Bridging Finance Solutions

Short-term property finance from 0.59% per month. Facilities from £25,000 to £50 million, with a decision in principle usually the same day.

Bridging Finance Solutions Across the UK

Let’s Find the Right Bridging Solution for You!

As with any form of borrowing, it is worth looking at the pros and cons of bridging finance to be sure it suits your requirements. Here is what it does well, and where the limits are. Speed The main advantage is pace. A decision in principle can usually be issued the same day, completion can be achieved in around five working days with a private lender where the legals and valuation move quickly, and most cases complete in two to four weeks. That makes it viable for time-sensitive purchases where a mainstream mortgage simply cannot move fast enough. A range of uses Bridging is used for auction purchases, refurbishment before a sale or refinance, re-bridging where an existing facility is approaching term end, releasing equity from one property to fund another, and buying property that is not currently mortgageable. The lender will want to understand what the facility is for and how it gets repaid, but the range of acceptable purposes is considerably wider than on a term loan. Flexible repayment structures Interest can be retained from the advance, rolled up and settled at redemption, or serviced monthly from income. Most borrowers choose retained or rolled up, because cash flow is usually tight until the exit completes. Early redemption reduces the total cost, subject to a minimum interest period of one month. Asset-led underwriting Bridging is assessed on the security and the strength of your exit rather than on income multiples or affordability testing. Credit history matters less than it would on a mortgage — defaults, CCJs and even discharged bankruptcy do not automatically rule out a facility — though they narrow the lender panel and typically move the rate up and the loan to value down. The trade-off Bridging is more expensive than a term mortgage, and it is meant to be: you are paying for speed and for a lender who will look at property a mainstream lender will not. Rates start from 0.59% per month, with an arrangement fee, legal costs and a valuation on top. See our bridging loan interest rates page for the full cost breakdown. It is short-term finance and is not suitable for long-term borrowing.

Bridging Loan Rates

Our bridging rates start from 0.59% pcm. Prime cases up to 65% LTV, standard up to 75%, re-bridge up to 70%.

Commercial Bridging Loans

Bridging Finance 4U is a specialist bridging broker working with around 20 core lenders and access to 50 more, including private funders across the UK.

Development Finance

Development finance covers up to 70% of the net purchase price, up to 70% of Gross Development Value, and 100% of development costs.

Who We Are and What We Do

Bridging finance is usually used as an interim measure until permanent or next-stage finance is in place. Where an investment sale is running behind the purchase deadline on another property, a bridge holds the position until the sale completes, rather than forcing a discounted sale to meet the deadline.

We arrange non-regulated bridging across England, Scotland, Wales and Northern Ireland. In Northern Ireland the minimum facility is £150,000, because the lender panel operating there is narrower.

Why Choose Us?

Terms vary from lender to lender, but bridging typically runs from one month to 24 months. It is short-term finance by design and is not suitable for long-term borrowing — see short-term financing for how that works in practice.

Rather than approaching every lender on the market yourself, come to us. 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. We speak to decision-makers rather than working through packagers.

A decision in principle can usually be issued the same day. Completion with a private lender can be achieved in around five working days where the legals and valuation move quickly, and most cases complete in two to four weeks. Rates start from 0.59% per month — see our bridging loan interest rates page for the full cost breakdown.

Experienced Staff

Our directors have around 20 years in bridging and property finance between them. That covers the 2008 crash, the years of cheap money that followed, and the current market.

Modern Technology

Cutting-edge tools and software streamline processes, enabling teams to deliver.

Let’s talk about how we can help you…

Tell us about the property, what you need and how the facility will be repaid. We will come back with indicative terms and an honest view of what is achievable. A decision in principle can usually be issued the same day, at no cost and with no obligation.

Bridging Finance Solutions UK

Bridging Finance 4U is a specialist bridging broker working with lenders across the UK. We arrange short-term secured finance for property purchases, refurbishments, auction acquisitions, re-bridging and asset-backed lending. Whether you are funding an investment purchase, a commercial acquisition or a short-term gap, we structure the case to fit the circumstances.

Fast turnaround, asset-led underwriting

Bridging has grown in popularity for its speed and flexibility. Short-term funds are often needed to bridge the gap between a debt falling due and longer-term finance completing. We work directly with specialist lenders and know what it takes to get a decision. Because bridging is underwritten on the asset and the exit rather than on income multiples, a decision in principle can usually be issued the same day.

Facilities from £25,000 to £50 million

Our directors have around 20 years in the bridging market between them, and we have built direct relationships with specialist lenders and private funders — including funders that let us place complex cases mainstream brokers cannot handle. Whether you need £25,000 or £50 million, we work through your requirements before recommending a lender and a structure. In Northern Ireland the minimum facility is £150,000.

Higher loan to value where the deal supports it

Standard cases run to 75% loan to value, prime to 65% and re-bridge to 70%. On auction purchases below open market value, some lenders will consider up to 80% of that open market value at 0.995% per month, which can cover the full purchase price where the discount is large enough. Additional security can lift the effective gearing on the right case. Every case is different, and we work with you to structure the security and exit in a way the lender can price competitively.

Cost of borrowing

Bridging is short-term finance and should be treated as such. It is more expensive than a mortgage, but often more cost-effective than the alternative of missing a deal or breaking a chain. Rates start from 0.59% per month, with a lender arrangement fee of 2% of the gross loan, legal fees of £3,000 to £5,000, a valuation from £600 and an administration fee of £495. Interest is typically retained or rolled up rather than paid monthly, so nothing is due during the term. See our bridging finance rates page, or run your figures through the calculator.

Get Indicative Terms

Tell us about the property, what you need to borrow and how the facility will be repaid. We will come back with indicative terms from our lender panel and an honest view of what is achievable.

A decision in principle can usually be issued the same day, at no cost and with no obligation.