Bridging finance provides fast, flexible capital when timing or structure prevents the use of conventional term debt. It’s a short-term facility secured against property, typically lasting 6–18 months, designed to bridge a funding gap until sale, refinance or development completion.

How It Works

Bridging loans are structured as interest-only facilities, with the full balance repaid via an agreed exit, usually a sale or refinance. Interest may be retained, rolled-up or serviced monthly, depending on borrower preference and lender criteria. Facilities are assessed primarily on asset value and exit credibility rather than income coverage, making them ideal for short-term scenarios.

Typical parameters:

Loan size: from around £100,000 – £10 million+

Maximum LTV: 75% (higher with additional security)

Term: 6 – 18 months

Speed: commonly 2 – 4 weeks, faster in exceptional cases

Market Overview

The UK bridging sector has grown rapidly, now exceeding £8–9 billion of annual lending, driven by investor demand for agility amid a slow traditional mortgage market.
Typical pricing ranges from 0.6%–1.25% per month, varying with leverage, term and asset quality.
Lenders include specialist banks, private funds and family offices, each with distinct risk appetites and criteria.

What Lenders Consider

While bridging is designed for speed, lenders still focus on fundamentals:

  • Property type and condition

  • Borrower experience and track record

  • Exit strategy feasibility

  • Valuation and legal readiness

A well-prepared proposal that clearly presents these factors significantly improves pricing and turnaround times.

Key Advantages

  • Rapid execution where speed is critical

  • Flexible underwriting on complex or transitional assets

  • No early repayment penalties with most lenders

  • Customisable term and interest structure

  • Suitable for corporate borrowers and SPVs

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These loans are widely used by professional investors and developers to move quickly on opportunities or release capital from existing assets. Funding can be arranged against residential, mixed-use, semi-commercial and commercial property throughout the UK.

Next Steps

For investors or developers exploring short-term finance, clarity and presentation make the difference between a fast approval and delay.
We prepare credit-ready bridging proposals, ensuring lenders have exactly what they need to complete swiftly and competitively.

Discuss Your Funding Scenario