Property type: MOT & Automotive
MOT and Automotive Bridging Loans Norwich
We arrange bridging finance against MOT stations, vehicle workshops, garages, bodyshops and dealership premises across Norwich and the wider Norfolk automotive market. Loan sizes run £250,000 to £5 million, terms 6 to 18 months, completions in 14 to 28 days. Automotive bridging prices 0.85 to 1.3% per month depending on trading position, operator covenant and the exit.
- Decisions in hours
- Completion in days
- £100k to £25m
- Norfolk specialists
Norwich · Norfolk
Bridge to your next move.
The asset class
What mot & automotive property looks like in Norfolk.
Automotive property covers MOT stations (Class 4, 5 and 7), independent vehicle workshops, body and paint shops, used-car forecourts, franchised dealerships, tyre and parts retailers, and the broader trade-counter automotive market. Trading-business value drives most of these assets, and the equipment, MOT licensing and operator certifications matter to the valuation. Bridging lenders read for going-concern value, vacant possession value and the alternative-use figure.
Use cases
Bridging use cases for mot & automotive assets.
Automotive bridging cases include acquisition of an operating MOT or garage business pre-refinance, with the bridge funding completion while the term commercial loan is finalised. Refurbishment and re-equipment of an existing premises to upgrade specification. Capital raise against an unencumbered or low-LTV automotive freehold. Change of use to residential or mixed-use on tired automotive sites where the alternative-use value exceeds the trading value.
Norwich context
Norwich Automotive: Salhouse Road, Aylsham Road and the Norfolk Trade Corridor
The Norwich automotive market clusters along the city's main arterial routes. Salhouse Road through NR7 carries one of the city's densest automotive trade strips, with garages, MOT stations, bodyshops and used-car operators running for several miles. Aylsham Road through NR3 and NR6 carries a parallel automotive trade, supporting the residential catchments of Mile Cross, Sprowston and Hellesdon. The Drayton High Road corridor and the A47 ring carry mid-format dealership and automotive trade-counter stock. Beyond the city, the Norfolk automotive market runs through the market towns of Wymondham, Dereham, Aylsham, North Walsham, Thetford, Diss and Cromer, with established family-owned garages and MOT stations across each. Bridging lenders read this market on operator track record, MOT licensing position, and the alternative-use position where change-of-use is a credible exit.
Valuation and lenders
Valuation and lender considerations.
Valuers price automotive property on the lower of going-concern and vacant possession value, with the alternative-use figure as a sense check. The bridging lender reads for MOT class registrations where relevant, operator track record, trading evidence and the credibility of the refinance or sale exit. Together, Roma Finance and Octane Capital all take automotive cases at sensible pricing. Aldermore, Shawbrook and Avamore Capital price competitively at the larger end.
What we arrange
What we typically arrange.
A typical Norwich automotive bridge sits at £300,000 to £1.2 million, 60 to 65% LTV, 9 to 12 months term, 0.95 to 1.2% per month, arrangement fee 1.5 to 2.5%. We package the trading position, the MOT licensing position, the operator covenant and the exit plan up front.
FAQs
MOT & Automotive bridging questions
Can we bridge an MOT station acquisition in Norwich?
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Yes. MOT station purchases across the Norwich and wider Norfolk automotive market are a recurring case type. The lender reads for the MOT class registration, the operator's certification position, trading evidence and the building's alternative-use figure. Loans typically run 60% LTV on the lower of going-concern and vacant possession value, exit to a term commercial loan once trading is established under the new ownership.
What about change of use from a garage to residential in Norfolk?
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Change of use from garage or bodyshop to residential is a regular case type, particularly on tired sites in inner-city locations where alternative-use value materially exceeds the trading value. The lender reads for planning position, the works budget, ground-condition surveys (essential on automotive sites because of contamination risk), and the credibility of the residential exit. Loans typically run 55 to 60% LTV with a works tranche released against monitoring sign-off.
Do bridging lenders take comfort on a long-trading family garage?
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Yes. Established family-owned garages and MOT stations with a long trading history, a recognisable customer base, and a credible succession or refinance plan price relatively keenly in the bridging market. The lender reads for the trading record, the operator covenant, and the building's alternative-use figure as the safety net. Loans typically run 60 to 65% LTV at the lower end of the automotive bridging range.
Tell us about the deal
Indicative terms within 24 hours.
A short triage call, then a sized indicative offer against a named lender for your mot & automotive property in Norwich or across Norfolk.
Regulated bridging on owner-occupied residential property falls under FCA regulation. Unregulated bridging on commercial and investment property does not. We are not directly regulated by the Financial Conduct Authority, and we introduce regulated cases to authorised partners who carry out the regulated activity.
Next step
Talk to a Norwich mot & automotive bridging specialist.
We arrange short-term finance on mot & automotive property across Norwich, the City of Norwich unitary authority and the wider Norfolk market. Indicative terms in 24 hours.