Catalyst is a UK-based principal lender founded in 2009, offering several financial products to individuals and SMEs, including a range of bridging loans.

The lender is often praised for the quality of its customer support, their wide choice of bridging finance, and their high maximum LTV of up to 80%, which is more than a lot of its competitors.

In this review, I will detail Catalyst’s loans’ key features, eligibility criteria, application process and rates to help you decide whether it is the right lender for your specific needs.

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  • Rates
  • Range of Finance Options
  • Loan Size
  • Application Process
  • Customer Service

Catalyst Bridging Review

Catalyst Bridging Loans: Overview

Catalyst offers unregulated bridging loans from £100,000 to “10M for both commercial and residential needs.

You can use these loans to quickly secure property purchases, fund refurbishments, raise capital, or refinance existing loans.

Key Features Include

  • Bridging loans from £100k up to £10m, with up to 80% LTV available
  • Rates start from 0.90% per month for terms from 3 to 24 months
  • Up to 80% LTV
  • No Early Repayment Charges
  • Interests can be serviced, blended or retained
  • Purchase, refinance with no cash out, refinance with cash out, development exit and auction finance are accepted
  • 1st & 2nd charge loans available
  • Inexperienced borrowers are considered
  • Adverse credit can be considered through Catalyst’s flex bridging feature

Catalyst has an overall great reputation, catering to most needs with a wide choice of bridging products, great flexibility and responsive customer support.

What are the Eligibility Criteria for a Catalyst Bridging Loan?

Please note that the following criteria apply to most of Catalyst’s bridging products. However, if you don’t meet all these requirements, have a look at the lender’s Flex Bridging options, which are more permissive, especially concerning credit history and experience.

Catalyst Bridging Borrowers’ Criteria

NationalityUK individual / LTD Co/ LLP Offshore LTD Co
Minimum Age21
Maximum Age85 at the end of the term
Credit ProfileGood credit history required / Adverse credit considered through “Catalyst Flex Bridging”
CCJsMaximum £10k CCJs in the past 24 months, settled
Rolling Arrears
Missed Mortgage PaymentsUp to 4 in the last 12 months / None in the last 6
Bankruptcy / IVA / CVAIt must be more than three years since your last one

Catalyst Bridging Property Criteria

CriteriaMaximum LTV & Conditions
LocationEngland & Wales
Very Light Refurbishment Up to 10% of OMV. Up to 25% of OMV is considered when funded by the client
Development Exit FinanceAccepted for remaining works if below 10% of OMV, higher by exception
ResidentialUp to 80% LTV
Semi-CommercialUp to 75% LTV – Residential elements must be >50%
Commercial PropertyPre-planning to 65% LTV. The property must have an obvious C3 mixed-use/ residential opportunity
Properties Above 70% LTVMaximum unit value £750,000. Higher considered by exception

Application Process for Catalyst Bridging

Applying for a bridging loan with Catalyst is as simple as it gets. The lender has a Quick Loan Enquiry service, where you input your personal and loan details. Once you’ve submitted your details, Catalyst’s team will be in touch to guide you through the next steps.

Catalyst also provides useful documents and forms directly on their website, which means you can act ahead and fill in everything that’s required before applying, ensuring the process remains quick.

The front-end process is as quick and straightforward as you might expect, with minimal information needed upfront. More due diligence comes before formal approval for larger loans. Overall, Catalyst looks to deliver efficient bridging finance through technology and selective requirements.

Catalyst Bridging Rates

Here are the Catalyst bridging loan rates for 2023.

Catalyst Bridging Short-Term Bridging Rates

First Charge

LTVRates From

Second Charge

% of 180 Day ValueRates From
65% LTV0.99%

Catalyst Commercial Bridging Rates

% of 180 Day ValueBBR Tracker Rates From
65% LTVBBR + 9% Per Annum

Flex Bridging Rates

% of 180 Day ValueFixed Rates From
70% LTV0.99%

Catalyst Reviews & Ratings

Catalyst Reviews

An important thing to know is that, like many independent lenders, Catalyst does not gather a lot of reviews online. While this might worry some, I believe the quasi-absence of negative reviews is a good sign of Catalyst’s trustworthiness.

Catalyst receives an excellent score of 4.2/5, with customers praising the staff’s responsiveness and the overall quality of customer support. Interestingly, the only negative review I could find also mentions customer service.

Negative reviews are limited compared to the overwhelming positive feedback.

In summary, reviews indicate high customer satisfaction with Catalyst’s lending services, owing to fast processing and helpful staff. While a minority of customers have faced challenges, the overall sentiment toward Catalyst is very favourable.

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Catalyst FAQs

How does the loan approval process at Catalyst compare to traditional lenders?

The approval process at Catalyst is streamlined to ensure quick decisions, often within a few hours. Unlike traditional lenders, they focus on the value of the asset and the exit strategy rather than solely on the credit score of the applicant.

Can Catalyst Bridging Loans be used for commercial purposes?

What types of properties are acceptable as collateral for a Catalyst Bridging Loan?

How does Catalyst handle early repayments?

Are there any upfront fees associated with Catalyst Bridging Loans?