How Quickly Can You Get a Bridging Loan?

Bridging loans are some of the most looked up funding methods nowadays for people who need money for a new house. They are another alternative to your typical mortgage. When you don’t want to lose a good deal on the house, or you want to get a house from an auction before another investor does, you can make use of a bridging loans.

Looking up these loans on search engines will always reveal one thing – that they are swift to get. However, how long precisely till you obtain your bridging loan? This article will explain it to you.

fast bridging loan

So How Fast Can You Obtain a Bridging Loan?

You might think that a bridging loan can be taken at the snap of your fingers. With how some lenders advertise their bridging loans, it seems that in 24 hours you will get your money. Well, although there are situations when you can get your loan that quick, the reality is different most of the time.


On average, it takes between 5 and 14 days to get a bridging loan. In some cases, it can take even longer, especially if you go to a lender who undertakes a more careful application process. In this case, it might take between 14 and 21 days for the application to be completed.

Can You Speed Up Your Application?

Bridging loan lenders will always make sure to grant you access to your loan as quickly as possible, so you can use it for whatever you need before it’s too late. The lender is the main factor when it comes to the quickness of the process. Still, the lender isn’t the only one who can help the process. You can try to help speed it up a little too.


When you apply for a bridging loan, there will usually be a few documents and details that you’ll have to offer the lender for the application to be processed. Property valuation reports and confirmation of ID are examples of documents that will be required to make sure you are trustworthy for a bridging loan. Therefore, you need to have all the documents ready when the time comes, so you can immediately send them back and not make the processing time longer.


Before you apply for a bridging loan with a lender, it’s essential to check the lender’s requirements for documentation and have all of them ready.

Is There Anything that Could Delay Your Application?

There are indeed instances where your application process could be slowed down. For instance, bridging loan brokers operate differently, so one could take longer than another, in which case your application gets delayed. 

But the amount of time it takes to get a bridging loan could also be affected by the verifications needed when the lender processes the application. The lender will have to make some checks, such as making valuation reports. These could take a while, which will slow down the entire process of getting your loan. Sometimes, a lender could also forego a survey report. 

Also, you will not be able to secure your loan at the speed of light when you want to make sure to get the lowest repayment rate. After all, the repayment rate is calculated depending on how risky it is for the lender to grant you this form of financing. With that in mind, it’s obvious it will take a while to price the bridging finance accordingly. 

Aside from the valuation reports, the lender you picked will also perform some legal searches. These don’t take just a few minutes to come back. In fact, it could take a few weeks, which will delay your application a bit. You can get around this by offering title insurance as a replacement. 

However, it’s important to take into consideration that not doing these things will reduce the amount it takes for the application to be completed but will increase the risk for the lender. As a result, you can expect an increase in the amount of cash you will have to pay back. Think carefully about this. 

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What Steps Does the Application Process Include?

If you want to understand how long it takes to finally receive your bridging loan, you have to know the steps you will go through with the lender. 

·      Contacting the Lender

The first step you have to go through is, of course, talking to the lender. This is important for establishing what you need. For instance, when talking to the lender, you have to let them know what assets you have available for security, how much you need to borrow, how long you need the loan for, how you intend to pay, and so on. All of these are important in making the lender decide if they should continue with this or not, as your answers will give him/her more details about you. 

To make sure you also have a good, experienced lender that takes this application process seriously, you will have to carefully search for them. Don’t go with the first bridging loan lender you find – instead, compare the ones you come across and decide which one is the best depending on their offers. 

After talking to the lender, you should be given a decision very quickly regarding whether you’re accepted or not. It should take no longer than 24 hours. The lender will make an offer depending on your situation, and if you accept the offer, you will have to go and provide proper documentation for your application process.

·      Providing Documents

Normally, it’s ideal to have the documents ready for when the lender will need them. But if you don’t, make sure to get them as quickly as possible. The documents will be thoroughly checked to make sure you are someone worthy of receiving bridging loans for property development or purchase. In some cases, the lenders will require additional papers. The faster you get them, the quicker your process is going to be. 

·      Valuation

Bear in mind that with bridging loans, you will generally have to use your property as security to be valued. You will borrow bridging finance in an amount that is a percentage of the worth of the property. This is what’s known as the LTV, aka the loan-to-value rate. 

To estimate the worth of your property, your lender will have to ask a valuer to write the valuation report. This person will look at the condition of your house in comparison to others in the area and write a valuation report based on that. After all, they cannot rely on you to tell the value of your property. For all they know, you could overvalue your own property for the sake of obtaining a better rate. 

However, if there has been a survey done on your property recently, the chances are that the valuer will accept this and not visit your property anymore. The good thing about this is that the valuation process will take less time, and your application will go faster. Conversely, if the valuer has to visit your property, the process will depend on when the valuer has scheduled the visit. 

Loan to value rates is typically between 65% and 70%. 

·      Legal Work

It shouldn’t be any surprise that securing a bridging loan will also involve some legal processes. It’s necessary to employ an expert bridging loan solicitor because they will be able to properly deal with the legal work. Also, they understand that you need this to be done quickly. 

bridging loan money

How Can You Find the Right Solicitor? 

Arranging a bridging loan is different from arranging a mortgage. Therefore, you need a specialised solicitor to arrange your bridging loan. Still, there are several things you need to take into account when looking for a solicitor.


For instance, you need to ask them for specific examples of cases when they arranged bridging financing successfully in the past. Also, you will have to ask the solicitor about their experience when it comes to dealing with bridging loans. Bear in mind that both the person and practice you’re dealing with have to be experienced in this field.


Also, it’s important to ask about the workload of the solicitor. They should have enough time to deal with your bridging financing too. In some instances, they may act as if they have the time when they actually don’t.


You also have to let them know how fast you want the application to be. You can specifically let the solicitor know the date you have in mind for the completion of the process.

Final Thoughts

Bridging loans might not have the same fees and charges as a standard home loan, but they are good alternatives to using when you want faster access to money for a new house. But how long they take depends on the particular lender, and on how fast you can provide the necessary documents. Hopefully, you will be able to speed up the process and get your cash quickly enough. 

Family Signet Rings – Fashion or Status

I will be off topic for me as my family, and I have just got some engraved signet rings, these family rings are a symbol of our love as a unit. With our love for all things Japanese, we have got these rings engraved in Japanese character.

Fashion has evolved over the decades and continues to be refined and changed. What you see today may have been improved from the most basic of styles. Many fashion items have survived attempts at completely transforming them into something entirely new. They have retained most of their original features and added just a few things due to external influences. Items that have kept much originality and considered with high regard; signet rings should be viewed as such.

Family Ring

Signet Rings and their Usage

Signet rings have witnessed centuries of history; some have contributed to making history itself. They are unlike any other piece of jewellery. The signet ring is a unique accessory that characterised the fingers of many powerful men and women in the past. The jewellery was engraved with the initials or personal designs of the individual wearing it. Most bands on the rings were ornate, but some were plain, depending on the owner’s taste. Many of these rings were also used for sanctioning official work. For instance, a ring could bear an official seal or court of arms, which could be used to endorse a formal decree. By pressing it on molten wax poured on a document, for example, a ruler could create a seal that could be broken only by an authorised person, this explains why signet rings were synonymous with seal rings, authority and status. The seals on signet rings were mostly used by nobility and royalty, such as kings, queens, earls, dukes and so on, and were recognised by everyone in the ruler’s jurisdiction.
For a signet ring to be a seal ring, it had to be engraved in a mirror image of the court of arms or initials of the wearer.
In this era, a signet ring from the past would be considered a collector’s item, and therefore, an extremely rare and precious jewel. If you found one, you could trade it for a substantial amount of money in the antique market. Many such rings belonging to notable personalities in history would be kept under protected areas such as museums.

Seal Ring

Unique Engraving

Personalised signet rings are making a comeback in the contemporary fashion industry, and getting your aesthetically appealing signet ring is possible with the availability of state-of-the-art engraving tools. The market is flooding with plain rings, which can then be personalised to suit your desire. Today, people engrave signet rings with their initials or those of their loved ones. Some curve writing of their favourite quotes on them to declare their identity to the world or love for someone. Creativity knows no bounds when it comes to what can be engraved on the rings.

Making a mirror image of your initials is not necessary, as the rings are made for ornamental—rather than functional—purpose. The engravings are not meant to be pressed on another surface to be read. You wouldn’t want to wear a ring engraved with writing that you or another person can’t comprehend directly.

Nowadays, custom designs acquired from detailed photographs or individual creativity are popular sources for engravings on new signet rings. In some places, the sight of a highly ornamented ring can enhance your status in society. The highly detailed engravings can make your hand look more attractive and majestic.

It is possible to order custom-made rings online for personal use. Online auctions that facilitate the buying and selling of antique items can enable you to find the rarest of signet rings, which may cost millions of dollars before and after bidding.
You have the option to buy one that is pre-engraved with another person’s design, or you could order one engraved with your design.

Designs & Shapes of Rings

The bezel of signet rings comes in numerous shapes. One of the most common one is round, which provides elegance and simplicity that lacks in straight oval—the most attractive form of a signet ring. It is loved by most engravers because it makes engraving easy. The vertical oval is conservative yet spectacular, which explains its popularity. Other shapes include octagon, square (oxford), bulbous oval and cushion.

The function of the signet ring as a symbol of authority, personal signature or family heritage may have gone with the ancient civilisations, but its use in symbolising cultural and social identity remains. Although its importance is now trivialised, signet rings can still be used for aesthetic purposes and a passion for historical items. Whether it was passed down from an older member of the family or you bought it from an auction, ancient rings can retain the aesthetic value that they had in the past. You can also make your rings with your personalised designs just to express your artistic ability. With such a ring on your finger, this assures of making a strong fashion statement wherever you go.

Sushi at a Glance

Sushi at a Glance

sushi

Additionally, but sushi is an amazingly beautiful kind of food. If an individual wants to improve their varieties of sushi they eat, you have to try a variety of plates of it. In such conditions, having tuna sushi every week can likewise be dangerous.

There are lots of different kinds of sushi. As mentioned above, it is now served in restaurants all across the world. It is the most popular type of Japanese food, enjoyed throughout the world. In fact, it has many benefits for the body. Modern-day sushi making kits often incorporate a shamoji made from plastic.

Sushi Can Be Fun for Everyone

Sushi has gotten more and more popular. Also, it is available in various forms in America, so choose the healthier options available from all the types of sushi. As sushi on the prime serving dish is unclaimed, it isn’t regarded as insult to never eat it.

If you’ve never tried sushi, you’re passing up a delectable and wholesome eating experience. Yes, sushi is a nutritious alternative to other kinds of foods. The way of serving may also produce a sushi different from several other types.

Sushi is, obviously, the main quality of every Japanese restaurant and that’s the way in which they’re usually rated by the majority of customers. It is supposed to be one of the best diet foods. Off late, different forms of western sushi also have been created.

Sushi is a nutritious option because of the way it is prepared. You are considering the sushi and admiring its collection of various colors and textures. Sushi is among the most common Japanese foods. Japanese sushi is well-known in many areas of the world. It has its own way of presenting in front of the purchasers.

Getting the Best Sushi

All you will need is basic items necessary to cook sushi, such as, for instance, a sushi mat. Sushi is a conventional Japanese food, which might or might not have raw fish among the ingredients. It is an increasingly popular food item that is liked by people a lot these days and many people may wonder where to find the best place to buy. Nigiri sushi could possibly be served as a set with an assortment of toppings. It should be consumed in one bite.

The Fundamentals of Sushi Revealed

Even sushi if you’re able to stomach it!! Sushi isn’t always made out of raw fish, but it’s always made out of vinegared rice, which is what sushi means. It is a wonderful food style. It is considered apt for people who are following a weight loss diet. Thus, it is vital that sushi is correctly ready to prevent any problem. Makimono sushi can also arrive as temaki that is a cone of nori full of the vinegared rice and fillings. It is another type of sushi.

Things You Should Know About Sushi

If it resembles sushi, then it’s sushi” failed here. Sushi is a rather popular Japanese dish, in comparison to sashimi. It has come a long way from its country of origin. The expression sushi is frequently used interchangeably with `sashimi’.

Over the last several years, sushi has become more and more well known in Western culture. It was first introduced to the United States in 1950, but didn’t really begin to take off until years later. It is believed to be the most significant dish representing the Japanese cuisine. At this time, you have several sorts of sushi, which are made with a broad scope of ingredients.

making sushi at home for beginners

Sushi platter

It doesn’t matter who you’re or where you are from. No one can deny the fact that the popularity of sushi has exploded in London over the past 2 decades and by now, has fully-established itself in Western fusion cuisine. These days, a little spicy tuna-roll is as common as burgers or pizza. Okay, so pretty much everyone who has tried sushi loves it. But guess what? Few know how to make it. You have to get your fix from Japanese restaurants & sushi bars, which can often be over-priced. Truth is, you do not have to be some sort of master sushi caterer in London to make sushi at home. Making sashimi rolls is actually pretty simple. And if you’ve all the right tools, it is less expensive. You can also see sushi catering London.

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    Simple Usage
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LINE UP INGREDIENTS

With sushi, similar to any cooking, the-best ingredients offer the best results. The most scrutiny needs to be given to the fish and rice for great-tasting sushi. Sushi grade fish is a bit pricey, but you should use the proper-grade for taste and safety.

Here’s What You’ll Need:

· Sushi Grade fish – Like Salmon, Mackerel, Tuna, or Yellowtail.

· Vegetables –Carrot, Avocado, Pickled Radish, Cucumber, Crab meat, Asparagus, Steamed Spinach – pretty much whatever you want in your dish.

· Sushi Rice (2 Cups) – You need short grain Asian white rice as its starch content makes it sticky when cooked, and so it clumps together. Western long-grained or Non-glutinous rice won’t work as it’s too dry in texture.

sushi ingredients

PREP AND ASSEMBLING

SUSHI RICE

Sushi rice should be washed with cold-water before cooking to get rid of any bran powder or compounds. As the rice is agitated, water will get to turn cloudy. Rinse up until the water is clear. The rice may be-too sticky & smelly if you fail-to do this.

Sushi rice recipe

This makes adequate rice to prepare sushi-rolls for a-family of 4 – all hearty eaters.

Rice

· 3 cups sushi-rice (before cooking)

· 3¼ cups of water

Add to the rice-maker and set the-time to start cooking.

When the sushi-rice is done cooking, make the sushi-rice vinegar mix. That is what gives sushi-rice its characteristic taste.p> VEGETABLES AND OTHER INGREDIENTS

While the rice is cooking, we will slice the sashimi & vegetables as thinly as possible. You’ll want everything to be in-thin, long strips. This can be achieved using a-slicer or by hand. Set the sushi ingredients in small-bowls, and arrange them for easy-access in a circle or line. You’ll be drawing small-bits from each bowl even as you assemble the sushi.

FISH

In London sushi catering, you will most likely be-using salmon or tuna fillets. In case you prefer, you could also ask your fish-provider to slice the fish further for you. There’re basically 5 ways to cut-sushi fish.

· An angled-cut often used for-nagiri

· A rectangular cut most common and usable on all-fish

· A cube cut works well for soft thick-fish

· A paper thin cut suits some firm, white-fish.

· A thread-cut often used either for squid & thin-white fish filets.

sushi catering

5. WRAP & ROLL

Place 2-3 table spoons of vinegar and 8 oz of water inside a bowl so-that you could dip your hands whilst assembling sushi. This keeps the sushi-rice from sticking to the hands, as that is one of-the biggest issues experienced by rookie sushi makers.

Cover the bamboo mat using plastic wrap so as to prevent the sushi-rice fromsticking to it.

You can position a half-sheet of nori shiny-side down on your saran-covered bamboo mat.

Dip your hands in the vinegar-water mixture in order to prevent sticking.

Then grab a small-handful of sushi-rice. Cover bottom three quarters of nori-sheet with thin rice layer, leaving the top-quarter of the-nori- sheet empty.

Make a small groove along the-length of the rice.

Depending upon your recipe, you can lay a thin-layer of vegetables, fish or crab meat in the-groove on top of sushi-rice on the bottom-third of the-nori sheet.

Add a small wasabi swipe on top of-other ingredients in case you prefer so.

Begin rolling the sushi roll by placing the tips of 4 fingers of each-hand on-top of the sushi-ingredients and hold them in-place whilst keeping both your thumbs on the bamboo-rolling mat back nearest to you.

Push the-mat forward til the-mat is wholly around the sushi-roll & until the bottom and top edges of the-nori meet.

Pull your 4 fingers out from-the mat and then roll.

Proceed to roll the sushi-mat in a circlearound your ingredients. And avoid pressing too-hard. You can use the mat to shape your-sushi into a nice-long & round roll. Be gentle or-you could have a heavy-rice log.

Set the first sushi-roll on a plate and make as many more sushi-rolls as you like. Allow them set for-a few minutes before cutting. This helps the rice & ingredients stick & gel in shape.

To cut your roll, place one sushi-roll on the cutting-board. Using a sharp knife, gently cutting each sushi-roll in half, cut down & through. Place the two-halves above & below each-other, and cut every section into 3 pieces, leaving 6 bite-sized sushi morsels. Then place the sushi-rolls on a plate.

Then repeat this process until all of the sushi-rolls are cut in to bite sized pieces.

Serve while hot

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