the best loan for you.

How much can I borrow?

Loans generally range from £10,000 to £50M with smaller or larger amounts provided on an exceptional basis. The value and equity within the property or properties you are securing against will determine how much you can borrow. The maximum loan to value (LTV) currently offered by most lenders ranges between 65-80%

What rates can I expect to pay on a bridging loan?

In general most bridging loans will fall between 0.5% and 1.5% per month although occasionally they can be either slightly cheaper or slightly more expensive. Each loan is priced on risk with particular attention paid to the property, its location and the strength of your exit strategy.

How long will it take to get these funds?

Many lenders can agree terms in hours and funds can be in place in days rather than weeks. Average completion times with some lenders can be in the range of just 7-14 days. When you require speed to take advantage of a time-limited opportunity can help you to find the best lender for your unique circumstances.

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