Borrow £30,000 to £25 Million.
Fast Completion.
Residential / Commercial Development.
Bad Credit History Accepted.
Individuals, Limited Companies & SPV's.


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Applying for a bridging loan may seem challenging. You need some extra cash but the choices can be overwhelming and hard to understand with jargon like APR, secured, unsecured and so on. It’s hard to know where to begin. We can help...

We can advise and help you choose the right loan for you, from personal loans to homeowner loans. We can even help you secure funds if you have a bad credit history. We will help you to understand the conditions of your loan and give you a full detailed breakdown along with lender details. Naturally, the most important thing is to make sure you will be able to afford the repayments.

Bridging Loans


(not all lenders displayed - not specific to your personal circumstances)

Customer Reviews


How we work?
By making an enquiry we will contact you to discuss your needs and outline if we can be of assistance. We will then request a copy of your credit file and this will be passed to a qualified adviser to review and give you advice and discuss possible quotations. If you wish us to proceed and get a ‘Decision in Principle’ we can do so. Once we have a decision from the lender we will discuss and email you a formal quotation and outline the process from there.
Can you get a bridging loan with bad credit history?
Yes. we have lenders that can help providing you have enough equity and can clearly afford any new borrowing.
How much can I borrow?
From £10,000 upwards to millions depending upon the project and purpose of funds.
I have been declined in the past – can you help?
The key to this question is why you were declined. We provide an advised service, so if we cannot help you now we will explain why and provide advice as to what you need to do to be able to get a loan in the future.
How quickly can I get a bridging loan?
We can get you terms within an hour and completion can be within days depending upon the legal process.
What loan purposes do you accept?
Most legal purposes are allowed.

What is Bridging Finance?

A bridging loan is a short term fix loan which allows you to purchase the property or raise money on an asset where standard forms of finance are not available. Here are some examples of where bridging finance is used:

Chain Break - A bridging loan can also help when there is a gap in the property chain between buying and selling properties. It may be necessary to purchase a property to avoid missing out but there is not the time available to sell your current property to raise the required funding.

Buying at Auction – Upon winning the bid at an auction you generally have to complete within 28 days, so you may not be able to raise a standard mortgage in this time frame, so a bridging loan can be used to complete on the purchase.

Uninhabitable Properties – Standard mortgages require the property to be in a habitual form – i.e. have a kitchen, bathroom, heating etc – but some properties are run down and due to their poor condition they are classed as uninhabitual and not suitable security for traditional mortgage lenders. In this situation bridging finance could be a solution.

Change of Use – This is where you plan to make extensive changes to the building, so for example change an office block into flats or convert a residential house into a HMO (House of Multiple Occupation). Due to these types of changes high street banks will not lend, whereas bridging loan lenders will consider this.

Benefits of a Bridging Loan

Flexibility – You can use this type of finance in lots of different situations as outlined above. Our panel of lenders are always open to discussing the transaction and tailoring the finance to the client’s needs.

Speed – This is an essential part of this type of finance as there are generally deadlines in place which need to be met.

Finance Size – We have bridging loan lenders that can offer loans from £50,000 to £25 Million.

Disadvantages of a Bridging Loan

Timescale – For regulated bridging finance (secured on your home) the loan can only last for 12 months and for non-regulated loans the max term is generally 18 months. You need to do your homework to make sure these timescales are feasible.

Cost – The longer the project runs for the more costly it will be, so you need to make sure you have really planned out the project and had advice from builders, planners, brokers etc.

What sort of costs are associated with Bridging Finance?

Typical costs that will be charged are:

Valuation Fees – A valuation will be needed on all properties that you are using to secure the finance. The valuation could be an automated valuation (Desktop) or a full valuation maybe required – The lender will consider which they would need.

Arrangement Fees – The lender will charge an arrangement fee for a bridging loan and this fee amount will be dependent upon the loan size. Additionally a broker fee maybe charged and the amount would depend upon the work involved for the the overall transaction and loan size.

Exit Fees – In some cases the lender may charge an exit fee, so look out for this in the terms issued by the lender.

Solicitor – You will need a solicitor to represent you and also the lender needs a solicitor to represent them. Generally you are responsible for the cost for both sets of solicitors involved in the transaction. In some cases the same solicitor firm can represent both parties.

Monthly Interest – The lender will charge you a monthly interest for lending you the money. How much this will be will depend many factors such as the loan size, the overall project, credit history and Deposit/Equity that you have.

Our specialist team of experts has experience in bridging loans and will be more than happy to answer any questions that you may have. Tread carefully in this area. There is definitely a place for bridging loans but great caution needs to be exercised before applying and accepting any deal offered.

Here is some additional information on related topics from our blog:

What Is a Self Build Mortgage? All You Need to Know

Planning Permission Dos & Donts

What is a Bridging Loan?



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