Dunfermline | Second Charge Bridging Loan

Apr 29, 2026

Layered capital. Structured properly.

This second charge bridging loan allowed the borrower to raise business purpose funding without refinancing their existing first charge facility.

£120,800 secured at 62% LTV without disturbing the existing first charge.

 

The Scenario

The borrower required capital for business purposes.

A refinance was not appropriate.

A second charge structure provided the solution.

 

The Structure

Second charge bridging
£120,800 facility
62% LTV
Full valuation
Business purpose funding

The second charge bridging loan allowed additional funding to be raised efficiently without disrupting the borrower’s existing first charge arrangement.

 

The Outcome

In this case, a second charge structure provided a practical way to unlock additional capital while allowing the borrower to retain their existing first charge arrangement. Rather than restructuring the entire facility, the deal was designed to layer funding against the security in a more efficient way.

In situations where borrowers already have strong first charge terms in place, refinancing is not always the most practical option. A layered lending approach can often provide faster access to capital while reducing unnecessary complexity.

For brokers, understanding the different ways capital can be structured is increasingly important, particularly where timelines, business purpose funding, or existing lender relationships all need to be considered as part of the wider deal strategy.

Practical funding. Structured properly. Delivered on time.

📍 No Drama. Just Deals.

 

What Brokers Say

We’ve worked with ScotLend for over two years and it’s been a consistently positive experience. Their can-do attitude, responsiveness and commercial approach make getting deals done straightforward. It’s a refreshing shift away from the more antiquated way of doing things. Communication is direct, decisions are quick, and their structure keeps everything simple and transparent. They’re efficient, easy to work with, and always a pleasure to deal with.
Sarah Fisher, Acquisitions & Investments, Kensington Shorre
I have known David Travers, the co-owner of ScotLend for many years now. We have been using their products and services since they launched as Scottish Bridging Loans in 2023 and since the re-brand to ScotLend, David’s knowledge, dedication and expertise has taken the business to the next level up. The highly professional team at ScotLend put the client at the heart of the transaction and our experience of the way they conduct their business has been fantastic.
Alistair Ewing, Managing Director, The Lending Channel
Working with ScotLend has been a delightful experience especially when you’re up against tight timelines and clients who need answers yesterday. No overcomplicating matters just straight decisions, and a team that actually picks up the phone. What stands out is their willingness to actually listen. When a deal needs a bit of context or clarity, the underwriters are open to the conversation, take the time to understand the client’s position, and look at the bigger picture rather than just what’s on paper.
Noreen Baqir, Circle Finance
As a commercial broker, having access to a reliable bridging lender is obviously really crucial. ScotLend has proven to be a very trusted partner, consistently delivering speed, flexibility, and a pragmatic approach to underwriting, that enables me to provide fast, effective solutions for my clients. The team at ScotLend are also an absolute pleasure to work with and the focus they have on clear and effective communication always helps ensure a positive experience for myself and my clients.
Kevin Gaughan, Director, DMK Finance

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