TAB is a specialist property lender that offers bridging loans and term finance on residential, semi-commercial and commercial property. Its bridges run from £100,000 to £5 million over terms of up to 24 months, and it lends in England, Wales and mainland Scotland. Bridge & Build Finance is an independent broker and is not part of TAB, so we can compare its terms with other bridging lenders.
About TAB
TAB is a trading name of TAB London Limited, registered in England and Wales. It launched in 2018 and was reported in June 2026 to have lent £759 million, supported by a £500 million funding facility from CarVal, a global alternative investment manager. TAB is a non-bank lender and describes itself as an unregulated lender, with all its loans secured against UK property.
Alongside bridging, TAB offers interest-only mortgages for professional property investors on residential, semi-commercial and commercial property. It positions its term lending as mortgage terms delivered with a bridging mindset, with one point of contact through the process.
TAB is one of the lenders we compare for bridging loans and commercial bridging.
What TAB funds
At the time of writing (October 2026), TAB's bridging flyer sets out these criteria:
| Area | TAB bridge |
|---|---|
| Loan size | £100,000 to £5 million |
| Term | Up to 24 months |
| Maximum LTV | Up to 75% on residential, including semi-commercial with over 51% residential floor area; up to 70% on commercial |
| Charge | First charge, or second charge on an additional property |
| Rates | Fixed and variable options |
| Exit fee | None |
| Regions | England, Wales and mainland Scotland (non-rural) |
TAB highlights its bridges for auction purchases, development exits and first-time buyers of investment property. Each loan is assessed on its own merits. Because TAB also offers term mortgages for investors, a borrower may be able to discuss a bridge and a longer-term loan with the same lender.
TAB does not publish refurbishment or development products in its bridging flyer, so heavier works and ground-up schemes are usually better placed with a specialist refurbishment or development lender.
Who TAB suits (and who it may not)
TAB tends to suit:
- Property investors buying or refinancing residential, semi-commercial or commercial property.
- Auction buyers who need to complete within the auction timetable.
- Developers needing a development exit bridge on a completed scheme.
- Borrowers who want a choice of fixed or variable pricing.
- Investors who may later want a term mortgage from the same lender.
It is a poorer fit for loans under £100,000, regulated bridging on a home you live in, heavy refurbishment or development, land, property in Northern Ireland or rural Scotland, and borrowers who need more than 75% LTV.
What TAB looks at
TAB says lending is on a case by case basis, subject to borrower status. Expect it to look at:
- The property: type, location, condition and value, confirmed by a valuation.
- The exit: sale or refinance, and how realistic the timescale is.
- The borrower: experience, credit history and other assets or liabilities.
- For second charges, the additional property offered and the existing first charge.
- For semi-commercial property, the split between residential and commercial floor area.
Pros and cons
Pros
- No exit fee.
- Fixed and variable rate options.
- Residential, semi-commercial and commercial property considered.
- Terms of up to 24 months.
- Lends in England, Wales and mainland Scotland.
- Term mortgages available for investors as well as bridges.
Cons
- Minimum loan of £100,000.
- No regulated bridging.
- No published refurbishment or development products.
- Second charges only on additional property.
- Maximum LTV of 75% residential and 70% commercial.
Going through a broker vs going direct
TAB works with brokers, including through mortgage club panels, as well as with borrowers. Going direct gives you TAB's view alone. Bridging terms vary on rate type, arrangement fees, minimum interest and exit fees, and the right choice between a fixed and a variable bridge depends on how long you expect to need the loan.
We search the market, present your case and approach suitable lenders, including TAB where it fits. It is free to enquire, and any broker fee is disclosed before you proceed. See our guide to bridging loans.
Alternatives to TAB
- Charles Street Finance: bridging from £50,000 to £10 million.
- Black and White Bridging: bridging, refurbishment, commercial-to-residential and land.
- MT Finance: residential, commercial and regulated bridging with no exit fees.
- Octane Capital: bridging and heavy refurbishment up to £25 million.
- Together: a large specialist lender for bridging, regulated bridges and land.
Common questions
How much does TAB lend on a bridge?
TAB lends from £100,000 to £5 million on bridges of up to 24 months.
What LTV does TAB offer?
Up to 75% on residential property, including semi-commercial with over 51% residential floor area, and up to 70% on commercial property.
Does TAB charge an exit fee?
TAB's bridging flyer says there is no exit fee.
Where does TAB lend?
TAB lends on property in England, Wales and mainland Scotland, excluding rural locations.
Does TAB offer regulated bridging?
No. TAB describes itself as an unregulated lender, so it does not offer bridges secured on a home the borrower lives in under a regulated contract.
This review is our independent summary of the lender's publicly stated lending, checked in October 2026. Criteria change, so confirm the current position before relying on it. Bridge & Build Finance is an independent broker and is not part of any lender reviewed. Finance is subject to status, valuation and lender approval.
