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Bridging Loan Brokers

If your client needs a bridging loan, you need bridging loan brokers who moves fast.

We arrange short term bridging loans for property purchases, refurbishments, chain breaks and refinances, using first charge, second charge or cross-charge bridging finance. Our bridging finance for brokers covers both residential cases and commercial bridging loans, giving you access to flexible short-term property finance when speed matters.

With access to competitive, market-leading rates, we know how to secure the best bridging loan for each scenario, which lenders can deliver instant bridging loans, and exactly what makes a case lender-ready. That’s how we help brokers place deals with confidence. We’re clever like that.

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What Makes Us So Clever?

Tight timelines and clear exits are where short term bridging loans add real value. We support bridging finance for brokers on time-sensitive purchases, chain breaks and refurbishments, structuring bridging loans across first, second or cross charges, including commercial bridging loans.

We align every deal to a realistic exit, using the best bridging loan for the scenario and, where required, instant bridging loans. If there is no credible exit or the case is better suited to short-term property finance alternatives, we will point you in the right direction.

What We Can Place

  • Access to exclusive, market-leading rates
  • Loans up to £50m
  • Up to 100% LTV
  • Terms from 1–24 months
  • Flexible interest structures (serviced, rolled, retained, or as a combination)
  • 1st, 2nd and cross charges accepted
  • Light and heavy refurbishment projects
  • Staged drawdowns & up to 100% of build costs
  • Residential, commercial, & semi-commercial property accepted
  • Sole traders, LLPs, SPVs, & LTD companies accepted
  • Expat & foreign national lending available
  • Lending in England, Scotland, Wales, & Northern Ireland
  • No exit fees or ERCs (with most lenders)
  • Lend on open market value (with most lenders)
  • Lease extension and short-lease funding available

How Clever Lending Handles A Bridging Loan Case

Straightforward bridging finance cases typically complete in 10-14 working days from our bridging loan brokers. Faster is possible with a simple security and everything ready up front.

Same-Day Sense Check

Send the outline: property and security, amount and leverage, timescale, exit, and any quirks. We’ll come back the same day with target lenders and the likely structure.

Lender-Specific Pack List

One checklist per lender, no blanket uploads, which means fewer re-underwrites.

DIP → Valuation → Offer

We request the signed Decision in Principle (DIP), instruct valuation as soon as the pack lands, and set out conditions in clear terms you can forward to your client.

Legals & completion

We keep legals moving and update you at every part of the process. If a date shifts, you’ll hear it from us first (along with a new date).

What To Have Ready

To help your client move quickly, it helps to have the key details and documents lined up ready.  Here’s what we’ll need to sense-check your bridging finance case and get it lender-ready.

Core Details:

  • Property address and security type 
  • Loan amount, term, and exit strategy 
  • Purchase price or current valuation
  • Works summary if it’s heavy refurbs
  • Borrower background
  • Is the property owner occupied?

Documents:

  • ID and proof of address for all applicants
  • Bank statements (3–6 months)
  • Existing mortgage statements (if applicable)
  • Planning consent or permitted development docs (if relevant)
  • Tenancy agreements or leases (if income-supported)
  • Valuation access details

Bridging Finance Case Studies

Jenny

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Richard

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Stuart

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(Anonymised; figures indicative.)

Clever Lending finance specialists assisting brokers

Speak to Our Bridging Loan Brokers

Need a lender-ready view you can send to your client today? Refer your case and we’ll reply the same working day with a likely route, a lender-specific pack list, and a realistic view of the next 48 hours. If the case doesn’t fit, we’ll tell you immediately and explain exactly why.

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Bridging Loan FAQs

Bridging loan completion times typically complete within 4-8 weeks, although timescales depend on documentation, valuation and legal requirements.

Time-sensitive cases, such as auction purchases or chain breaks, can often complete more quickly when documentation is prepared early.

Acceptable exits include the sale of the asset or a refinance that passes the affordability and criteria.

We will assess the refinance at the outset to ensure it works as a viable exit for the bridging loan and, where required, can also arrange the onward/long-term finance.

Yes. Bridging loan interest is often retained or rolled. However, your client can also service the interest if they meet the affordability criteria.

Yes, in some cases. If a single lender holds the first charge across all properties in the portfolio, a second charge can usually be arranged. But if the properties are held with different first-charge lenders, consent will be required from each lender before a second charge can proceed.

Heavy refurbishment cases require a full schedule of works and are placed with the lender that specialises in this type of project. Funding is typically released in staged tranches, paid in arrears once a quantity surveyor has signed off on the completed works.

The loan is assessed against the property's gross development value (GDV).

This depends on the lender, the property, the loan size and how quickly the loan needs to be completed. Where an AVM (automated valuation model) meets the lender’s criteria, this can be used to speed things up.

If an AVM doesn’t meet the criteria, a full valuation will be required.
For a same-day sense check we typically need the security address and value, loan size and term, the exit strategy, borrower ID, and a brief note on any credit history. For full underwriting we'll need the standard pack (fact-find, ID, proof of deposit, exit evidence and recent statements) plus lender-specific extras. We work to each lender's exact pack list so files don't bounce.
Most bridging lenders accept a procuration fee paid direct to the introducing broker on completion, typically 0.5 to 1.5% of loan, with the option for the broker to charge a separate client fee on top. We agree the introducer fee structure upfront, confirm it on the offer letter, and pay out on the day funds release, fully disclosed to the client.
Yes. Clever Lending is FCA authorised and accepts regulated bridging introductions from appointed representatives, directly authorised brokers and unregulated introducers operating under our authorisation for the regulated transaction. We handle the regulated activity end to end while you retain the client relationship. Clear documentation makes the regulatory boundary obvious to the client and the file.
AVMs are commonly accepted on standard residential security at conservative LTVs (typically up to 60 to 65%), where the property is in a postcode with good comparable data. Higher LTVs, non-standard construction, semi-commercial, commercial and unusual securities require a full valuation. Pre-instructing the valuation when terms are agreed shortens completion by 5 to 10 working days.
Yes. We arrange first, second and cross-charge bridging routinely. Second-charge bridging suits clients who want to capital-raise without disturbing a favourable first-charge rate. Cross-charges over multiple properties can lift overall gearing. The first-charge lender's consent to a second charge is the usual structural step, and we handle the deed-of-priority correspondence between the parties.
Standard cases complete in 10 to 14 working days from submission when packaging is clean and the valuation and legals are pre-instructed. Cases with title issues, second charges, leasehold complications or commercial elements typically run 4 to 6 weeks. We issue a realistic completion timeline at the terms stage so brokers can manage client expectations from day one.
Heavy refurb (structural works, change of use, large extensions) triggers a different sub-set of lenders than light refurb. Lenders fund based on day-one purchase price plus an agreed works tranche released against monitored stage payments. The loan is often sized against gross development value (GDV). A schedule of works, costed contractor quote and contingency provision are core to packaging.
Yes. Most UK bridging lenders accept SPV, trading limited company, LLP and offshore corporate borrowers as standard. Director personal guarantees are usually required. KYC on the corporate structure and ultimate beneficial owners is a standard part of underwriting. We pre-screen corporate structures so packaging matches the lender's KYC expectations before submission.
Each broker case is assigned a dedicated case manager who provides proactive updates at every milestone: terms issued, valuation booked, valuation received, legals issued, conditions cleared, funds released. We also run lender-specific document checklists at submission so files arrive complete first time, removing the most common cause of broker frustration: repeated requests for the same documents.
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