Bridging finance for self-builders — covering plot acquisition, planning, build phase and the gap before owner-occupier mortgage takes over. Submit your enquiry and a broker 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.
Common ways self-build bridging fits a project.
Funding the purchase of the building plot before the build can start. Many vendors require unconditional purchase, but standard mortgages will not lend on bare land — bridging covers the gap.
Drawdowns timed to match the actual build progression rather than a rigid mortgage schedule. Suits builds that don't fit the standard self-build mortgage stage points.
Bridging covers the period between practical completion and the long-term mortgage being arranged — paperwork, valuations, building control sign-offs sometimes take longer than the bridge timeline allows for.
How bridging fits the self-build journey
Self-build is one of the more complex property funding journeys. Standard mortgages are not designed for half-built properties; specialist self-build mortgages exist but typically require staged drawdowns, completion certifications and a fairly rigid build timeline.
Self-build bridging gives more flexibility — funds can be released against the plot purchase before the build starts, drawdowns can be timed around the actual build progression rather than a fixed schedule, and the exit is the long-term self-build mortgage or owner-occupier mortgage that takes over once the property is complete and habitable.
Loans run from £25,000 to £25,000,000. Maximum 75% LTV on first charge against the plot value, with additional drawdown against build progression on suitable cases. Both first-time self-builders and experienced builders 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