Bridging Finance: Short-Term Capital, Delivered At Deal Speed
Fast, flexible property finance for auction purchases, refurbishments, chain breaks and time-critical opportunities — arranged in days when the deal demands it.
Prefer to plan ahead? Book a call online or message us on WhatsApp.How bridging finance works for you
Bridging finance exists for the moments when opportunity moves faster than a mortgage. A property at auction with a 28-day completion, an unmodernised house a term lender won't touch, a chain about to collapse, or a site that needs securing before planning — a bridge buys you the time and the asset.
We arrange regulated and unregulated bridging from £100,000 to £25m+, on residential, commercial and mixed-use property, including land with and without planning. Light and heavy refurbishment bridges fund the works as well as the purchase, with the exit onto a term mortgage or sale.
The exit is where bridging deals succeed or fail, so we start there: every bridge we place has a credible, evidenced route to repayment before it completes.
What clients fund with bridging finance
- Auction purchases on 28-day deadlines
- Light and heavy refurbishment projects
- Chain breaks and time-critical purchases
- Unmortgageable or unusual property
- Raising capital quickly against existing property
Why place it through us
Complex bridging is our home ground: offshore borrowers, adverse credit, title quirks, part-built projects and deals other brokers have returned. Because we know which lender pragmatically underwrites what, we place cases quickly instead of shopping them around.
Every case begins with a conversation, not a form. Call 0800 6120759 or send us the outline and we'll respond within one working day.
Bridging Finance: frequently asked questions
How quickly can a bridging loan complete?
With a responsive solicitor and a straightforward title, 5–10 working days is achievable; two to three weeks is more typical. If you're buying at auction, talk to us before you bid — having terms agreed in advance removes most of the time pressure.
How do I repay a bridging loan?
Through a defined exit: usually the sale of the property or refinancing onto a term product such as a buy-to-let or commercial mortgage. Lenders approve the exit as part of the application, and we'll often line up the refinance at the same time as the bridge.
Do I make monthly payments on a bridge?
Usually not. Most bridging loans 'roll up' or retain the interest, so it's paid when the loan redeems rather than monthly. That protects your cash flow during works, though it does mean the balance grows over the term — something we model with you up front.