Inhale Capital
Specialist LenderInhale Capital is a London-based bridging lender focused on providing fast, simple short-term property finance for experienced investors. The lender takes a no-frills approach, concentrating on what it does best: delivering reliable bridging loans with competitive terms and minimal fuss.
About Inhale Capital
Inhale Capital was founded on a simple premise: bridging finance does not need to be complicated. The firm focuses exclusively on short-term bridging loans, maintaining a lean operation that enables fast decisions and efficient completions without the overhead and complexity of larger, multi-product lenders.
The lender provides first-charge bridging loans for property purchase, refinance, auction completion, and capital-raise purposes, secured against residential and commercial properties across England and Wales. Inhale Capital is best suited to experienced investors who have a clear exit strategy and understand the short-term lending process.
Inhale Capital works through intermediaries and has built a following among brokers who appreciate the lender's direct, uncomplicated approach. The firm avoids over-engineering its products and processes, preferring instead to focus on fast execution and clear communication.
Lending Focus
Inhale Capital offers mortgage products across 3 categories including Commercial, Bridging, Limited Company.
Key Features
- No-frills bridging specialist focused on fast, simple lending
- Lean operation enabling quick decisions and efficient completions
- First-charge bridging on residential and commercial assets
- Clear, direct communication with minimal bureaucracy
- Best suited to experienced investors with clear exit strategies
Pros & Cons
Pros
- Simple, uncomplicated approach to bridging finance
- Fast decisions enabled by lean operational structure
- Direct, clear communication with no unnecessary layers
- Focused exclusively on bridging — deep specialist knowledge
Cons
- –Broker-only — cannot apply directly
- –No development finance or other product lines
- –Less suited to first-time or less experienced borrowers
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 without penalty
- Overpayment Allowance
- No restrictions — early repayment welcome
Mortgage Rates
Rate data coming soon. View rates on Inhale 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
- 1–3 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
What is Inhale Capital's approach to bridging?
Inhale Capital takes a no-frills, focused approach to bridging finance, concentrating on fast decisions, clear communication, and efficient completions without unnecessary complexity.
What types of bridging loans does Inhale Capital offer?
Inhale Capital provides first-charge bridging loans for purchase, refinance, auction completion, and capital raise, secured against residential and commercial property in England and Wales.
Does Inhale Capital offer development finance?
No, Inhale Capital focuses exclusively on bridging loans, maintaining a specialist approach rather than diversifying across multiple product types.
How quickly can Inhale Capital complete?
Inhale Capital aims for completions within 1 to 3 weeks on straightforward cases, with its lean structure enabling faster turnarounds than many competitors.
How to Apply
Broker only. Inhale Capital products are available through mortgage brokers. Find a broker with Inhale 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% |
Related Articles
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Metro Bank’s Specialist Mortgage Lending in the Market
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Semi-Commercial Mortgage Lending Forecast to Exceed £1 Billion
The UK semi-commercial mortgage market is set to exceed £1 billion by 2026, benefiting landlords and investors seeking financing.
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