Compare UK Bridging Lenders
Bridging Finance UK
Compare a wide panel of UK bridging lenders for property, auction and business finance. Loans from £25,000, rates from 0.4% per month, no broker fee, and a decision in 24 hours.
Our Bridging Loan Services
- Property bridging loans — Purchases, chain breaks, refinancing and properties that are not yet mortgageable.
- Auction finance — Funding arranged around the usual 28-day auction completion deadline.
- Construction bridging loans — Short-term finance when a build runs over budget or a facility is not ready.
- Business acquisition finance — Time-sensitive purchase funding, with loans considered up to £10 million.
- Stock finance — Working capital for bulk stock purchases and seasonal demand.
- Legal settlement bridging loans — Funds against an expected settlement while the payment is processed.
What is a bridging loan?
A bridging loan is short-term finance secured against property. It bridges a gap: you need money now, and you have a clear way to repay it within months, usually by selling a property or refinancing onto a mortgage or longer-term loan.
UK borrowers use bridging finance to buy before they sell, break a property chain, complete an auction purchase within the deadline, buy or refurbish a property a mortgage lender will not yet accept, or release cash quickly for a business opportunity.
How bridging loans work
Interest is charged monthly rather than annually, typically between 0.4% and 1.5% per month depending on the property, the loan-to-value and your circumstances. You can usually pay the interest each month or have it rolled up and repaid with the loan at the end, so there are no monthly payments.
Most loans run for up to 12 to 18 months. On top of interest, expect an arrangement fee (usually 1-2% of the loan) plus valuation and legal fees, and sometimes an exit fee. Our bridging loan calculator shows what a loan could cost before you apply.
The most important part of any application is the exit strategy: how the loan will be repaid. Lenders look at the property, the amount you want to borrow against its value, and how realistic your exit is, more than your income alone.
How we help
We compare a wide panel of UK bridging lenders for you, with no broker fee. Tell us about the property and what you need, and we aim to give you a decision in principle within 24 hours, with completion possible in as little as 7 days where the case allows.
Try our bridging loan calculator
Why compare lenders?
Comparing a wide panel of UK bridging lenders shows how the monthly rate, the fees and the term change the cost of the same property. Going to a single lender only shows that lender's product. There is no broker fee.
Contact our specialist Adam Mitchell: call or WhatsApp 07973 197535 for same-day guidance.
Bridging Loans Near You
- Bridging loans in Bournemouth
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- Bridging loans in Bristol
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- Bridging loans in Southampton
- Bridging loans in Edinburgh
- Bridging loans in Cardiff
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