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0800 316 2224
Decision in principle within 24 hours. A named adviser from the first call. No fees until we have found you a solution.
Four questions. Everything else is a conversation.
Prefer to talk now? Call 0800 316 2224. You will get an adviser, not a call centre.
Sent outside Mon to Fri, 9am to 5.30pm? We call first thing on the next working day.
Trusted by borrowers and by the lenders themselves. Clever Lending is one of the specialist packagers that supplies completion data to the Bridging Trends industry report every quarter.
Four situations we arrange bridging for every week. Find yours.
You found the right house and the chain collapsed under you. A bridge completes your purchase now and is repaid when your sale goes through. You move. The chain’s problem stops being yours.
28 days to complete. No extensions. We arrange auction bridging around that date, and if you bid regularly we can line funding up before the next sale so you bid with certainty.
A tired property at a good price. A bridge funds the purchase and the works, then you sell at the higher value or refinance onto a cheaper mortgage. We will tell you if development finance fits better before anything is signed.
No kitchen, no bathroom, short lease, change of use mid-project. Mainstream lenders walk away. Bridging lenders look at the property’s value and your exit, not the state of the decor.
If your situation is not on this list, call anyway. The first conversation is free and we will tell you quickly whether bridging is the answer.
The market average bridging completion is around 53 days. Our simple, well-prepared cases complete in 7 to 14 working days because we run valuation and legals side by side instead of one after the other.
No call centre, no triage team, no being passed around. You get a named specialist who answers the phone, gives you honest timings and tells you first if anything changes.
Your consultation and quote are free. Our broker fee is only charged once we have found you a workable solution. If bridging is wrong for you, we say so.
Not sure where you fit? Call 0800 316 2224 and find out in five minutes.
Bridging costs more than a mortgage. It is shorter, faster and secured on properties mortgages will not touch. In 2026 monthly rates typically run from 0.55% to 1.5% depending on loan-to-value, property type and credit profile, with the market average around 0.82% a month.
On top of interest, budget for an arrangement fee of 1 to 2% (usually added to the loan), a valuation fee, legal fees, and in some cases an exit fee. We steer you towards lenders without exit fees where it matters.
Compare quotes on total cost over your expected term, not the headline rate. We will show you the total before you commit to anything.
Before valuation and legal fees. Repay early and you only pay interest for the months you use, on most lenders’ terms.
Tell us the property value, the amount, your deadline and any quirks. You get a clear plan, the likely structure and a realistic timeline the same working day. Not a sales pitch.
We secure your DIP within 24 hours, instruct the valuation immediately, using an automated valuation where the case qualifies, and set out any conditions in plain English.
We chase the legal work so you do not have to. If a date moves, you hear it from us first, with the new date. Funds released. Deadline met.
Funds in 7 working days. Refinanced onto a buy-to-let mortgage in month three.
Purchase completed while the old home was still on the market. Loan redeemed in three months.
75% purchase bridge, works completed, refinanced onto a lower-cost mortgage on completion.
Anonymised, figures indicative.
Most simple cases complete in 7 to 14 working days. A decision in principle inside 24 hours is normal. Funds inside a week are possible where the lender accepts an automated valuation and the legal pack is clean.
Often, yes. Bridging is secured on the property and your exit rather than your credit score, so defaults and CCJs do not automatically block a deal. The rate will reflect the risk.
Not always. On unregulated bridging the interest can be rolled up or retained, so there is nothing to pay monthly and no income to evidence. Bridging secured on your own home is regulated and still needs affordability checks.
Sale of the property, refinance onto a longer-term mortgage, an inheritance, a business sale or another asset sale. If you can evidence it, we can usually place it.
Nothing. The consultation and quote are free and you are under no obligation. Our fee is only charged once we have found you a solution you want to proceed with.
Send a quick enquiry and you will hear back within 24 business hours with a clear, realistic route forward. Or a straight “this isn’t the right product”, if that is the truth.
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