Blue Square Capital
Specialist LenderBlue Square Capital is a specialist bridging lender based in London, providing short-term property finance for experienced investors and landlords. The lender is known for a relationship-driven approach and the ability to structure bespoke solutions for complex bridging requirements.
About Blue Square Capital
Blue Square Capital was established to serve property professionals who need more than a one-size-fits-all bridging product. The lender takes a relationship-driven approach, working closely with borrowers and brokers to structure deals that reflect the specific requirements of each transaction.
The firm provides first-charge bridging loans secured against residential and commercial property across England and Wales. Blue Square Capital is particularly experienced in handling multi-asset portfolios, below-market-value acquisitions, and bridging-to-term refinance strategies where the exit route involves transitioning to long-term finance.
Blue Square Capital operates exclusively through intermediaries and has built a strong reputation for reliability among specialist brokers. The lender's underwriting team has extensive experience in the property sector, enabling it to take a practical, commercially informed view on every application.
Lending Focus
Blue Square Capital offers mortgage products across 3 categories including Commercial, Bridging, Limited Company.
Key Features
- Relationship-driven bridging specialist for experienced investors
- Bespoke deal structuring for complex requirements
- Experienced with multi-asset portfolios and below-market-value acquisitions
- Strong track record with bridging-to-term refinance strategies
- Commercially informed underwriting team with deep property knowledge
Pros & Cons
Pros
- Bespoke structuring tailored to individual deal requirements
- Deep experience with portfolio and multi-property transactions
- Commercially minded underwriters who understand property investment
- Strong broker relationships built on consistency and reliability
Cons
- –Broker-only — no direct borrower access
- –No development finance available
- –England and Wales coverage only
Fees & Charges
- Arrangement Fee
- Typically 2% of the loan amount
- Valuation Fee
- Varies by property value
- Early Repayment Charge
- No ERC — can redeem at any time
- Overpayment Allowance
- No restrictions — early repayment welcome
Mortgage Rates
Rate data coming soon. View rates on Blue Square Capital
| Product | Initial Rate | Type | Initial Term | Revert Rate |
|---|---|---|---|---|
| 2 Year Fixed | TBC | Fixed | 24 months | TBC |
| 5 Year Fixed | TBC | Fixed | 60 months | TBC |
| Tracker | TBC | Variable | 24 months | TBC |
Application Process
- Processing Time
- 2–4 weeks from application to completion
- Online DIP
- No — via broker or branch
- Offer Valid For
- 6 weeks
Lending Criteria
- Maximum LTV
- 75%
Frequently Asked Questions
Can Blue Square Capital structure bespoke bridging deals?
Yes, Blue Square Capital specialises in structuring tailored bridging solutions that address the specific requirements of each transaction, rather than offering a standard one-size-fits-all product.
Does Blue Square Capital lend against portfolios?
Yes, the lender has significant experience with multi-asset portfolio transactions and can structure bridging finance across multiple properties where appropriate.
What is Blue Square Capital's maximum LTV?
Blue Square Capital typically lends up to 75% LTV on bridging loans, subject to property type, condition, and location.
How quickly can Blue Square Capital complete?
Completion timelines typically range from 2 to 4 weeks depending on case complexity, with faster completions possible for straightforward transactions.
How to Apply
Broker only. Blue Square Capital products are available through mortgage brokers. Find a broker with Blue Square Capital on their panel.
Similar Lenders
View all lenders| Name | Niches | Type | Max LTV |
|---|---|---|---|
| 4SYTE | Commercial, Bridging, Limited Company | Specialist | 75% |
| Albatross Capital | Commercial, Bridging, Development+1 | Specialist | 75% |
| Alternative Bridging Corporation | Commercial, Bridging, Adverse Credit+2 | Specialist | 70% |
| Apex Bridging | Commercial, Bridging, Limited Company | Specialist | 75% |
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