Fast Bridging Finance for Property Investment and Short-Term Funding
In property investment, timing is everything. Move quickly on auctions, purchases, refurbishments or short-term opportunities with flexible bridging finance.
Short-Term Property Bridging Finance with Flexibility
We arrange short-term property finance designed to move quickly, working with bridging loan lenders who understand complex cases. Whether it’s fast bridging finance for an urgent purchase or a property bridging loan to cover a gap before refinancing, we help clients stay in control.
Our role is to simplify the process, secure competitive terms, and provide funding that keeps your projects moving.
What Can Bridging Finance Be Used For
We support investors across the UK, including in London, the South East, Midlands and major regional cities, as well as rural locations. There are several use cases for bridging finance, some of which are:
Auction Purchases
Fast funding to meet auction 28-day (or shorter) completion deadlines. Investors may then switch to alternative funding methods once complete.
Unmortgageable Property
Finance for properties that require works before they qualify for a standard mortgage, for example structural issues, legal or planning problems, or uninhabitable.
Securing Below-Market-Value Deals
Bridging finance allows investors to act as if they were cash buyers and move quickly (which is attractive to motivated sellers) enabling them to secure off-market and below-market-value deals.
Land Acquisition for Planning Uplift
Bridging loans can enable fast land purchases or fund a planning application process. Planning gain can significantly increase the value of the land for the investor or developer.
Refurbishment Projects
Short-term funding for light or heavy refurbishments, to enhance the property value. Bridging is used by investors seeking to add value and sell-on, or refurbish to let the property.
Portfolio Expansion
Investors may be able to leverage equity in their existing assets to raise capital to expand their property portfolio without waiting for sales of assets or other income - particularly where the value of new acquisitions can be enhanced quickly.
Typical Rates, LTVs & Terms
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Loan size: £50k to £5m+
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Term: typically up to 12 months, but up to 18-months
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LTV: up to 75% (sometimes more with supporting security)
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Interest: monthly, retained or rolled up
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Security: residential, commercial, mixed-use, land
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Borrowing structure: SPV (Ltd company) or personal name
What Lenders Look For (Checklist)
✔ Clear and realistic exit strategy
✔ Strong business / project plan
✔ Appropriate cash / equity contribution
✔ Suitable security property
✔ Realistic costs, property valuation and viable timeframes
✔ Professional contractors or project team where works are required
✔ SPV or limited company structure (preferred but not essential)
Our Process
Step 1 - Initial Conversation
We review your project, timescales, experience and preferred funding structure with you.
Step 2 - Project Information Review
We gather drawings, planning details, costings, schedule of works, sales values and exit strategy.
Step 3 - Market Search & Indicative Terms
We approach suitable lenders from our broad network and secure competitive, relevant funding proposals.
Step 4 - Application
We will fully package your application, documentation and any due diligence required to submit your application to the lender.
Step 5 - Completion & Drawdowns
We support you through valuation, legal work and staged releases to ensure your project moves ahead smoothly.
Bridging Finance FAQs
How quickly can you arrange bridging finance?
Bridging loans can be arranged very quickly. Many straightforward cases can be completed within 7-14 days, depending on valuation and legal work. More complex cases can take longer.
Are bridging loans expensive?
Bridging loans do cost more than standard mortgages because they are short-term, designed to be arranged quickly, and carry more risk for lenders. Rates and fees vary based on the property, risk and exit strategy.
Do I need monthly repayments on a bridging loan?
Usually no. Most bridging loans use retained or rolled-up interest, meaning you don't make monthly payments during the term.
Do you offer open or closed bridging loans?
Many investor clients use open bridging loans, which do not have a fixed redemption date. Closed bridging loans may be suitable when a sale or refinance is already agreed.
Can first-time investors get bridging finance?
Yes, many lenders will consider first-time investors if the exit strategy is clear and the security property is suitable.
What are the risks involved with bridging loans?
The main risks relate to delays in exit strategy, which may lead to additional costs or the need to extend or refinance the loan. Bridging loans can also be more expensive than traditional mortgages.
Bridging loans are short-term finance products, secured against property, designed to move quickly and fund unusual circumstances. Lenders focus mainly on the value of the property and the investors exit strategy more than income or credit scores. After a valuation and legal processes, funds are released - usually in a single drawdown. Interest is usually rolled up or retained, so monthly payments are not made during the term.
Exit Strategy
Every bridging loan requires a clear exit strategy. Typical options include:
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Sale: selling the property and repaying the loan from the proceeds.
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Refinance: switching to a longer-term mortgage product once the property becomes mortgage-ready.
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Development exit: refinancing onto a cheaper facility to allow time for sales or longer-term funding to be concluded.
Investors with strong, realistic, exit plans stand a better chance of securing competitive terms. We can assist you with your exit strategy.