Bridging Finance

Bridging Finance UK

Short-term secured lending for property investors and developers. Fast completions, flexible underwriting, and access to over 60 specialist lenders. Loans with flexible loan sizes.

0.55%
Rates From (per month)
75%
Max LTV
5 days
Fastest Completion
24 months
Max Term

Our Bridging Finance Products

🔨 Auction Finance

Complete within the 28-day auction deadline. Fast-track completions for auction room purchases.

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🔧 Refurbishment Finance

Light to heavy refurbishment bridging. Funds drawn in stages as works progress.

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🔐 Second Charge Bridging

Release equity without disturbing your existing mortgage. Secured on unencumbered equity.

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📋 Adverse Credit Bridging

CCJs, defaults, missed payments — specialist lenders assess the asset, not just the credit file.

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🌍 Foreign National Finance

UK property finance for overseas buyers and non-UK residents. Specialist AML processes.

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🏢 Ltd Company / SPV

Bridging finance for limited companies and newly incorporated SPVs. No trading history required.

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How Bridging Finance Works

A bridging loan is a short-term secured loan, typically ranging from 1 to 24 months, used to "bridge" a gap between a property opportunity and longer-term finance or a sale. Unlike a mortgage, it is underwritten primarily on the security asset and the exit strategy — not on income.

Rates are quoted monthly (typically 0.55–1.2% per month depending on LTV, property type, and borrower profile) and interest can be rolled up, retained, or serviced. Most deals can complete within 5–15 working days with the right preparation.

All three interest structures — rolled-up, retained, and serviced — produce different total costs from the same headline rate. We model all three for every deal before approaching lenders. Read our full guide here.

Ready to discuss a bridging deal?

Tell us the property, loan amount, and your exit strategy — we'll come back with indicative terms within 24 hours.

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