Bridging finance secured against single buy-to-let property, HMOs, portfolios and holiday lets. Submit your enquiry and a broker familiar with investor cases will call you back.
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.
How investors typically use bridging in their portfolio strategy.
Buy-Refurbish-Rent-Refinance — bridging funds the purchase and refurbishment of a below-market property, the property is then let at the post-works rent, and refinanced onto a long-term BTL mortgage based on the new value.
BTL property bought at auction with the 28-day completion window. Bridging completes the purchase, the property is brought to mortgageable standard, then refinanced or held depending on the investor's strategy.
Conversion of single dwellings into HMOs, multi-unit block purchases, student lets, holiday lets and serviced accommodation. Bridging covers acquisition and conversion before the long-term BTL or commercial investment mortgage takes over.
Faster than a BTL mortgage, structured for investors
Buy-to-let bridging is generally classified as unregulated lending — the property is for investment rather than occupation — which gives lenders flexibility on case structure, rental coverage and underwriting timescales.
Investors use bridging where speed matters (auction purchase, competitive sale, portfolio acquisition), where the property is unmortgageable in current condition and needs refurbishment, or where the lender's BTL stress test fails on the as-is rental but passes after works.
Loans run from £25,000 to £25,000,000, with maximum 75% LTV on first charge. The exit is typically a refinance onto a buy-to-let mortgage once the property is in mortgageable condition and rented at the post-works rate, or a sale where the strategy is flip-and-sell.
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