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Customer quotes

"Michael & the team at have demonstrated outstanding professionalism and market knowledge concerning commercial funding in what is a very difficult market. His diligence and integrity in all matters concerning my own business has been exemplary. He is also a first class communicator, ensuring that you are always up to date with the status of any transaction and proved capable of delivering on the finance required."
Mr A Rutherford.
Royal Saint Davids Golf & Hotel Complex

News & Articles

Bridging Loan Rates

When considering a bridging loan, which is a short term loan, until long term finance is settled, the key aspect to look at is if it's a viable decision and this mostly would be decided from the bridging loan rates ...

What is a Bridging Loan?

Many people ask what is a bridging loan. A bridging loan is a loan used for a short term fix between the transaction of selling a property and buying another. An example of when a bridging loan could be used is for instance, when the property market is at a stage to buy ...

Bridging Loan Award 1Bridging Loan Award 2

About Bridging is a finance broker & principle bridging loan funder. We are committed to providing excellence, transparency and a personal service to our clients.

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Why use us when looking for a bridging loan?

  • As a principle funder, we have the advantage of being able to move very quickly
  • We can use our own funds for certain loans and have a willingness to lend
  • If we can't fund the deal ourselves we broker through our network of trusted partners
  • Over 20 years experience within the market
  • No upfront fees. Other costs kept to an absolute minimum and listed at the first available opportunity
  • Regulated loans and 2nd charges available
  • No minimum or maximum loan size
  • Loans on land, commercial and residential buildings

Bridging loans can also be used for many purposes:

  • Business Funds: short term working capital
  • Auctions: purchasing bargain property quickly at auction
  • Temporary Cashflow problems: when you require cash urgently
  • Tax Liabilities: finance those unexpected tax bills
  • Property Refurbishment: upgrade your residential or business premises
  • Buy-to-let: don't miss out on an investment opportunity
  • Moving House : seen your ideal property but in a chain & need temporary funding to move quickly

A bridging loan is used as a short term alternative until a longer term solution is available.  Depending on the use and criteria, rates currently start from 0.65% per month and for a term of usually up to 12 months, albeit longer periods can be negotiated either at the beginning or throughout the initially agreed term of the loan.

Bridging loans are used primarily for property related reasons and can be secured on most residential property or land in mainland UK (subject to valuation) whether habitable or not.  Funds raised from bridging finance can be used for pretty much and legal reason, provided it is agreed with the lender from the outset.

A specialist bridging loan company such as, have, due to the volume we process, special relationships with all of the key lenders and know the requirements needed to ensure a quick and smooth transaction.  We also use our own funds for certain lending, which helps us to move even quicker if required.  Processing time is however normally 3 - 5 working days.

Due to our FCA regulated principle, we can transact all types of loans on all types or property.  This ensures that with just one call we  can give the answers you require.  We are not even limited by loan size and currently have no minimum or maximums.

We pride ourselves on the speed of our transactions.  We will normally call you within hours of an emailed application and supply a written agreement shortly afterwards.  If you call our office, this process will be even quicker.  If you decide to progress with the application we can instruct the valuation and legal team immediately while the paperwork is being processed, thus saving valuable time.  We would either post, email or visit you to obtain the required signatures and documentation, which is again done shortly after the initial contact and agreement to proceed.  We don’t charge upfront fees, so it is in our interest to complete on every case as soon as possible.

We are available from 9 -9, 7 days a week, including most holiday periods.

Brokers / Introducers

We are an accredited bridging loan packagerfor those lenders that we deem to be the most competitive bridging loan providers in the market and that cover all aspects of the requirements of bridging finance. Most importantly we work with companies who do what they say and that, like ourselves, move quickly and efficiently. With this in mind, why not give us a chance and allow us to take the hassle out of the processing of your cases.

Most of our introducers are:

  • looking for help with placing a case
  • needing support with processing a case or cases
  • dealing with bridging finance on aninfrequent basis

As we are constantly involved in the volume administering of bridging loans we know what each of our individual lenders require to enable a case to be sourced, processed and completed in the quickest possible timeframe. Each case until complete is regularly and systematically reviewed by our highly qualified internal administration team and dedicated case handler. At the very least progression on each and every case is reviewed and actioned formally, twice per day. You will have one contact point at the company who will be responsible for and will own all aspects of your case from start to finish.

We pay commission on the day of completion, usually before we receive paymentourselves and normally at the same percentage rate or higher than most brokers would receive if they themselves went direct to the lender.

We can have as much or as little interaction with your client as you prefer however most introducers like us to handle the whole process which is also our recommended option. Most importantly however, the client always remains your client. We will not cross sell or contact them at any time in the future or for any reason unless you specifically ask us to do so.

Our system works equally well whether you are a regular processor of bridging finance having difficulty in placing a case, whether you simply don't have the time to process the cases yourself or if you are a one off single case introducer.

Through our directly FCA (Financial Conduct Authority) authorised "whole of market" mortgage and general insurance brokerage, World of Mortgages, we can process FCA regulated mortgage products including the bridging loans fitting into that category. World of Mortgages advisors are also qualified to handle Equity Release mortgages. When submitting a case via this website, we will always advise placement with the product we believe is most suitable for your clients needs.