Bridging finance across the UK

Bridging finance is won or lost on the exit and the speed. A lender will only complete if the repayment route is credible: a confirmed sale, a refinance onto a buy-to-let or commercial mortgage, or the completion of a development. Knowing how lenders read an exit, how they treat the security, and where retained interest bites is the difference between a deal that funds and one that stalls.

We work with property investors, developers, landlords and businesses on transactions from around one hundred thousand pounds upward. We arrange the bridging loan that moves at auction pace, the development finance that funds a ground-up build or heavy conversion, the development exit facility that clears a facility when sales are slow, the refurbishment finance that funds a light or heavy refurb, and the second-charge bridge that raises capital without disturbing a first charge.

Sitting across more than one hundred lender relationships, we match each case to the desks that actually back it. Indicative rates average around 0.88% a month (Bridging Trends, 2025), average LTV around 60%, average term about 12 months, and average completion around 55 days. The right lender for your transaction depends on the security, the exit and the borrower profile. Finding that fit is the work.