Bridging finance for every short-term need
The short-term property finance structures we arrange, used alone or in sequence, each built around a clear exit.
We arrange short-term property finance across every situation. A bridging loan funds a fast purchase or a chain break. Development finance funds a ground-up build or conversion in stages. Development exit finance refinances a completed scheme onto a cheaper rate while units sell. Auction finance completes inside the 28-day deadline. Refurbishment finance funds light or heavy works. Bridge-to-let rolls a refurbishment bridge onto a buy-to-let mortgage, and second-charge bridging raises capital behind an existing mortgage. We model the right structure, run it across our lender panel, and place the facility that fits the property, the borrower and the exit.
Bridging Finance
A bridging loan is short-term, property-secured funding that lets you act quickly when a mortgage is too slow, cannot fund the asset or will not stretch to the required term. We arrange bridging finance across the UK for investors, developers, landlords and businesses.
Learn moreDevelopment Finance
Development finance funds the purchase of land or an existing building and the construction costs of a ground-up development or major conversion. We arrange development finance for residential and mixed-use schemes, from single plots to multi-unit sites, with staged drawdowns against build cost.
Learn moreDevelopment Exit Finance
Development exit finance refinances a maturing development loan onto a cheaper, sales-period facility once the build is complete. It takes the pressure off an expiring development loan and gives you the time to sell units at full market value rather than at a discount.
Learn moreAuction Finance
At auction the contract is exchanged the moment the hammer falls. You pay around 10% on the day and have 28 days to complete the balance. Auction finance is built to hit that deadline where a mortgage will not.
Learn moreRefurbishment Finance
Refurbishment finance is a bridging loan built around a property improvement project. It funds the purchase and the works on a single short-term facility, covering everything from a light cosmetic refresh to a structural heavy refurbishment, then exits on a sale or a buy-to-let remortgage.
Learn moreBridge to Let
Bridge-to-let is a two-stage product that combines a short-term bridging loan with a pre-agreed buy-to-let mortgage from the same lender. You bridge to buy and refurbish, then roll straight onto the mortgage without a fresh application. One lender, one process, one exit.
Learn moreSecond Charge Bridging
A second charge bridging loan sits behind your existing mortgage and releases equity from property you own without disturbing your first charge. It is the right tool when you need capital quickly but do not want to remortgage or cannot, because your current rate is too good to leave or because your first lender's early repayment charges make switching expensive.
Learn moreNot sure which finance fits?
Send us the home and the operator and we will tell you what is fundable and how best to structure it.