Our expert advisers will help you find the best deal on your bridging loan.

We specialise in providing bridging finance for property investment.

We work with a significant volume of property investors and developers and we can provide bridging loans from as little as £50k all the way up to £50m.

Our panel of lenders provide high quality and prompt decisions. Indicative bridging terms will normally be provided within 24 hours, often faster. An agreement in principle can normally be expected within 48 hours, once the initial application form has been processed.

Our advisers are ex-bankers and property investors.
Finance crafted to match your needs perfectly.
Discuss your idea for a project with us and we’ll tell you how to fund it.
  • Fast indicative terms.
  • Prompt decisions from lenders.
  • Competitive rates of finance.
  • Award winning lenders on our panel.
  • Highly experienced team.
  • We put the right deal to the right lender.

Free consultation!

+44(0)8433 308581

Frequently asked questions

Got a question? We have the answer.

What types of properties can you arrange a bridging loan for?

We regularly facilitate bridging loans for the following circumstances:

  • Auction purchases
  • Quick completions required
  • Off market purchases
  • Purchase of standard residential property being converted into HMOs
  • Office to residential conversions.

We work closely with our funding partners to provide a prompt and efficient turnaround. Where we add value is by pushing transactions forwards across the line, we work closely with solicitors, valuers, lenders and other intermediaries to ensure that the transactions complete promptly.

How much can I borrow with a bridging loan?

Bridging loans are typically available from £50k+.

What if I don't pay the bridging loan back by the end of the term?

This depends on the lender, the circumstances and a number of other factors, some lenders will enforce their default rate of interest (which can be very expensive), others will negotiate.

How long will it take to obtain funds for my bridging loans?

Bridging loans can normally be secured from 10 working days up to 6 weeks, depending on the lender and the complexity of the acquisition, and most importantly how quickly the lawyers move.

How long can I have a bridging loan for?

Bridging loans typically start from a minimum of 3 months – most lenders will charge a minimum of 3 months interest regardless of how long you take the money for, up to 18-24 months max.

What rates can I expect to pay for bridging loans?

Bridging loans are increasing competitive with rates starting at around 0.4% per month, plus acceptance fees, plus solicitors fees, plus valuation fees.

Are there any early repayment charges for bridging loans?

Most lenders will have a minimum term of 3 months or at least charge the equivalent amount of interest, shorter time-frames are also available.

Is a bridging loan different to a mortgage?

A bridging loan is typically a short term loan which is normally taken out to acquire or refinance a property. A bridging loan works in a different way to a mortgage, although some characteristics are similar. A bridging loan lender will normally “roll up” interest. This means that the interest is typically deducted from the loan, although in some instances the lender may also add it to the loan.

Is a bridging loan charged against a property?

A bridging loan will typically take a “first charge” over a property, this means that if the terms of the loan are breached that the lender will have the write to enforce their charge, meaning that they can ultimately take ownership of the property, much like a mortgage lender can if you do not keep up repayments.

Why use a bridging loan?

A bridging loan can be a convenient means of securing funding for a property or development project quickly, with most bridging lenders offering terms within 24 hours, and many able to complete within a month of the initial enquiry.

What rates can I get with a bridging loan?

Bridging finance rates have reduced significantly over the past few years, historically most bridging loans were priced at a minimum of 1% per month, plus fees. However, these rates have dropped, with rates now starting at around 0.4% per month plus fees. The primary reason for the drop in bridging finance rates is due to the low interest rate environment and lots of investors chasing yield. In addition lots of institutional money is being provided to bridging lenders via banks, pension funds and other institutional financiers who are also looking for increased returns.

How do I exit a bridging loan?

Most bridging lenders will be very focused on the proposed exit strategy at the time of taking out the loan. They will want to make sure that they have clear visibility as to how they are going to be repaid. This will normally be through one of three methods:

  • The property will be sold.
  • The property will be refinanced, normally based upon an increased valuation for works which may have been carried out during the term of the bridging loan.
  • The bridging loan will be paid off from other funding sources, such as a business sale or other transaction.

What types of bridging loans are there?

There are a number of different types of bridging loan, these include:

  • Interest rolled up.
  • Interest payable up front.
  • Light refurbishment bridge – no structural works to be carried out.
  • Heavy refurbishment bridge – allows for structural works to be carried out.

What are the typical costs associated with bridging loans?

Bridging Finance Costs will vary depending on the level of loan to value “ltv” that you require, typically the higher the loan amount against the value of the property the higher the cost. Rates typically start at around 0.4% per month.

Additional costs that investors and developers need to consider include:

  • Acceptance fees.
  • Broker fees.
  • Exit fees.
  • Valuation fees.
  • Legal fees.


Leverage potential through property.
  • Highly experienced bank trained team.
  • £1bn+ of assets funded to date.
  • Large panel of lenders.
  • Property experts.

+44(0)8433 308581