Bridging finance is a short-term loan where an exit strategy is in place within the next 12 months.

Whether you need a bridging loan for a day or a year, for a chain breaking facility, or for property acquisition and development, we will act quickly to arrange the most competitive bridging finance available in today’s marketplace, to provide you with the funds quickly.

Your credit history may not be a problem to access to bridging finance funds.

Stage payment options are usually available, which allows you to obtain funding at various stages of their development, are also available.

It is sometimes possible to include all fees (except initial valuation fee) and interest costs within the loan, which means that monthly payments can be avoided, helping your cash-flow.

Bridging finance can be used for:

Bridging finance
Some of the bridges we are unable to arrange finance on. Sometimes, even we are beaten !
  • Property development
  • Buying at Auction
  • Investment property
  • Business acquisition
  • Land acquisition
  • Chain breaking
  • Tax liabilities
  • Probate delays
  • Bankruptcy/Insolvency

It may be possible to arrange 100% funding, with additional security provided.

How does ‘bridging finance’ work?

Bridging lenders assess the viability of your proposition based on three main considerations:

1) Valuation – Generally a lender will use the ‘open market value’ of your property, rather than the ‘forced sale value’ or the purchase price. Use of this ‘built-in equity’ can potentially reduce the capital that you will need to provide in order to purchase the property or fund its development.

2) Interest – is usually ‘rolled-up’ or ‘deducted’ from the advance, hence monthly payments can be avoided, which assists cash-flow, and usually eliminates the necessity of having to prove income via salary slips or accounts.

3) How you will ‘exit the bridge’ – the exit strategy is key to all bridging finance deals. This is a short term funding facility and should be treated as such, therefore we always discuss your intended exit strategy, which may include the sale of the property (or separate security property), or the provision of a ‘normal’ longer term mortgage, which we, of course, are also able to arrange for you.

Whatever your proposition may be, contact us to discuss your requirements in complete confidence.


Bridging finance is not regulated by the Financial Conduct Authority.