Compare TAB Bridging Loan Quotes Against The Market

TAB (Trust-Accountability-Belief) is a London-based specialist lender that has rapidly carved out a significant presence in the UK property finance market. Founded by Duncan Kreeger, a veteran with decades of experience in the bridging sector, TAB was built to combine traditional lending values with modern, tech-driven efficiency.

Whether you are a property developer needing to fund a conversion or an investor looking to break a chain, TAB offers a versatile range of short-term lending solutions designed to move at the speed of the property market.

TAB Bridging Loan Features

TAB’s bridging products are designed for flexibility, catering to a wide variety of borrower types including individuals, Limited Companies, and LLPs

• Loan Amounts: Typically ranging from £100,000 to £5M+, though larger deals are often considered on a case-by-case basis
• Loan to Value (LTV): Up to 70% LTV for commercial is standard, with potential for higher leverage depending on the strength of the security. They also offer up to 75% for residential bridging loans
• Terms: Flexible terms usually ranging from 1 to 24 months
• Security: First and second charges are available on residential and commercial properties across England, Wales, and mainland Scotland
• Asset Classes: TAB accepts a wide range of asset types (residential, HMOs, holiday lets, corporate lets, warehouses, pubs, student accommodation) with caveats on certain industrial or hospitality classifications
• Entities: Target properties already trading or let and supports a wide range of borrower entities including individuals, Ltd companies, SIPPs, and trusts
• Speed: Known for a streamlined digital application process that allows for quick credit decisions and rapid legal turnarounds

Product Range and Specialist Services

TAB differentiates itself by offering more than just a one-size-fits-all bridging loan. Their product suite is split to address specific market needs:

1. Residential & Commercial Bridging

The core offering provides quick capital for property purchases, capital raises, or chain breaking. This is ideal for investors who need to move quickly on a property before securing long-term finance or selling an existing asset. 

2. TAB Tracker

A standout feature in their lineup is the TAB Tracker product. This allows borrowers to take a loan that tracks the Bank of England base rate. This transparency is often favoured by those who want a clear understanding of how their interest is calculated relative to the wider economy.

3. Fast-Track Refurbishment

For properties that need light works, such as internal fit-outs or cosmetic refreshments that don’t require full planning permission, TAB provides refurbishment bridging. This helps investors add value to a property quickly before flipping it or remortgaging onto a term mortgage.

Pros and Cons of TAB Bridging

Before committing to a lender, it is important to weigh the advantages against the potential drawbacks.

Pros:

• Innovative Products: Unique offerings like the TAB Tracker provide transparency and variety not found with every lender

• Broad Asset Acceptance: They lend against residential, commercial, and even complex land/development projects

• Tech-First Approach: A streamlined digital platform ensures that the application process is significantly faster than traditional banking routes

• Transparency: No hidden fees and a clear commitment to Accountability in their lending practices

Cons:

• Regional Limits: While they cover most of the UK, their primary focus and most competitive terms are often centered on England and Wales

• LTV Caps: While 70% LTV is competitive, some high-leverage specialist lenders may occasionally push slightly higher for very specific low-risk assets

Customer Service and Reviews

TAB places a heavy emphasis on Accountability, which is reflected in their transparent communication style. They utilise a dedicated team of Business Development Managers (BDMs) across the UK to provide a human touch to the tech-led process.

Customer feedback generally highlights the professionalism of the underwriting team and the speed of their TAB University educational resources, which help borrowers and brokers understand the complexities of bridging finance. On platforms like Trustpilot, the lender maintains a positive reputation for its clarity on fees and its ability to deliver funds within tight deadlines.

How Their Products Compare to the Rest of the Market

When looking at the wider specialist lending landscape, TAB’s products sit in a unique space between traditional boutique lenders and large-scale institutional banks.

• Transparency and Flexibility: While many lenders offer fixed rates that can feel rigid, TAB’s introduction of tracker options provides a level of transparency that is often missing in the short-term market. Their willingness to look at outside the box cases—such as complex semi-commercial assets or second-charge requirements—makes them more flexible than high-street providers

• Tech-Driven Efficiency: Compared to older, more traditional bridging firms, TAB’s investment in proprietary technology means their time to offer is frequently shorter. They have automated many of the administrative hurdles that typically slow down the bridging process, making them a top choice for auction finance where speed is the primary factor

• Sustainability Focus: TAB has also moved ahead of much of the market by integrating ESG (Environmental, Social, and Governance) considerations into their lending. They often provide incentives or specialised products for green refurbishments, a niche that many traditional bridging lenders have yet to fully embrace. They offer reduced exit fees for those financing EPC rating improvements

How to Apply

1. Through a Broker (recommended): For Development and Complex Bridging in the UK, it is best to use a specialist broker who can package the deal

2. Direct: You can also contact TAB directly by filling out a quick enquiry form on their website

Get started here to begin a free, no-obligation chat with a bridging finance broker who specialises in Sancus’ product range, can compare it against the market for you, and offer independent advice about which deal to choose.