Property Bridging Finance Made Fast And Simple

Short-term, interest-only funding secured against property. It bridges the gap until you sell or refinance, with fast access to cash and repayment due at exit - often with no early-repayment penalties.

A property finance bridge is perfect for:

• Auction purchases - complete within tight 28-day deadlines.
• Chain breaks - secure your next property before selling your current one.
• Refurbishment - fund works before refinancing or sale.
• Refinance or equity release – cover expiring facilities or unlock cash.
• Planning uplift – buy, enhance, refine consent, and refinance at higher value.

For straightforward cases:

• Indicative terms – usually provided within days of lender submission.
• Valuation & legal checks - typically within 5-10 working days.
• Funds released - within days once lender, valuation and legal due diligence completed.

Speed depends on valuation method, solicitor turnaround, and a clean title.

Applications are assessed on four key factors: the People involved, the Quality of the asset, the Purpose of the funds, and the Exit strategy.

• • Typical leverage up to 85% LTV - higher possible with additional security.
  • Works-based projects - lenders can assess loans against GDV (gross development value).
  • Loan size - commonly ranges from £50k to £25m+.

Bridging loans are priced monthly rather than annually. Your total cost depends on LTV, asset, purpose, term, borrower profile and exit. Here’s what to expect:

• Monthly Interest, often with a minimum interest period (e.g. 1-3 months)
• Arrangement fee (normally 1-2% of the total facility)
• Valuation & legal fees, plus title insurance costs (if used)
• Typically, no exit fee (product-dependent)

• Residential property - newly built schemes (often referred to as a Development Finance Exit), single units, portfolios, land with outline planning
• Commercial property - offices, industrial, retail, leisure, mixed-use and portfolios though not an exhaustive list
• Mixed-use assets (sometimes referred to as semi-commercial)
• Additional security second charges and other properties can increase leverage. 
• Personal or corporate guarantees and debentures are generally standard. 

Your exit is how you’ll repay the bridge - usually through the sale of the property or refinance to a longer term facility or building out the scheme via development finance. Lenders want evidence that the exit is realistic (e.g., terms from a lender, sales comparable, marketing plans). A credible exit is the  single most important approval factor.

Yes. Lenders fund light, medium or heavy refurb and conversion projects. Facilities can include staged drawdowns against a schedule of works, with funds released against surveyor or asset manager sign-off. Interest can be serviced, retained or rolled-up.

In many cases, yes. Bridging lenders typically focus on the asset and the exit strategy. Strong asset security (with alternative uses or in high demand), a lower loan-to-value (LTV) ratio, and a clear exit plan can help offset previous credit issues. However, you will still need to pass AML/KYC checks and demonstrate the ability to cover any serviced interest (where applicable). 

Have these ready to speed things up:

• Borrower/key individual details & experience
• Property info: addresses, planning consent, sales particulars, rent schedule (where applicable)
• Refurb schedule & costs, plus planning evidence if needed
• Exit evidence: AIP/terms for refinance, comparable sales, or agent letter
• Bank statements & assets/liabilities for key individuals
• Recent professional valuation (if available)

Yes, what you’re describing is often referred to as a “sales or development exit facility”. Essentially, it allows you to hold onto the property or units after completion without being forced to sell immediately, and then drawdown funds or repay the facility when a suitable offer comes in.

You’ll need to demonstrate refurbishment/development completion and evidence of the potential sale value (i.e. previous professional valuation and current agent sales forecasts) and a reasonable timescale for selling the whole site or refinancing on to long-term mortgage with reputable lender.