Quick Bridging Finance

We can complete bridging loans in as little as 5 working days from application. For urgent cases, we've even achieved completions in 72 hours. The speed depends on having all documentation ready and a straightforward property valuation. Our team works directly with lenders to fast-track your application.

Unlike traditional mortgages, bridging loans require minimal documentation. Typically, you'll need proof of ID, proof of the property ownership or sales agreement, evidence of your exit strategy (how you'll repay the loan), and a basic application form. We don't always require accounts or proof of income, making the process much faster than conventional lending.

Yes, bridging loans are asset-based rather than credit-based. Lenders focus primarily on the property value and your exit strategy rather than your credit score. We work with specialist lenders who consider applications from people with CCJs, defaults, or even recent bankruptcies. Each case is assessed individually based on the overall strength of the deal.

Bridging loan rates typically range from 0.4% to 2% per month, depending on the loan-to-value ratio, property type, and exit strategy. While these rates are higher than traditional mortgages, remember that bridging loans are short-term solutions designed for speed and flexibility. Many of our clients find the cost worthwhile to secure time-sensitive opportunities.

Yes, 100% bridging finance is possible if you have additional security. For example, if you own another property with sufficient equity, this can be used as additional security for the loan. We've arranged many 100% deals for property investors and developers who need to move quickly on opportunities without using their own capital upfront.

You'll need to repay the bridging loan through your exit strategy. Common exit strategies include selling the property, refinancing to a traditional mortgage, selling another property, or receiving funds from another source. We help you plan your exit strategy from day one and can assist with refinancing if needed. Extensions are sometimes possible if your circumstances change.

Almost any property type can qualify including residential homes, buy-to-let properties, commercial buildings, mixed-use properties, land with planning permission, properties requiring renovation, and even unusual properties that traditional lenders won't consider. We've funded everything from derelict buildings to luxury hotels.

Bridging loans for residential properties that you or family members will live in are regulated by the FCA. Investment and commercial bridging loans are typically unregulated, offering more flexibility and faster processing. We are authorised and regulated by the Financial Conduct Authority for credit broking purposes, ensuring you receive appropriate guidance throughout your application.