Commercial Finance
Bridging Finance for Property Purchases and Refinances
Short-term secured lending that can often be arranged in weeks rather than months, subject to the lender, the security and the legal work. Unregulated bridging finance for investment purchases, auction lots, refurbishment projects and unmortgageable property — always with a clear exit agreed at the outset.
- Founder-led brokerage
- Ormskirk based · UK-wide
- Broad panel of commercial lenders
Speed, With an Exit You Can Rely On
Bridging finance exists for the deals ordinary lending cannot reach in time: a 28-day auction completion, a property with no kitchen and therefore no mortgage, a chain about to collapse, or a refinance that has to happen before a deadline.
It is secured on property and priced monthly, so it is deliberately short-term — usually three to eighteen months. The critical question is never the rate; it is the exit. Refinance onto a term mortgage, or sale. Lenders will test that exit hard, and so will we.
We arrange unregulated bridging only — first and second charge, on investment residential, commercial, mixed-use and land security held for business or investment purposes. We do not arrange regulated bridging, which broadly means any loan secured on a property you or an immediate family member live in or intend to live in. If that is your situation we will tell you at the first conversation and point you towards an FCA-authorised adviser.
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When Bridging Makes Sense
The situations we are asked about most:
- Auction purchases with 28-day completion deadlines
- Buying below market value where speed is the advantage
- Properties that are unmortgageable until works are done
- Securing an investment purchase before an existing property sells
- Refurbishment and light development projects
- Raising capital quickly against an existing property
What This Means for You
Built around your deadline
Well-prepared cases can complete in around two to three weeks, and sometimes faster where the solicitor is ready to move — though this depends on the lender, the valuation and the legal work.
Security-led decisions
Lenders focus on the asset and the exit, so personal income and trading accounts carry far less weight.
Buy what others cannot
Derelict, part-built, non-standard construction and short-lease properties are all fundable on a bridge.
Exit planned from day one
We line up the term facility or sale strategy alongside the bridge, so the way out is agreed before you go in.
Frequently Asked Questions
How quickly can a bridging loan complete?
Two to three weeks is a common timescale, and a straightforward case with a clean title and a responsive solicitor can sometimes complete more quickly. It is not a guarantee — timescales depend on the lender, the valuation, the title and the legal work. The usual delays are legal rather than lender-driven, so instructing a solicitor experienced in bridging is the single best thing you can do for the timescale.
What does bridging finance cost?
Interest is normally quoted monthly rather than as an APR, and the rate depends on the lender, the property, the loan-to-value, the exit and your experience. Rates and fees move with the market, so any figure we give you at the outset is indicative until a lender issues terms. Interest is often retained or rolled up so there are no monthly payments during the term. We will always show you the total cost in pounds for the full term, not just a monthly rate.
What counts as an acceptable exit?
Either a refinance onto a longer-term facility such as a business buy-to-let or commercial mortgage, or a sale of the property. Lenders will want evidence that the exit is realistic — terms in principle, comparable sale values, or a signed offer. If the exit is not credible, the bridge should not be taken.
Request a Callback
Send us the property, the purchase price and your intended exit — we will come back with terms and a realistic completion date.