Bridging Loan

Bridging loan

We arrange Residential, Commercial, Development, Personal, Auction and Agricultural bridging loans as a short-term finance solution for individuals and companies who need to access funds fast.

We consider all types of credit history including bad or adverse and don't perform automated credit checks so there's no footprint from enquiring.

We've incredible relationships with all the UK's top lenders including specialist lenders, family offices and private investors, so we can source the funds you require, completing within 3 days for loans below £200k, and within 14 days for loans up to £250m.

Arrange a call with our experts today and get the best no obligation quote.

Get a FREE no-obligation bridging loan quote

Use the quick enquiry below to obtain an accurate cost of a bridging loan.

Our Bridging Loan Solutions…

Bridging Finance

Bridging
Finance

We're experts in niche, specialist, complicated secured financing, priding ourselves on being able to get the right deal for property investors, developers and business owners to help them achieve their goals.

Rates:From 0.44%

Charges:1st, 2nd & 3rd

Value:£26,000 up to £250m

LTV:Up to 80% (100% with additional security)

Terms:From 1 - 24 months

Security:Residential & commercial land & property

Fees:No exit fees, no ERCs

Discover more
Auction Finance

Auction
Finance

We offer rapid auction finance enabling you to take advantage of opportunities as they arise from buy to lets (BTLs), development, land & commercial properties.

Rates:from 0.44%

Charges:1st & 2nd

Value:£26k - £25m

LTV:Up to 80%

Terms:From 1 - 24 months

Security:Residential, commercial & semi-commercial property

Fees:No exit fees, no ERCs

Discover more
Bridge To Let

Bridge To
Let

We offer rapid bridge to let finance enabling landlords & investors take advantage of BTL residential property opportunities to extend their portfolio.

Rates:from 0.44%

Charges:1st charge only

Value:£26k - £250m

LTV:Up to 80% (100% with additional security)

Terms:From 1 - 24 months

Security:Residential property

Fees:No exit fees, no ERCs

Discover more
Commercial Bridging Loan

Commercial Bridging
Loan

We arrange commercial bridge finance as a short-term funding solution for improved cashflow, machinery purchase, land purchase, renovation & refurb projects.

Rates:from 0.75%

Charges:1st & 2nd

Value:£26k - £250m

LTV:Up to 65%

Terms:From 3 - 24 months

Security:Residential, commercial & mixed use

Fees:No exit fees, no ERCs

Discover more
Land Bridging Loan

Land Bridging
Loan

We assist property developers and investors obtain fast short-term secured funding to enable acquisition involving time-critical opportunities.

Rates:from 0.75%

Charges:1st & 2nd

Value:£50k - £250m

LTV:70% with planning, 50% without, 100% with additional security

Terms:From 1 - 24 months

Security:Land or additional property

Fees:No exit fees, no ERCs

Discover more
Property Conversion Financing

Property Conversion
Financing

We help property investors and developers arrange finance for property conversions and heavy renovations including 100% of build costs.

Rates:from 0.44%

Charges:1st & 2nd

Value:£50k - £25m

LTV:Up to 100% with additional security

Terms:From 3 - 24 months

Security:Residential & commercial property

Fees:No exit fees, no ERCs

Discover more
Property Refurbishment Loans

Property Refurbishment
Loans

We help arrange financing for light property refurbishments suitable for investors, landlords, developers, businesses and SPVs. All credit histories considered.

Rates:from 0.44%

Charges:1st & 2nd

Value:£26k - £25m

LTV:Up to 100% with additional security

Terms:From 1 - 24 months

Security:Residential & commercial property

Fees:No exit fees, no ERCs

Discover more
Self-Build Bridging Loan

Self-Build Bridging
Loan

We help aspiring self build realise their property development potential throughout the UK.

Rates:from 0.44%

Charges:£50k - £25m

Value:£50k - £25m

LTV:Up to 65% (100% with additional security)

Terms:From 6 - 24 months

Security:Residential property

Fees:No exit fees, no ERCs

Discover more
Rebridging Loan

Rebridging
Loan

Projects sometimes over run, properties can take longer to sell, we help those nearing their term end re-bridge their loans to best meet their goals.

Rates:from 0.44%

Charges:1st & 2nd

Value:£26k - £250m

LTV:Up to 75%

Terms:From 1 - 24 months

Security:Residential & commercial property

Fees:No exit fees, no ERCs

Discover more
Farm Finance

Farm
Finance

From diversifying, new plant or machinery, livestock purchasing, generational transfers to property development our loans release the cash to achieve your goals.

Rates:from 0.75%

Charges:1st & 2nd

Value:£50k - £250m

LTV:Up to 70%

Terms:From 3 - 24 months

Security:Residential, agricultural property & land

Fees:No exit fees, no ERCs

Discover more
Urgent Bridging Loans

Urgent Bridging
Loans

When you need funds fast we can arrange urgent emergency financing in as little as 3 days for loans up to £200,000. All circumstances considered and same day decision in principle.

Rates:from 0.44%

Charges:1st, 2nd & 3rd

Value:£26k - £200k

LTV:Up to 80%

Terms:From 1 - 12 months

Security:Residential property

Fees:No exit fees, no ERCs

Discover more
Residential Bridging Loan

Residential Bridging
Loan

We help arrange fast, flexible short-term lending, usually for 24 months or less using your residential property or group of properties as security.

Rates:from 0.44%

Charges:1st & 2nd

Value:£26k - £250m

LTV:Up to 80%

Terms:From 3 - 24 months

Security:Residential property

Fees:No exit fees, no ERCs

Discover more
Business Finance

Business
Finance

We help UK SMEs access the funds they require for a multitude of purposes from cashflow, stock, expansion, or to facilitate a new opportunity.

Rates:from 0.75%

Charges:1st & 2nd

Value:£26k - £250m

LTV:Up to 75%

Terms:From 3 - 24 months

Security:Residential & commercial property

Fees:No exit fees, no ERCs

Discover more
Tax Bridging Loan

Tax Bridging
Loan

We arrange tax loans to individuals and businesses to settle time-critical debts and tax demands, such as inheritance tax, capital gains, income tax or if you're a company corporation tax. 

Rates:from 0.44%

Charges:1st & 2nd

Value:£26k - £50m

LTV:Up to 75%

Terms:From 1 - 24 months

Security:Residential, commercial & mixed use

Fees:No exit fees, no ERCs

Discover more
Second Charge Loans

Second Charge
Loans

We can arrange a second charge bridging loan for those who already have a mortgage secured against a property but require further short term funds.

Rates:from 0.75%

Charges:2nd

Value:£26k - £50m

LTV:Up to 65%

Terms:From 3 - 24 months

Security:Residential & commercial property

Fees:No exit fees, no ERCs

Discover more
100% LTV Bridging Loan

100% LTV Bridging
Loan

If you're buying a property under the market value or wish to offer additional security to raise 100% then we're ready to help.

Rates:from 0.44%

Charges:1st

Value:£26k - £25m

LTV:100%

Terms:From 1 - 24 Months

Security:Residential property

Fees:No exit fees, no ERCs

Discover more
Divorce Settlement Loans

Divorce Settlement
Loans

If your property sale is taking longer than expected or where there's an urgency to live separately a short-term bridge loan could be the answer. 

Rates:from 0.44%

Charges:1st & 2nd

Value:£26k - £25m

LTV:Up to 80%

Terms:From 1 - 24 months

Security:Residential property

Fees:No exit fees, no ERCs

Discover more
Probate Loans

Probate
Loans

Our probate loans are quick to arrange and can help you raise cash from the estate to pay inheritance tax (IHT), split amongst beneficiaries, pay off debt, legal fees before you're able to access your inheritance.

Rates:from 0.85%

Value:£26k - £25m

LTV:Up to 70%

Terms:From 1 - 24 months

Security:None

Fees:No exit fees, no ERCs

Discover more
Fast Bridging Loans

Fast Bridging
Loans

We're specialists in fast bridging loans and can arrange finance in a market-leading 3 days for loans up to £200,000 when secured on UK property or properties.

Rates:from 0.44%

Charges:1st & 2nd

Value:£26k - £750k

LTV:Up to 80%

Terms:From 1 - 24 months

Security:Residential property

Fees:No exit fees, no ERCs

Discover more
Large Bridge Loans

Large Bridge
Loans

Our large bridging loans are suitable for both residential & commercial purposes, geared to providing a minimum of £1,000,000 of finance up to a value of £250,000,000.

Rates:from 0.44%

Charges:1st, 2nd & 3rd

Value:£1m - £250m

LTV:Up to 80%

Terms:From 3 - 24 months

Security:Residential & commercial property

Fees:No exit fees, no ERCs

Discover more
Small Bridge

Small
Bridge

Up to £750k available in 3 to 7 days! Our lenders keep fees & fuss to a min using in-house valuations & dual rep solicitors. Suitable for individuals & businesses.

Rates:from 0.44%

Charges:1st, 2nd & 3rd

Value:£26k - £750k

LTV:Up to 80% (100% with additional security)

Terms:from 1 - 12 months

Security:Residential property

Fees:No exit fees, no ERCs

Discover more
Cashflow Loans

Cashflow
Loans

Cashflow loans available for business use including stock/plant/machinery investment, pay sub contractors or hire new employees, purchase property, settle tax liabilities or literally just for cashflow.

Rates:from 0.75%

Charges:1st

Value:£26k - £250m

LTV:Up to 80% (100% with additional security)

Terms:From 3 - 24 months

Security:Residential & commercial property

Fees:No exit fees, no ERCs

Discover more

Bridging Loan Lending Criteria

Loan to value (LTV) Up to 80% maximum 
Loan term 1 to 24 months
Loan amount £26,000 up to £250m
Interest options Rolled-up, retained or serviced
Interest rates From 0.44%
Decision Immediate decision in principle
Completion 3 days to 2 weeks
Early repayment fees None
Availability Secured on assets in UK & Europe
Individuals, Companies, SPVs
No credit & adverse credit considered
Exit strategy Sale or refinance

What's a Bridging Loan?

Bridging loans help you access short-term finance and can be used for almost any purpose. As the name “bridge loan” suggests, to “bridge the gap” between this and a longer-term financial solution.

Find the best bridging finance rates right here!

Get expert assistance today, we're on hand to answer any questions about bridging loans.
To find out the exact costs of a loan 
get a quote online - it takes just 3 minutes!

Call our friendly team on 01202 612934, we're ready to help.

What is a bridge loan?

A bridge loan, or bridging loan, is a type of short-term funding over terms of between 1-24 months used to finance the gap between a purchase & arranging or being able to arrange a longer-term source of finance. 

This type of lending is most commonly used to fund an individual’s property needs amongst the real estate market where they may be seeking funding to buy a house for example, whilst waiting for the sale of another to go through.

Bridging loans can be used for lots of reasons but most commonly used for buying properties, developing, renovations or refurbishing properties, buy-to-let investments, tax bills, business ventures & divorce settlements. Bridging loans are also used by those in the property development business who need to make large secured payments at short notice such as auction purchases.

How much can I borrow?

Bridging loans are a way to borrow money against the equity you have in a property. Whilst the LTV (loan-to-value) ratio will determine how much you can borrow up to, our usual lending ranges from £26,000 to £25 million. For residential properties, you can usually borrow up to 80% of the property's value, minus any outstanding mortgage. For commercial properties you can usually borrow up to 65% of the property's value, again minus any outstanding mortgage.

What LTVs do you offer?

Whilst our normal LTV is usually up to 80% as a 1st charge, in some circumstances its possible for us to fund up to 100% with additional security, such as a second property, to achieve the loan amount you require. 

Our standard LTVs are as follows:

  • Development finance - up to 75% LTV (100% Funding with extra security) & 100% Build cost funded
  • Residential property - up to 80% LTV
  • Commercial property - up to  65% LTV
  • Land with planning - up to 70% LTV
  • Land without planning - up to 50% LTV

You can find out more about our bridging loan rates or arrange a call with us to discuss your specific requirements.

What terms do you offer?

Most bridging loans taken out with us are for a period of 1 month up to 24 months, however we're flexible so if your requirements differ then its worth getting in touch.

Who do we lend to?

Our loans are currently available to individuals, companies, SPVs, trusts and other organisations that have property assets within the United Kingdom. We're able to provide our loans to both UK and foreign nationals.

Is a bad credit an issue?

No, generally speaking an adverse credit history is not an issue. We're able to lend where the borrower has bad, adverse or no credit history. Remember we make our lending decisions on a case by case basis and your specific circumstances and will always try and secure the funding you need.

1. Your enquiry

First things first there's several ways you can get in touch with us to tell us about your requirements. You can complete an online application enquiry, request a call back, email your requirements to info@finbri.co.uk or call us during office hours on 01202 612934

2. Free no obligation consultation

Speak with one of our experts for a free no-obligation consultation where you outline why you want a bridge loan, how long you'll need it for and how you'll be able to repay it. We'll also answer any questions you'll have.

3. The offer

We'll package up your specific requirements in the most appealing way to our lending panel to secure the best rate possible. We'll then present you with the cheapest loan from the lending panel outlining all fees and lending criteria. If you're happy with our offer, simply sign it and email it back to us.

4. Valuation

We will instruct a RICs surveyor to value all properties you've offered as security against the loan. Depending on the property type we may complete a desktop valuation which is 100% remote enabling very fast turnaround times.

5. Solicitors

If the valuation report supports the loan then we'll contact your solicitor and proceed as per the terms agreed, we will then issue the mortgage deed for your witnessed signature and complete the paper work.

6. Completion

Once our solicitor is in receipt of all required info and supporting documents, we're ready to complete. Within 24 hours of receipt of the title report, we'll transfer the funds to your solicitor and complete the transaction.

What are broker fees?

If you're using a broker like Finbri, broker fees pay for our work in understanding your case, presenting your case to our specialist lenders, assisting with the loan application, reviewing the bridging loans or development finance options for you and sourcing the best solution for you. Typically a broker fee is 2% of the total loan.

What are facility fees/arrangement fees?

Facility fees, also sometimes referred to as an arrangement fee are paid to the lender for providing the facility of the loan. Typically its 2% of the total amount loaned but may vary from provider to provider.

What are valuation fees?

Valuation fees will vary depending on the property value that is used as security, what type of property it is ie. Commercial or Residential as you may need a different company who specialises in the specific property type and the location of the property. As a very rough idea it costs approximately £2 per £1,000 of the property value. Since the COVID-19 pandemic there has been an increase in something called a Desktop Valuation which doesn't involve an actual valuer visiting the property. These can sometimes be offered where the property being valued is a straight-forward residential asset.

What is the administration fee?

As the title suggests there's an amount of administration that is required with every loan, for admin activities required from application to completion. These are typically no more than £500 in total. 

What's a redemption fee?

The lender may charge a redemption fee due to the costs associated with the administration for actually removing the 'charge' over the property or properties that were used as security. This fee is typically £200 or so depending on the loan provider.

What are solicitor fees?

For obvious reasons lenders use solicitors when arranging and securing a charge over a property. This fee for drawing up legally binding contracts etc is always charged onto the borrower.

Will all the fees be clear?

All the fees that you will incur will be given to you in a clear and transparent manner so that you always understand exactly what you're being charged for and why. These are always shown in the terms of the loan proposal. No broker or lender should be anything less than transparent.

What types of property can a bridging loan be secured on?

Bridging loans be secured on all types of property including:

  • Houses
  • Bungalows
  • Maisonettes
  • Flats or Apartments
  • Self Builds
  • Development project
  • Restoration projects
  • Commercial or mixed-use

Why use a bridging loan broker?

We offer experience-based, impartial information, accessing quotes from the whole of the market to ensure your rate is as low as possible for your specific circumstance. We're experts in the complicated and package your requirements in such a way that our lending panel understands and are able to lend against.

Are bridging loans a secured loan?

Yes, they're a type of secured loan. This means in order to get a bridging loan to borrow money, the bridging loan will be typically secured upon:

  • residential property 
  • commercial property
  • land

Are bridging loans based on income?

Most bridging loans are not based on income, but rather on the value of the property upon which the loan's secured.

Are bridging loan regulated or unregulated?

Bridging loans can be either regulated by the Financial Conduct Authority (FCA) or unregulated depending on whether they're secured against your home (also referred to as being your main or primary residence). 

What's a regulated bridging loan?

regulated bridging loan is one that's secured against the borrower's home. Bridging finance that's secured in this way is regulated by the financial conduct authority. 

What's an unregulated bridging loan?

An unregulated bridging loan is one that's not secured against the borrower's home. Bridging finance that's not secured in this way is not regulated by the financial conduct authority. 

What bridging loan interest rates should I expect?

The interest rates for bridging loans vary depending on the lender, but they typically range from 0.45% to 4% per month depending on your specific circumstances. Its always recommended that you call us for the latest interest rate - they are subject to change.

What can I use a bridging loan for?

Bridging loans can be used for almost any purpose, typical uses include to buy a property in one form or another such as:

  • Bridge to let - using to purchase a Buy-to-let property
  • Auction finance - using to purchase a property at auction 
  • Buy land - using a bridge to purchase land (residential, commercial or agricultural land)
  • Property chain breaks - residential bridging to save a property chain from falling apart.

Non-property purposes include:

  • Raising cashflow for business/commercial uses: to pay tax, purchase equipment or stockinvest in infrastructure or fund a management buy out.
  • Raising cashflow for personal use as short term finance: When refused credit from high street lenders, to pay for unexpected bills, to pay inheritance tax through probate.

What is a closed bridging loan?

A closed bridging loan is used to describe a loan where the exit strategy for the loan is clear from the outset. This means the borrower knows exactly how they will repay the loan to the lender at the end of its term.

What is an open bridging loan?

An open bridging loan generally wouldn’t be a specific exit strategy, or the ext has no set date when the bridging loan is taken out.

Can I buy an uninhabitable property using a bridging loan?

Yes, bridging loans can be used to buy uninhabitable property such as one that is in need of repair or is missing a bathroom or kitchen. They can also be used for property which is unmortgageable for other reasons such as a property having a short lease.

What's a typical unregulated loan facility?

Typical unregulated loans share these characteristics:

  • Same day decisions in principle (DiPs)

  • Immediate written terms provided

  • Loans from £26,000 to £250m

  • Rapid funding (from 3 working days)

  • Term lengths up to 24 months

  • Rates from 0.45% per month

  • LTV up to 80% of Open Market Value

  • No proof of income

  • Company, partnerships and individuals

  • Valuations not always required

  • Desktop valuations available in some instances

  • Dual legal representation available in some circumstances to speed up loan completion

  • Adverse credit history

  • Open to non UK residents

  • All types of property and land

  • Complicated cases a speciality

  • 1st, 2nd, 3rd charges available

Questions to ask your broker

Questions to ask a bridging loan broker about interest:

  1. Is interest calculated monthly? (or daily?)
  2. Is the interest the same throughout the whole loan term?
  3. Is there a charge in the interest rate if I default, if so what is it? 
  4. Are there any charges applied for a late payment during or at the end of the loan term. If so, are these backdated to the beginning of the month or even from start of the loan?
  5. Is the interest rate you've been given specific to you or is it a general ‘rates from…’?

Questions to ask a bridging loan broker about product fees

  1. Is there an arrangement fee, if so what is it?
  2. Do exit fees apply, if so what are they?
  3. If exit fees apply are they based on the loan amount?
  4. If you exceed the loan term what fees are applied and what are?
  5. Is there broker or packager fee?
  6. Are insurance fees are being charged, if so what are they?
  7. Is there an Asset Manager Fee, if so what is it? 
  8. Are there any other fees are in the small print?

Questions to ask a bridging loan broker about property valuations

  1. Are there valuation fees, if so what are they and are you marking up the valuation fee?
  2. Is the loan-to-value (LTV) of the loan based on Open Market Value or ‘90 day’ valuation?
  3. If offered a ‘Free Valuation’ are you actually paying a valuation indemnity insurance premium instead that often exceeds the cost of a valuation and you do not benefit from an independent RICS survey of the property?

Questions to ask a bridging loan broker about legals

  1. If you are offered ‘free legal’ - what indemnity insurance premiums are you being asked to pay for?
  2. Does the legal price quoted include disbursements?
  3. Is a separate title indemnity premium charged?
  4. Does the lender accept search indemnities or do they have to wait for them to be provided?
  5. How quickly can the lawyers turn the paperwork around?

Questions to ask a bridging loan broker about the term

  1. Is a minimum interest period applicable if you pay back the bridging loan early?
  2. Where the term less than 12 months and should you exceed the term, what fees and what interest rate is applied?
  3. Are you free to make repayment early without penalty?
  4. What default fees apply if you exceed the agreed term?

Questions to ask a bridging loan broker about how quickly the bridging loan can be mobilised

  1. Is the lender able to complete this specific bridging loan in 7-10 days?
  2. What delays do you envisage with my bridging loan and how can I avoid these delays?
  3. Does the lender have valuer/lawyer service level agreements in place?
  4. What experience does your lender have in your type of project?
  5. How long has the lender, valuer and legal representative been operating?
  6. Do you have a personal named point of contact who will make decisions without having to refer to credit committees?

Some of our lending partners

Acre Lane Capital
Broadoak Private Finance
Funding 365
Oakbridge
Agility Bridging
Apex Bridging
Hope Capital
Interbridge
Mintbridging
Together
Barton
Bath & West
The Bridging Group
Focused Lending
Lendinvest
MFS
Octane Capital
Proplend
Bridgecrowd
Tuscan Capital
West One
Whitehall Capital
Zorin Finance
Get a loan quote
Call 24/7 Enquire Now

We use cookies. By using the website you agree with our use of cookies. Find out more here.

Okay, got it!