Bridging Finance

Bridging Finance is a short-term loan secured against property or land, designed to 'bridge' the gap until longer-term financing is arranged.

We offer both regulated and unregulated bridging finance, tailored to meet your clients' needs.

Key product features

• Adverse credit accepted
• Any legal purpose accepted 
• No exit fees (in most cases)
• All property types considered
• Automated valuations available 
• Loans from £10,000 to £50 million
• Interest can be rolled-up, serviced or part/part
• Terms from 1 to 24 months (unregulated) and 1 to 12 months (regulated). Both exit dependent. 
• Up to 75% LTV (regulated) and up to 85% LTV (unregulated) across one or multiple properties.
• Possibility for up to 100% LTV with additional security.

Suitable for clients who need:

• Fast access to funds: For urgent situations like auction purchases or time-sensitive property deals, where quick access to finance is essential.
• To buy an unmortgageable property: When buying properties that traditional lenders consider too risky, such as uninhabitable houses or properties in poor condition.
• To bridge the gap between buying and selling: To manage the financial gap between buying a new property and selling an existing one.
• Funding for renovation or development projects: For clients looking to finance property refurbishments or development work before getting longer-term financing.
• To prevent a property chain collapse: To ensure a property transaction goes through smoothly and the chain doesn’t break.

Take a look at our case studies to see how we've successfully helped brokers and their clients secure bridging finance in rapid time. 

How the referral process works

1. Refer your client to us: Simply send us the details, and we’ll handle everything from there.
2. Fact-find and product sourcing: We’ll complete the fact-find and source the most suitable product.
3. Application processing: We’ll package the application and guide it through to completion. You can choose how involved you want to be, but we’ll keep you updated regularly on the progress of the case.
4. Commission payment: Once everything’s completed, you’ll receive a competitive commission package, typically paid on the next working day.

Package-only service (for unregulated cases only): If you prefer, you can opt for our package-only service. 

Ready to start?

For all Bridging Finance enquiries, please call our team of experts on 0800 032 3535 or you can send us more details using our Enquiry Form and we'll call you.