If your client needs a bridging loan, you need a partner 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.
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.
Straightforward bridging finance cases typically complete in 10-14 working days. Faster is possible with a simple security and everything ready up front.
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.
One checklist per lender, no blanket uploads, which means fewer re-underwrites.
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.
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).
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.
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.
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.
Email us directly with your enquiry by clicking here or using our email [email protected].
