Fast, flexible short-term secured loans for property purchases, auction acquisitions, and chain breaks with funds available in days. Our Stoke-on-Trent-based service connects you with specialist lenders who understand the Staffordshire property market.
Bridging finance provides rapid access to secured funding when time is critical. Whether you're purchasing at auction, breaking a property chain, or need quick capital for a time-sensitive opportunity, bridging loans offer the speed and flexibility that traditional mortgages cannot match.
Our bridging finance solutions are designed for both regulated and unregulated lending scenarios, covering residential, commercial, and mixed-use properties. We work with specialist bridging lenders who can make decisions in hours rather than weeks, with completion possible in as little as 5-7 days for straightforward cases.
With retained or serviced interest options, first and second charge facilities, and lending on properties that mainstream lenders won't consider, bridging finance is an essential tool for property investors and developers who need to move fast.
Market Insight: Heritage ceramics industry diversifying. University presence growing. Values offer exceptional yield premium.
Smithfield; Etruscan Square; Unity Walk; city centre transformation
Good appetite for quality development. Residential and industrial supported.
In urgent cases with all documentation ready, we can secure decisions within 24 hours and complete within 5-7 days. More complex cases typically take 2-3 weeks. The speed depends on property type, loan amount, and how quickly you can provide required documentation.
Bridging loans offer retained interest (added to the loan), rolled-up interest (compounded monthly), or serviced interest (paid monthly). Retained interest is popular as it requires no monthly payments, with all interest paid when you exit the loan.
Yes, bridging lenders will consider properties that mainstream lenders reject, including those without kitchens or bathrooms, properties requiring significant refurbishment, short lease properties, and non-standard construction. The key is having a clear exit strategy.
Common exit strategies include sale of the property, refinancing to a term mortgage, sale of another asset, or receipt of inheritance or business sale proceeds. Your exit strategy must be realistic and achievable within the loan term.
Dedicated bridging loan specialists with deep knowledge of the Staffordshire market.
Access to 100+ specialist lenders including those with specific appetite for Stoke-on-Trent.
Member of NACFB. Adherence to strict professional and ethical standards.
Successfully arranged millions in property finance across Staffordshire and beyond.
Provider of non-regulated lending solutions. Your property may be repossessed if you do not keep up repayments on your mortgage.