Fast Bridging Loans in London
Short-Term Residential Bridging Loans UK. Buy, Refinance or Refurbish
When you need to move quickly, our residential bridging loans provide short-term finance to buy, refinance, or refurbish property without delay. As a result, you can act fast on time-sensitive opportunities that a traditional mortgage simply can’t support.
- Fast property finance for complex deals
- Access to 100+ trusted lenders
- Competitive rates from 0.49% per month
- Flexible terms up to 36 months
Our Bridging Loan Services
About Our Firm
As a specialist bridging loan broker based in London, we provide fast, flexible funding solutions for time-sensitive property transactions. Furthermore, our team works with a wide network of private, commercial, and international lenders to secure bespoke terms that traditional banks can’t match. As a result, we’re able to deliver where high street lenders fall short.
We act exclusively on your behalf, ensuring your loan is structured to your advantage — with clear communication, fast decisions, and no unnecessary delays.
Why choose us
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15+ Years’ Experience in property and finance
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£500M+ Bridging Finance Arranged
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Access to 120+ Lenders
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Clients in 10+ Countries
What Is a Residential Bridging Loan?
A residential bridging loan is a short-term mortgage used to bridge a funding gap — often between buying and selling property, completing an auction purchase, or releasing equity tied up in your home.
They’re ideal for homeowners, property investors, and developers who need funding quickly, without waiting for a traditional mortgage.
You can use a residential bridge for:
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Buying a new property before your current home sells
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Covering chain breaks or delayed mortgage offers
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Refurbishing a property before refinance or sale
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Releasing equity for investment or business use
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Purchasing at auction with short completion deadlines
Expert Residential Bridging Brokers You Can Trust
Our brokers have decades of experience structuring high-value deals for UK and international clients. We understand the complexities of short-term finance and specialise in finding creative solutions where traditional lenders can’t deliver.
Frequently Asked Questions
Most loans can be arranged within 3–10 working days, depending on valuation and legal completion.
Terms range from 3 to 36 months, with flexible exit options.
Not necessarily — lenders can secure the loan on multiple properties if required.
Yes. Many clients use bridging loans to fund refurbishments ahead of sale or refinance.
Many lenders allow early repayment after a minimum period (often 3 months) without extra charges — we’ll confirm this upfront.
Yes. Bridging loans are open to a wide range of borrowers, including first-time investors, landlords, and limited companies.
Bridging loans can be secured against houses, flats, HMOs, or mixed-use properties, provided they meet valuation and lender criteria.
Most residential bridging lenders offer up to 80% LTV, depending on your financial profile, asset, and exit plan.
Rates typically start from 0.49% per month, though your exact rate will depend on loan size, LTV, credit profile, and property type.
Yes, if the loan is secured against your main residence or a property you or your family live in. Unregulated loans apply to investment or business properties.
Absolutely. Lenders require a clear exit route — usually via sale, refinance, or long-term mortgage.
Possibly. Some specialist lenders will consider adverse credit if there’s sufficient equity and a viable exit plan.
Yes — you can expect arrangement, valuation, and legal fees, and sometimes an exit fee. We’ll always outline these clearly before you proceed.
Yes — many lenders accept expat and overseas borrowers purchasing or refinancing property in the UK.
Want
To
Talk?
We’ll review your scenario and outline your bridging loan options within hours.