Fast, Flexible Bridging Loans From 0.49% pm
Fast, flexible short-term finance from 0.49% pm. Whether you need auction finance, chain break funding, or a large bridging loan, we source the best rates from 130+ lenders.
Bridge the Gap Between Purchase and Sale
Bridging loans provide fast, short-term finance secured against property. Whether you need to move quickly on an auction purchase, break a property chain, or fund a large acquisition, our access to 130+ specialist lenders means we can find the right deal for you.
With completion possible in as little as 5 days and loans ranging up to Up to £100m, we help clients across the UK secure the finance they need, when they need it.
Bridging Finance Solutions
Explore our range of bridging finance products, each tailored to specific needs and circumstances.
Large Bridging Loans
Learn more about our large bridging loans solutions and how we can help.
Learn moreLondon Bridging Loans
Learn more about our london bridging loans solutions and how we can help.
Learn moreLand Purchase Loans
Learn more about our land purchase loans solutions and how we can help.
Learn moreCommercial Bridging Finance
Learn more about our commercial bridging finance solutions and how we can help.
Learn moreChain Break Finance
Learn more about our chain break finance solutions and how we can help.
Learn moreProbate Bridging Loans
Learn more about our probate bridging loans solutions and how we can help.
Learn moreRepossession Loans
Learn more about our repossession loans solutions and how we can help.
Learn moreProperty Auction Finance
Learn more about our property auction finance solutions and how we can help.
Learn moreRebridging Finance
Learn more about our rebridging finance solutions and how we can help.
Learn moreRegulated Bridging Loans
Learn more about our regulated bridging loans solutions and how we can help.
Learn moreSecond Charge Bridging
Learn more about our second charge bridging solutions and how we can help.
Learn morePermitted Development Bridging
Learn more about our permitted development bridging solutions and how we can help.
Learn moreFast Bridging Loans
Learn more about our fast bridging loans solutions and how we can help.
Learn moreLimited Company Bridging Loans
Learn more about our limited company bridging loans solutions and how we can help.
Learn moreOffshore Bridging Finance
Learn more about our offshore bridging finance solutions and how we can help.
Learn moreBridging Loans FAQ
Learn more about our bridging loans faq solutions and how we can help.
Learn moreBridging by property sector
Lender appetite, valuation methodology and exit options change sharply between property sectors. These pages set out exactly how bridging works in each one - typical LTVs, rates, eligibility and the lenders we use.
Bridging Finance for the Care Sector
Fast, specialist bridging for care home operators acquiring, refinancing or refurbishing operational care facilities. Lenders who understand CQC registration, occupancy and trading.
Bridging Finance for Hotels & Hospitality
Fast bridging for hotel, pub and hospitality property purchases. Access lenders who underwrite trading income, not just bricks and mortar.
Bridging Finance for HMOs
Bridging finance for HMO investors - purchase and conversion finance with a clear exit onto specialist HMO buy-to-let. Rates from 0.55% pm.
Bridging Finance for MUFB (Blocks of Flats)
Bridging finance for multi-unit freehold blocks - acquisitions, conversions and refinances. Fast capital deployment for competitive block purchases.
Light Industrial & Warehouse Bridging Finance
Bridging finance for industrial property - warehouses, light industrial units and trade parks. Lender-friendly asset class with sharp rates and high LTV.
Retail Property Bridging Finance
Bridging finance for retail property - acquisition, repurposing and refinance. Specialist lenders for high-street, retail park and retail-to-residential conversion.
Leisure Property Bridging Finance
Bridging finance for leisure property - pubs, gyms, restaurants and nightclubs. Access lenders comfortable with operational complexity and trading-based valuations.
Office Property Bridging Finance
Bridging finance for office property - PD conversions to residential, owner-occupier purchases and multi-let office investments.
Refurbishment Bridging Finance
Bridging finance for property refurbishment - light cosmetic works to heavy structural refurb. Up to 100% of works costs alongside the purchase advance.
Pre-Planning Bridging Loans
Bridging finance for land and site acquisitions before planning consent. Specialist lenders who value the land plus a credible view on planning probability.
VAT Bridging Finance
Short-term bridging to fund the 20% VAT due on commercial property purchases pending HMRC repayment. Low risk, low rate, fixed term.
Development Exit Finance
Development exit bridging refinances maturing development finance onto cheaper short-term bridging during the sales period - reducing per-month interest while units sell.
Frequently asked questions
What is a bridging loan and when is it used?
A bridging loan is a short-term property-secured facility, usually 1-24 months, used to 'bridge' a funding gap - for example between buying a new property and selling an existing one, completing an auction purchase within 28 days, breaking a property chain, or funding works before refinancing onto a mortgage.
How much can I borrow on a bridging loan?
We arrange bridging from £25,000 up to £100m+. Typical LTVs are up to 75% on residential, 70% on commercial, and up to 80% on larger prime deals. Second-charge bridging is available up to around 65% LTV.
How fast can a bridging loan complete?
Straightforward cases can complete in 5-10 working days. Complex security, multiple parties, or additional diligence typically adds 1-2 weeks. Valuation and legal turnaround - not lender underwriting - usually drive the overall timeline.
What exit strategies do lenders accept?
The most common exits are (1) sale of the security property or another asset, (2) refinance onto a mortgage, and (3) receipt of expected funds (probate, business cash flow, drawdown of other finance). Lenders stress-test the exit alongside the loan.
What are typical bridging rates and fees?
Rates currently start from around 0.49% per month and rise based on risk, LTV and property type. Expect arrangement fees of 1-2%, valuation fees of £300-£1,500, and legal fees of £1,500-£3,000. Interest can be serviced monthly, retained upfront, or rolled up.