Bridging loans secured against houses, flats, buy-to-let property and HMOs. Submit your enquiry and an authorised broker will call you back to discuss the right product for 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.
Residential bridging covers the full range of UK housing stock.
Freehold houses, leasehold flats with sufficient lease term remaining, terraced and semi-detached property, mainstream construction. Owner-occupied or investment.
Investment property — single buy-to-let, HMOs, student accommodation, holiday lets, multi-unit blocks held in personal name or limited company. Both rental income and value support the case.
Short-lease flats, properties without kitchen or bathroom, structural defects, fire damage, non-standard construction. Bridging finance refurbishes the property to mortgageable standard before refinance.
Regulated and unregulated residential cases
A residential bridging loan is secured against a property used or intended to be used as a dwelling. Where the borrower or an immediate family member occupies the property, the loan is regulated under consumer mortgage rules. Where the property is an investment — buy-to-let, HMO, holiday let — the loan is generally unregulated.
Both forms run from £25,000 to £25,000,000 with maximum 75% LTV on first charge and 70% on second charge. Property types include freehold houses, flats, leaseholds with sufficient term, ex-local-authority property, non-standard construction and unmortgageable residential.
Common purposes include chain-break scenarios, auction completions, refurbishment before refinance, raising capital against equity, and bridging the gap before downsizing or relocation.
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