Fast, flexible funding for time-sensitive property transactions.
Bridging finance is short-term, secured lending designed to move at the speed of the deal. It is used when conventional finance is too slow, when a property is not yet mortgageable, or when capital is needed for a defined period before a sale or refinance.
The right bridge can make the difference between missing an opportunity and securing it. We structure bridging facilities around the exit, so the loan does what it needs to do and nothing more.
- Term
- 3 – 24 months
- Security
- Residential, semi-commercial, commercial, land
- Charge
- First charge (second charge by arrangement)
- Interest
- Serviced, retained or rolled
Typical parameters. Every facility depends on the lender, the security and the transaction.
When bridging is the right tool.
- Auction purchases with 28-day completion deadlines
- Chain-break funding when a sale is delayed
- Uninhabitable or unmortgageable property that a term lender will not accept
- Light or heavy refurbishment with exit via sale or refinance
- Capital raise against unencumbered or low-leverage property
- Development exit and short-term refinance of an existing facility
- 01
Speed
Facilities can complete in days rather than months where valuation and legals allow.
- 02
Flexibility
Interest can be serviced monthly, retained from the advance or rolled up and paid at redemption.
- 03
Security-led
Lending is assessed primarily on the asset and the exit, not on trading history.
- 04
Structured exit
We plan the refinance or sale from day one so the facility is never open-ended.
From first conversation to funds released.
- 01
Tell us about the deal
Property, purpose, loan amount, term and exit. We respond with an initial view quickly.
- 02
Indicative terms
We approach the lenders whose appetite fits and return with indicative terms for comparison.
- 03
Valuation and legals
A RICS valuation is instructed and solicitors are engaged on both sides in parallel.
- 04
Completion
Funds are released once conditions are satisfied. We stay involved until the exit completes.
Frequently asked.
Timing depends mainly on valuation and legal work. Where a valuation can be booked quickly and solicitors are responsive, completion within two to three weeks is realistic; some lenders can move faster for straightforward cases.
A sale, a refinance onto a term product, or a development sale. Lenders expect the exit to be evidenced, for example with comparable sales, an agent appraisal, or a decision in principle from a term lender.
Not necessarily. Interest is often retained from the advance or rolled up and paid at the end, which means no monthly payments during the term. Serviced interest is also available where income supports it.
Tell us about your deal.
Start with the basics. We'll come back with an initial view and the questions that actually matter.
Question 2