Auction purchases
Complete within the auction deadline, typically 28 days.
Bridging finance
Bridging finance when timing matters
Short-term property finance to buy quickly, break a chain, buy at auction or refurbish before refinancing. Decisions are made on the property and your exit plan.
What we arrange
When bridging finance makes sense
Bridging is a short-term tool. It works best when there's a clear plan to repay it.
Chain breaks
Buy your next property before the sale of your current one completes.
Light and heavy refurbishment
Fund works on properties that don't yet qualify for a mortgage.
Bridge to let or sell
Buy, improve, then refinance onto a term mortgage or sell.
Commercial and mixed-use
Bridging on shops, offices, units and mixed-use buildings.
Business capital raising
Short-term funds secured on property to seize a business opportunity.
At a glance
Typical bridging finance terms
Interest can often be retained in the loan, so there are no monthly payments.
| Loan size | £100,000 to £10 million+ |
|---|---|
| Term | 1 to 24 months |
| Loan to value | Up to 75%, higher with additional security |
| Interest | Monthly rate, often retained or rolled up |
| Exit | Sale of the property or refinance onto a term loan |
Indicative ranges across the lenders we work with. Actual terms depend on the lender, your business, the security offered and status. Finance is subject to lender approval.
Who it's for
- Property investors and developers
- Businesses buying premises at short notice
- Buyers at property auctions
- Owners refurbishing before refinancing
What lenders will usually ask for
- Property details and purchase price
- Your exit plan: sale or refinance
- Schedule of works and costs (refurbishment)
- Details of other property owned and borrowing
How it works
From first call to funds in your account
Tell us what you need
A short enquiry or call about the amount, the purpose and your business.
We build your case
We prepare the figures, security and story in the format lenders expect.
We approach lenders
We go to the lenders whose appetite fits your deal and negotiate terms.
We see it through
We manage valuations, solicitors and conditions until funds are released.
Questions
Bridging finance FAQs
How quickly can bridging finance complete?
Simple cases can complete in two to three weeks. Auction purchases are often done within the 28-day deadline when documents are ready early.
What is an exit strategy?
It is how you will repay the bridging loan, usually by selling the property or refinancing onto a longer-term mortgage. Lenders want to see a realistic exit before they lend.
Can I use bridging finance on my own home?
We arrange bridging for business and investment purposes only, such as commercial property, mixed-use buildings and investment property. We do not arrange bridging secured on a home you or your family live in.
Related finance
Other ways we can help
Commercial mortgages
Owner-occupied and investment property finance.
Find out moreCommercial finance
Business loans, revolving credit and invoice finance.
Find out moreAsset finance
Hire purchase and leasing for equipment and vehicles.
Find out moreNeed to move fast on a property?
Two minutes to enquire. A broker replies within one working day.