How fast can bridging finance complete?

Straightforward cases can complete in 5–10 working days; some lenders can move faster where a valuation is already available and legal work is simple.

What exit strategy do bridging lenders accept?

The most common exits are sale of the property or refinance onto a term mortgage. Lenders need to see a realistic, evidenced exit before agreeing the facility.

Is bridging finance only for property?

Bridging is mostly secured against residential or commercial property but can also be used to fund auction purchases, chain breaks, refurbishment, tax bills or short-term business cash needs.

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Bridging Finance for UK Businesses and Investors

Fast, short-term property finance to secure a purchase, complete at auction or release equity while a longer-term solution is put in place.

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What can bridging fund?

Auction purchases with 28-day deadlines
Chain breaks and time-sensitive completions
Light and heavy refurbishment projects
Unmortgageable property until it is let or sold
Equity release for business cash flow or tax bills
Land purchase ahead of planning or development finance

Who can we help?

Property investors and developers
Businesses buying premises quickly
Landlords refurbishing before refinancing to BTL
Companies needing short-term liquidity secured on property
Borrowers with a clear sale or refinance exit

How much can you borrow?

Up to 75% LTV

From £50,000 to £25m+ over 3–24 months. Interest is usually rolled up or retained so there are no monthly payments; you repay in one sum when the property sells or refinances. Second-charge and cross-charge structures are available.

How quickly can funding be arranged?

Funds in 5–10 working days

Terms are often issued the same day. With a desktop valuation and a proactive solicitor, straightforward cases can complete inside a week; complex or multi-property deals take two to three.

Underwriting

What do lenders look for?

Knowing what underwriters weigh up lets us present your case properly the first time, which means faster decisions and better terms.

01A credible, evidenced exit strategy
02Property value, type and location
03Loan-to-value and any additional security
04Experience with similar projects
05Clean legal title and a responsive solicitor

FAQ

Bridging Finance questions

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