Bridging Loans
Leading UK broker for bridging loans since 2004
Looking for fast bridging loans in a restricted time frame or for an unmortgageable property or challenging asset class? Are you looking for refurbishment finance with the cost of the work and interest added to the loan? We’re here to help so that you can complete your property transaction as quickly and smoothly as possible.
Specialist Bridging Loan Broker Since 2004.
Fast, flexible property finance when you need it most.
You can have your short-term property finance made simple. If you need bridging finance urgently, are purchasing an unmortgageable property or require refurbishment funds, we can provide fast and competitive solutions from the UK’s largest panel of lenders.
As one of the UK’s premier bridging loan brokers since 2004, we have provided investors, developers and homeowners with appropriate finance quickly, cleanly, and without fuss.
Fast decisions in hours, funded in days
We have a network of lenders, providing the solution at the right time when it’s critical for all time-sensitive property transactions:
- Critical completions (within 24–72 hours)
- Auction purchase
- Chain breaks
- Refurbishments
- Unmortgageable buildings
- Investment properties
Funds are available within 3-4 weeks, but can be even faster with AVM valuation.
Key bridging loan features
Our bridging loans are a preferred borrowing option for the following reasons:
- Loans from £100k
- No upper borrowing limit
- Rates from 0.8% per month
- Up to 90% of purchase price (or 75% LTV on OMV)
- Terms from 1–24 months
- No monthly repayments (interest rolled up)
- Poor credit accepted
- First or second charge options
- UK & Western Europe
- Individuals, Ltd Co’s, LLPs, Trusts, SIPPs
What is a bridging loan?
Bridging finance is short-term property finance to “bridge” a gap between, typically, purchase and refinance or purchase and sale. The asset that the bridging finance is secured against can be varied, compared with traditional mortgages, and will often be:
- Not liveable.
- The subject of title changing or redevelopment/reclassification of use.
- An asset that is not appropriate to form part of a standard term loan.
We work with over 500 lenders on our panel to ensure the correct product is sourced.
Understanding the various bridging types
Bridging loans are structured in various ways to meet different needs. Here is a breakdown of the more common bridging packages.
For both homebuyers, investors, BTL landlords and on HMO conversions.
For office, retail, industrial, mixed-use and specialised assets.
From minor to extreme works, including any build costs and interest rolled over within the loan amount.
A fast turnaround solution to ensure the funds are ready to meet your 28 day completion timescale.
A solution for completing a development both new and existing.
Release capital or extend time to sell completed properties or developments.
Bridging loan process
We’ll be on hand to advise and help broker the deal.
Tell us about your project.
There are products available from over 500 lenders which allow us to find the product that best suits your needs.
The application and relevant documents are completed for you.
From valuation to completion, we endeavor to deal quickly and transparently.
Properties we can finance
Bridging finance is available for nearly all types of property.
- Residential
- HMOs
- BTL portfolios
- Mixed‑use
- Retail
- Offices
- Industrial
- Hotels
- B&Bs
- Student accommodation
- Land with planning
- Farms
- Pubs & restaurants
- Petrol stations
- Care homes
- PD schemes
Why use a specialist bridging loan broker?
A broker’s job is to make sure you get the best deal possible… negotiating hard and getting rates as low as possible.
With nearly 1,000 lenders in the market, criteria change constantly. A specialist bridging broker like us ensures:
- Faster approvals
- Lower rates
- Fewer obstacles
- Correct lender selection
- A smoother, stress‑free process
Lending criteria and fees
We can typically lend up to 75% LTV residential, 70% commercial and 73% net for refurb projects. The cost of your package will also depend on the type of bridging product you require.
Regulated Bridging: Used when the borrower or family will live in the property.
Max term: 12 months. Requires evidence of a mortgage offer for exit.
Unregulated Bridging: Used for business or investment purposes.
More flexible, broader lender pool, higher LTV options.
You will be liable for the cost of the lender’s legal fees… arrangement fees are typically 2%.
Bridging loan calculation
Before proceeding with an application it is always best to determine if you can meet the required repayment terms for loan term. Our bridging loan calculator is a quick and simple way of establishing this.
Any questions?
With any type of borrowing, there are always question to be answered beforehand. Our aim is to make sure you understand exactly what you are dealing with and how it all works. If you need anything explaining, feel free to contact us.