Bridging finance can still be available where credit history includes CCJs, defaults, historic bankruptcy or other adverse events. Submit your enquiry and an authorised broker will call you back to review the case.
The funds you can borrow are capped at 75% of the property value (first charge). If your selection exceeds that, the form will ask you to adjust.
Three simple steps to a bridging loan enquiry.
Tell us how much you need to borrow, the value of the property or land, and your contact details. The form takes about a minute.
A specialist bridging loan broker will call you back to discuss your circumstances, exit strategy and the right product for you.
The broker will review options from a panel of specialist bridging lenders and present quotes that suit your circumstances. There is no obligation to proceed.
£25k+
Loan size from
75%
Max LTV first charge
Days
Funds released in
No
Obligation
Submit your enquiry and an authorised broker will call you back
Specialist bridging brokers can review most case types — including those that have been declined by mainstream lenders.
Common situations where bridging is the practical route.
Bridging used as a stepping stone to repair the borrower's credit position before refinancing onto a mainstream product. The bridge clears existing high-cost debt, allows time for adverse markers to age, and is repaid by the eventual refinance.
Borrowers discharged from bankruptcy more than 12 months ago can be considered, with case strength tied to the time elapsed, the loan-to-value and the exit. Recently discharged cases are reviewed individually.
Where a borrower is in arrears and at risk of repossession, a bridge against the same or another property can clear the arrears, give time to sell at the right price or refinance, and avoid forced sale at a discount.
How specialist bridging differs from high-street lending
Bridging loans are property-secured. Lenders focus on the security value, the loan-to-value ratio and the exit strategy more than the borrower's credit score. That makes bridging accessible in many cases where a high-street mortgage would be declined.
Adverse credit considered includes CCJs (whether satisfied or unsatisfied), defaults, missed mortgage or unsecured payments, IVAs and historic bankruptcy. The strength of the case depends on the loan-to-value, the property type and the credibility of the exit strategy.
Loans run from £25,000 to £25,000,000, with maximum 75% LTV on first charge and 70% on second charge. Lower LTV cases tend to be straightforward; higher LTV cases on adverse credit may need additional security or a stronger exit. Re-bridging and credit repair scenarios are explicitly considered.
Specialist brokers have access to lenders, products and processes that are not always available going direct.
Some lenders accept automated valuations on suitable cases, which can shorten the time from application to drawdown when speed of completion matters.
Some bridging products are only available through specialist brokers and are not offered direct to consumers — useful when a standard product does not fit the case.
A specialist broker can present a case to multiple lenders, giving access to a wider set of options than approaching one lender directly. Dual representation may be available on some cases to speed completion.
Submit an enquiry and a broker will call you back to discuss your options.
Submit Enquiry