Unlock Your Next Property Opportunity with Specialized Short-Term Finance

Are you missing out on property opportunities because traditional lending moves too slowly? Need quick capital for your next development project? Our bridging loans provide the rapid, flexible funding solution property developers need for efficient residential developments.

What is Bridging Finance?

Bridging finance, also known as a short term loan, serves as a vital short-term funding solution designed to “bridge the gap” between property transactions. When timing is critical, our specialized loans provide the capital you need—whether you’re purchasing before selling your existing property, securing auction properties, or funding essential renovations.

Unlike conventional mortgages that can take months to arrange, our bridging loans can be approved and funded within days, ensuring you never miss valuable property opportunities due to financing delays. Additionally, bridging finance can release funds quickly to meet urgent financial needs, providing immediate support for time-sensitive opportunities.

Key Advantages of Our Bridging Loans

• Rapid approval and funding – access capital in days, not months
• Flexible terms tailored to your specific project timeline
• Solutions for complex situations that traditional lenders avoid
• Expert guidance throughout the entire borrowing process
• Competitive rates with transparent fee structures

Our Comprehensive Bridging Finance Solutions

Property Purchase Bridging

Secure your next property investment before selling your current property. Our purchase bridging loans allow you to move quickly on opportunities without waiting for your existing property to sell, giving you a competitive edge in fast-moving markets. This flexibility ensures you can secure a new property even if the sale of your current property is at risk of falling through.

Perfect for:

• Buying at property auctions where completion is required within 28 days
• Securing investment properties before competitors
• Breaking property chains when a sale falls through
• Downsizing or upsizing when timing is critical

Refurbishment & Development Finance

Transform properties into profitable assets with our specialized refurbishment and development bridging loans. Our flexible finance options cover project costs, ensuring you have the capital needed at every stage. These loans can fund various stages of property development, from initial purchase to final sale, providing the financial support required for successful completion.

Ideal for:

• Converting commercial properties to residential use
• Renovating uninhabitable properties for quick sale
• Adding value through extensions or improvements
• Completing developments before securing long-term finance

Commercial Property Bridging

Capitalize on business property opportunities with our commercial bridging solutions that lend the necessary capital for business property opportunities. These loans cater to the needs of the borrower, ensuring quick access to funds for various financial needs related to property investments. Whether you’re expanding your business premises or adding to your investment portfolio, our commercial property loans provide the swift capital necessary to secure prime business locations.

Suitable for:

• Retail spaces and office buildings
• Industrial units and warehouses
• Mixed-use developments
• Semi-commercial properties

Types of Bridging Loans We Offer

Regulated Bridging Loans

Designed specifically for your main residence, regulated bridging loans provide essential financing while maintaining consumer protection standards. These loans are regulated by the Financial Conduct Authority, offering peace of mind when using your primary home as security.

Unregulated Bridging Loans

For investment properties and commercial ventures, our unregulated bridging loans offer greater flexibility and faster processing for property investors, developers, business owners, and self-employed individuals. These loans are typically secured against property, providing a reliable solution for those seeking efficient capital solutions.

First & Second Charge Bridging

Whether you need a first charge loan on an unencumbered property or a second charge solution alongside existing financing, we offer flexible options to suit your specific circumstances and maximize your borrowing potential.

Why Choose Our Bridging Finance Services?

Speed When It Matters Most

In the competitive property market, timing is everything. Our streamlined process ensures quick decision-making, minimizing delays in delivering funds. Clients can receive funds in as little as 48 hours once their application is complete, showcasing our quick turnaround times in facilitating financial solutions. Our dedicated underwriting team means decisions are made quickly, with funds typically available within days of approval.

Flexible Terms That Work for You

We understand that every project has unique requirements. Our bridging loans feature customizable terms, including:

• Loan periods from 1 month to 24 months
• Flexible repayment options including rolled-up interest and manageable repayments
• No early repayment penalties on most products
• Loan-to-value ratios up to 80% on residential properties
• Variable rate options available for competitive and flexible lending

Solutions for Complex Situations

Where traditional lenders see problems, we see opportunities. Our experienced team specializes in creating bespoke bridging solutions with a common sense approach. As part of our evaluation process, a credit check is conducted to ensure we understand the borrower’s unique circumstances.

Our experienced team specializes in creating bespoke bridging solutions for:

• Properties requiring extensive renovation
• Unusual construction types
• Short leasehold properties
• Complex ownership structures
• Borrowers with adverse credit history

Transparent Fee Structure

We believe in complete transparency. Before you commit, you’ll receive a detailed breakdown of all costs involved, including:

• Interest rates (typically from 0.44% per month)
• Arrangement fees
• Legal and valuation costs
• Exit fees (if applicable)

Interest Rate and Fees

Bridging finance interest rates can vary depending on several factors, including the loan amount, property value, and individual circumstances. At our company, we offer competitive interest rates for our bridging loans, starting from 0.45% per month. Our interest rates are designed to be flexible and can be tailored to meet the specific needs of our clients.

Understanding Our Competitive Rates

Our bridging loan interest rates are calculated based on the loan amount and the property’s market value. We offer a range of interest rate options, including fixed and variable rates, to suit different client needs. Our interest rates are competitive and transparent, with no hidden fees or charges. We believe in providing our clients with a clear understanding of their interest rates and fees, so they can make informed decisions about their bridging finance.

Fee Transparency and What to Expect

At our company, we are committed to fee transparency. We believe in providing our clients with a clear understanding of all the fees associated with their bridging loan. Our fees include an arrangement fee, which is typically 1-2% of the loan amount, and an exit fee, which is usually 1% of the loan amount. We also charge a valuation fee, which is paid to the valuer for assessing the property’s market value. All our fees are clearly outlined in our loan agreement, so our clients know exactly what to expect.

The Application Process Simplified

1. Initial Consultation

Contact our expert team for a no-obligation discussion about your requirements and initial enquiry. We’ll explain the options available and provide indicative terms based on your specific situation.

2. Decision in Principle

Once we understand your needs, we’ll issue a Decision in Principle outlining the loan amount, rate, and terms available to you. This can typically be provided within hours of your initial inquiry.

3. Formal Application

With your Decision in Principle in hand, you can proceed with confidence. Our streamlined application process requires minimal documentation, focusing only on what’s essential to approve your loan.

4. Property Valuation

A professional valuation will be arranged promptly to assess the property’s current market value and suitability as security.

5. Legal Process

Our experienced legal partners work efficiently to complete all necessary documentation, conducting appropriate searches and ensuring all regulatory requirements are met.

6. Loan Completion

Once legal work is finalized, funds are transferred immediately, allowing you to seize opportunities and complete your property purchase or commence your project without delay.

Eligibility and Requirements

Our bridging loans are available to a wide range of borrowers, including those who may find it challenging to secure financing from mainstream banks:

• Private individuals
• Limited companies
• LLPs and partnerships
• Foreign nationals (with UK property)
• Pension funds

The amounts that can be borrowed depend on various factors, including the type of loan and the financial circumstances of the borrower.

Key requirements include:

• UK property as security (residential, commercial, or semi-commercial)
• A clear exit strategy for loan repayment
• Minimum loan amount of £50,000
• Maximum loan term of 24 months

How Much Can You Borrow?

To determine how much you can borrow, we will assess your individual circumstances, including your credit history, income, and property value. We will also consider the purpose of the loan, whether it’s for a property purchase, refinancing, or other purposes. Our experienced underwriters will work with you to determine the maximum loan amount you can borrow, based on our lending criteria and your individual circumstances. We offer a range of bridging loan products, including regulated and unregulated bridging loans, to suit different client needs. Our bridging loans can be used for a variety of purposes, including property purchases, refinancing, and refurbishments. We are a reputable bridging loan lender, with a strong track record of providing flexible and competitive finance solutions to our clients.

Planning Your Exit Strategy

Every bridging loan requires a defined exit strategy—the method by which you’ll repay the loan at the end of the term. Ensuring that the loan is repaid is crucial to avoid financial complications. A successful deal, such as a property sale or refinancing, can be an integral part of your exit strategy. Common exit strategies include:

• Sale of property – particularly effective for development and refurbishment projects
• Refinance to long-term mortgage – ideal when improving a property’s value
• Sale of other assets – when liquidating investments or business assets
• Incoming funds – such as settlements, inheritance, or business proceeds

Our team will work with you to evaluate and strengthen your exit strategy, ensuring a smooth transition at the end of your bridging loan term.

Overcoming Adverse Credit Challenges

Traditional lenders often reject applications based solely on credit scoring. Our approach is different—we use a common sense method to assess each application on its individual merits. A credit check is part of the evaluation process, conducted only with the borrower’s permission, to ensure a comprehensive assessment.

We focus on:

• The quality and value of the security property
• The viability of your exit strategy
• The overall strength of your application

This means we can often assist borrowers with:

• Previous CCJs or defaults
• Historic bankruptcy or IVAs
• Missed mortgage payments
• Limited credit history

Expert Support Throughout Your Borrowing Journey

Our dedicated team of bridging finance specialists provides end-to-end support and exceptional service, from initial inquiry through to loan redemption. Clients have positively dealt with our team, praising their helpfulness, expertise, and proactive communication. With decades of combined experience in property finance, we offer:

• Personalized advice tailored to your specific situation
• Regular updates throughout the application process
• Proactive management of potential issues before they cause delays
• Assistance with exit strategy implementation when required

Ready to Secure Your Bridging Loan?

Don’t let financing delays cost you valuable property opportunities. Contact our expert team today to discuss your bridging finance requirements and discover how quickly we can deliver the funding solution you need.

Call us now on [Phone Number] for an immediate consultation, or complete our simple online inquiry form for a response within 24 hours.

Fast decisions. Flexible terms. Funding when you need it most.

Customer Testimonials

“When our house sale fell through just weeks before completing on our dream home, we thought we’d lose it. The award winning bridging team arranged financing within days, saving our purchase and giving us time to sell our existing property without pressure.” — Michael & Sarah T., Residential Bridging Customers

“As a property developer, timing is everything. The commercial bridging loan I received enabled me to secure a prime retail unit at auction and complete the conversion to three luxury apartments. The flexible terms meant I could maximize profit without rushing the sale. The team was instrumental in getting the deal over the line.” — James L., Property Developer

“After being rejected by high street banks due to the property’s condition, I almost gave up on my renovation project. The bridging loan not only funded the purchase but also covered the refurbishment costs. Six months later, I refinanced to a standard mortgage at a significantly higher valuation.” — Rebecca D., Property Investor

Frequently Asked Questions

How quickly can I receive bridging loan funds?Following approval, funds can typically be released within 5-14 working days, depending on the complexity of your case and how quickly the necessary documentation can be processed. Our short term loans are designed to meet urgent funding needs, ensuring quick processing times to help you meet tight deadlines.

What is the maximum loan-to-value (LTV) available?We offer up to 75% LTV on residential properties, 70% on commercial properties, and up to 65% for land with planning permission. Higher LTVs may be available in certain circumstances.

Can I repay my bridging loan early?Yes, most of our bridging products allow early repayment without penalties, offering you complete flexibility if your circumstances change or your exit strategy completes ahead of schedule.

Do I need to make monthly payments?While monthly interest payment options are available, many clients choose to “roll up” the interest for the duration of the loan, with all interest paid when the loan is redeemed. This improves cash flow during your project.

What types of properties do you accept as security?We consider a wide range of properties including residential, commercial, mixed-use, and land with planning permission. We can also consider non-standard construction types that many lenders avoid.

Are buy-to-let mortgages relevant to bridging finance?Yes, buy-to-let mortgages are highly relevant to bridging finance, especially for property investors. These financial products are designed to help landlords and investors manage their properties and overcome financial challenges. Bridging finance can provide the necessary funds quickly, allowing you to secure investment properties and transition to a buy-to-let mortgage seamlessly.

Contact us today to discuss your specific requirements and discover how our bridging finance solutions can help you achieve your property goals.