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Short-term capital

Bridging finance when the deal won't wait.

Regulated and unregulated bridging arranged across the UK — typically drawn down inside two weeks, sometimes in five working days.

Start an enquiry or call 07967 614 256
Typical LTV
Up to 75% of OMV — higher with additional security
Typical term
1 – 18 months, with rolled or serviced interest
Speed
5 – 14 working days from instruction to drawdown on prepared cases

Overview

What we arrange.

Bridging is the right tool when the timetable is shorter than a term lender’s underwriting window. It is not the cheapest money on the market — but used well, the speed and flexibility unlock value the headline rate can’t capture.

We arrange bridging across the full risk spectrum: low-LTV regulated deals secured against a borrower’s home, heavy-refurb facilities for experienced developers, and auction-day funding for clients buying under the hammer.

The cases we see most often share a pattern — the opportunity is real, the timetable is tight, and the high-street is not the answer.

Facets

Regulated bridging

Where the loan is secured against a property the borrower or an immediate family member occupies, or intends to occupy.

Unregulated bridging

Investment and commercial use cases — refurb-to-sell, refurb-to-rent, BTL conversion, light or heavy refurbishment.

Auction finance

Pre-approved facilities sized to the lot guide so you can bid with confidence and complete inside the 28-day window.

Chain-break bridging

Where a downward chain has collapsed and a buyer needs to complete on the onward purchase before their own sale completes.

Send it through

Have a case in front of you?

Five minutes on the phone with Paul usually settles whether the deal works — and at what cost.

Start the enquiry Call 07967 614 256

Use cases

Where this product earns its place.

  1. 01

    Developer needs short-term capital between exits

    Refinance one finished scheme to release equity into the next site acquisition while the finished units are sold.

  2. 02

    Buyer needs to complete before sale

    Use bridging to secure the onward purchase, then redeem on completion of the existing property — often inside 90 days.

  3. 03

    Below-market-value purchase from auction

    Move at pace to acquire under the hammer, refurbish, and refinance onto a longer-term BTL or commercial mortgage.

  4. 04

    Refurbishment uplift

    Light or heavy refurb funded against the post-works value, with the bridge cleared by a term refinance or sale.

Questions

Common ground.

How quickly can a bridge actually complete?
Prepared cases — clean title, identified lender, valuation triggered early — can complete inside five working days. Most cases land between two and three weeks.
Do I need a clear exit?
Yes. Lenders underwrite the exit as carefully as the asset. Refinance to a term product, sale of the asset, or sale of an unrelated asset are the three standard exits.
Can I borrow against a property I don't yet own?
Yes — bridging is the standard route to fund an acquisition with quick completion. The loan funds at completion against the property being purchased.
Will adverse credit kill the deal?
Not always. Bridging is asset-led. We work with lenders who price for the security and exit rather than scoring an applicant's credit file.

Get a route

Tell us about the deal.

Four short questions. Paul replies inside one working hour with a named lender and an indicative cost.

Speak to a specialist

Send the brief.

Inside one working hour we'll come back with a named lender, a realistic timetable, and an indicative cost.

Step 1 of 4 · Deal type

Also at the desk

Long-term commercial debt

Commercial Mortgages

Owner-occupier and investment commercial mortgages secured against shops, offices, industrial units, mixed-use and semi-commercial property.

Ground-up & heavy refurb

Development Finance

Stage-drawn funding for ground-up residential development, conversions and substantial refurbishment projects.

Specialist BTL

HMO & Portfolio Finance

Long-term mortgages for HMOs, multi-unit blocks and portfolio landlords — including limited-company SPV structures.

Next step

When the deal lands on your desk, don't wait on a high-street underwriter.

Speak to Paul directly. Five minutes on the phone tells you whether the case is fundable, who the right lender is, and what the realistic timetable looks like.

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