BRIDG INL£ANS

When the deal
can’t wait for a bank.

An auction deadline. A mortgage that isn’t ready. A property no lender will touch until it’s renovated. We’re specialists in the situations high-street lenders can’t move fast enough for, from £50,000 to £1 million secured on UK property.

Get indicative termsWhatsApp a specialist
Loan size
£50k – £1m
Rates from
0.75% pm
Max LTV
75%
Funds in
48 hours
Modern residential property financed with a bridging loan
Indicative termsExample

Loan

£500k

Rate

0.72%

01Sound familiar?

The situations we're specialists in

High-street lenders aren't built for deals with a deadline. These are the moments we exist for, and we've funded hundreds of them.

Found a property but your mortgage isn't ready?

Secure it now on a bridge and repay us when your mortgage completes. You don't lose the property waiting on a lender's timeline.

Won at auction with 28 days to complete?

Auction finance is our bread and butter. We routinely complete well inside the deadline, so your deposit is never at risk.

Need to renovate before a bank will lend?

Banks won't touch a property that isn't habitable. We fund the purchase and the works, then you refinance once it's mortgageable.

Need to buy before selling another property?

Bridge the gap between the two. Buy the property you want now, repay us when your existing one sells. No chain, no lost deal.

Situation not listed? It probably still fits.

Tell us about your deal →
02Why borrowers choose us

Human judgement, machine speed

Banks decline on criteria. We look at the deal, the property and the exit — then move fast.

People who get your situation

A computer says no. A specialist asks why. Deals that don't fit a bank's tick-box get a real conversation with someone who's funded hundreds like yours.

AI does the paperwork, not the deciding

Checks, searches and admin are automated so your case moves in days instead of months. The judgement stays with people who know bridging.

Transparent from the first message

Your rate, arrangement fee and total cost of finance in writing up front. No hidden fees, no surprises at offer stage.

Advisor shaking hands with a client

1,200+

deals completed

03Why we're different

The bridging experience, finally done right

Most lenders are slow, opaque and silent. We focus on one segment, experienced borrowers needing £50k to £1m, and do it exceptionally well.

  • Indicative terms before you talk to anyone
  • A dedicated deal manager from start to finish
  • Pricing shown upfront, total cost included, no hidden fees
  • WhatsApp updates at every single milestone
More about us →
04What we fund

Finance for serious property deals

First & second charge

Flexible bridging secured against residential, commercial and mixed-use property.

Auction finance

Move fast on auction purchases with funding that completes inside the 28-day deadline.

Refurb & development

Light and heavy refurbishment finance to unlock a property's true value.

100% secure

Bank-grade security and FCA-aligned processes protect your data end to end.

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05Rates & criteria

Everything on the table, upfront

No hidden fees, no surprises at offer stage. Here's exactly what we lend and what it costs.

Loan amount

Residential

£50,000 – £1m

Commercial

£50,000 – £1m

Loan term

Residential

1 – 12 months

Commercial

1 – 12 months

Interest rate from

Residential

0.75% pm

Commercial

1.25% pm

Maximum LTV

Residential

75%

Commercial

65%

Arrangement fee

Residential

From 1%

Commercial

From 1%

Lender's legal fees

Residential

From £2,000, paid by borrower

Commercial

From £2,000, paid by borrower

Exit fee

Residential

0%

Commercial

Case by case

Rates are indicative and subject to underwriting, valuation and your individual circumstances.

£0m+

Funded to date

0+

Deals completed

0s

To indicative terms

0.0

Customer rating

06How it works

Four steps from your situation to funds

No brokers, no PDF forms, no silence. People make the decisions; software just makes them happen faster.

  1. Step 1

    Tell us your situation

    Two minutes online or a message on WhatsApp. No documents needed to start the conversation.

  2. Step 2

    Indicative terms in 60 seconds

    See the rate, the fees and the total cost of finance up front, in writing.

  3. Step 3

    A specialist reviews it

    Someone who has funded hundreds of these looks at your case and tells you honestly what's possible.

  4. Step 4

    Funds released

    Valuation and legals run in parallel with the admin automated, so money can land in as little as 48 hours.

07What borrowers say

Trusted by property professionals

“I had an indicative decision before I'd finished my coffee. Funds landed in nine days. Fastest bridge I've ever done.”

JW

James Whitfield

Property developer

“Finally a lender that shows the price up front. No games, no surprises at offer stage. I knew exactly where I stood.”

PA

Priya Anand

Portfolio landlord

“The deal tracker kept me updated at every step. I never once had to chase for an answer. Completely different experience.”

DO

Daniel Okafor

Auction buyer

08Recent deals

Deals we've funded recently

£480,000

68% LTV

Auction purchase · Manchester

Completed in 9 days against a 28-day auction deadline.

£750,000

62% LTV

Commercial refinance · London

Refinanced an expiring facility while a term loan was arranged.

£325,000

70% LTV

Refurbishment · Birmingham

Funded a full refurb, exited via sale four months later.

Illustrative examples of typical lending. Individual circumstances vary.

09Questions answered

Frequently asked questions

You'll get an indicative decision in 60 seconds online, and a formal offer within 30 minutes of underwriter review. Once legals are complete, funds are typically released within 48 hours. That last step does depend on your solicitor and on how quickly valuation access is arranged.

Rates start from 0.75% per month on residential and 1.25% on commercial, with an arrangement fee from 1% of the gross loan. There is no exit fee on residential loans. You will also pay the lender's legal fees, typically from £2,000, plus the valuation fee — many lenders don't mention these up front, so we do. You'll see your full indicative cost before you speak to anyone.

We focus on loans between £50,000 and £1 million, secured on residential, commercial, semi-commercial and mixed-use property. Maximum LTV is 75% on residential and 65% on commercial.

No. Bridging is asset-backed lending. The property, your equity and above all your exit strategy matter far more than your credit score, and adverse credit doesn't automatically rule you out.

Your exit is how the loan gets repaid: usually sale of the property, refinance onto a term mortgage, or sale of another asset. It carries 30% of your eligibility score, the largest single weighting, because it's how we know the loan can be cleared.

Still have a question?

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See if your deal qualifies in 60 seconds

No credit-file impact. No documents to start. Just an honest, instant answer.

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