About Us
Specialist bridging brokers arranging non-regulated short-term property finance across the UK.
Who We Are
Bridging Finance 4U is a specialist bridging broker. We arrange non-regulated short-term property finance with the leading bridging lenders and private funders in the UK. We are a broker, not a lender — we do not lend our own money and we are not tied to any single funder.
The business began as a trading style of Discount Mortgages, founded by Paul Barber in 2006, and operated that way for around ten years. Bridging Finance 4U was established as a standalone brand two years ago to serve clients properly in the non-regulated space, and Bridging Finance 4u Ltd was incorporated in 2024.
Between them our directors have over 20 years’ experience in bridging and property finance. That covers the 2008 crash, the years of cheap money that followed, and the current market — which matters, because lender appetite in this sector moves faster than in mainstream lending and knowing who is actually writing business this month is most of the job.
We work directly with decision-makers rather than through packagers, and we tell you honestly what is achievable before you commit to anything.
Why Choose Us
Whether you need bridging finance for one week or two years, we arrange facilities across England, Scotland, Wales and Northern Ireland. Facilities run from £25,000 to £50 million, over terms from one month to 24 months. In Northern Ireland the minimum is £150,000, because the lender panel operating there is narrower.
We work with around 20 core lenders and have access to around 50 more, including private funders and family offices that do not deal directly with the public. That range matters on cases mainstream lenders decline — non-standard security, complex title, ex-local authority stock, adverse credit, and borrowers with non-UK income.
A decision in principle can usually be issued the same day. Funds can be released in as little as five working days with our private lenders, and most cases complete in two to four weeks. Where a case will take longer, we tell you that at the outset rather than after you have committed.
Rates start from 0.59% per month. What you are actually offered depends on the loan to value, the property, the strength of your exit and your borrowing history — see our bridging loan interest rates page for how pricing works.
Let’s talk about how we can help you…
Tell us about the property, what you need and how the loan will be repaid. We will come back with indicative terms and an honest view of what is achievable. No cost, no obligation.
Our Team
Lisa
Lisa is CeMAP qualified with over 20 years in the mortgage market and 15 years specifically in bridging finance. She is also our lead on vulnerable customers.
Paul Barber
Paul founded Discount Mortgages in 2006 and has spent close to two decades in bridging and property finance. He established Bridging Finance 4U as a standalone brand to focus on the non-regulated space, and handles case placement across the lender panel.