TYPICAL PARAMETERS
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€500k – €2m+
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60–75% LTV
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6–18 month tenor
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Residential & mixed-use
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Any individuals, families, SPVs
Properties Move Slowly.
Opportunities Don't
Investor face structural friction when acquiring property in Europe:
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European banks do not lend pre-completion
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·Refinancing only occurs post-renovation and seasoning
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·Notary timelines differ from UK exchange
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·Renovation costs sit outside standard mortgage structures
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·Competitive assets require speed and certainty
Bridge financing allows you to secure the asset now, execute improvements, and refinance once the property is stabilised — without losing negotiating leverage.
WHERE BRIDGE FINANCING IS USED
Typical Investor Scenario
Pre-Refinance Acquisition
Acquisition before Italian bank refinance is available
Compromesso to Rogito
Bridging the gap between preliminary and final contracts
Acquisition + Refurbishment
Acquisition with light refurbishment (€50k–€300k works)
Auction & Off-Market
Auction and off-market purchases requiring speed and certainty
Portfolio Liquidity
Portfolio investors needing temporary liquidity across assets
A Structured, Disciplined Process
01
48hr
Eligibility Review
Asset, leverage, timeline, and exit feasibility assessed confidentially.
02
Indicative Terms
LTV range, pricing guidance, structural approach, lender appetite.
03
Execution Coordination
Alignment with notary, legal advisors, counterparties, and lenders.
04
Exit Strategy
Refinance with Italian bank or asset sale.
Lumina Partners acts as an independent structuring advisor. Capital is provided by specialist bridge lenders and private capital providers.
DIFFERENTIATION
Why Investors Work With Lumina
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Cross-border structuring expertise (UK ↔ Italy)
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Execution mindset aligned with UK investor expectations
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Refinance-ready structures from inception
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Curated network of specialist bridge lenders
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Independent advice — no balance sheet conflicts
We are not a broker chasing volume.
We are a structuring partner focused on execution certainty and risk mitigation.
Frequently Asked Questions
Can UK non-residents qualify?
Is renovation financing included?
How quickly can a transaction complete?
What if refinancing takes longer than expected?
Is income or net worth verification required?
GET STARTED
Confidential Eligibility Assessment
48h Response
If you are evaluating a purchase or already under offer, we provide a rapid, no-obligation feasibility view.
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All enquiries handled discreetly.
No information is shared without consent.