Bridging loans secured against residential, commercial or land in Scotland. Submit your enquiry and an authorised broker familiar with Scottish property law will call you back to discuss options.
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.
Scottish bridging finance covers the same use cases as elsewhere in the UK.
Funding the gap between concluding missives and exit funds being available, auction completions in Edinburgh and Glasgow, chain-break scenarios, unmortgageable property, buy-to-let acquisitions and HMO purchases across Scottish cities.
Light and heavy refurbishment, traditional tenement conversions, change-of-use schemes, rural barn and steading conversions, ground-up development on Scottish sites and finishing stalled projects.
Commercial premises purchases, agricultural land, development land with or without planning permission, raising capital against business property and asset-backed cashflow finance for Scottish businesses.
How Scottish bridging differs from English and Welsh transactions
Scottish property law differs from English and Welsh law. Conveyancing uses missives instead of contracts, the Land Register replaces the Land Registry, and disposition follows a different sequence. Specialist bridging brokers and lenders understand the Scottish process and can complete cases without the delays that come from working with lenders unfamiliar with the jurisdiction.
Scottish bridging loans range from £25,000 to £25,000,000, with maximum 75% LTV on first charge and 70% on second charge. Both regulated and unregulated cases are considered. Common collateral includes residential property, buy-to-let, commercial premises, mixed-use buildings, agricultural land and development sites.
Property locations from Aberdeen to Inverness, Edinburgh, Glasgow, Dundee, Stirling, Perth and the wider Highlands and Islands are accepted. Adverse credit is considered case-by-case.
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