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- Best bridging loan rates
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- Fast approval
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Fast Decision Bridging Finance in the Midlands
Capitalise on the Midlands’ thriving property market with bridging finance from BridgingLoans.co.uk. Offering rates from 0.55% per month, our fast and flexible loans empower homeowners, investors, and developers in Birmingham, Nottingham, and Leicester to seize time-sensitive opportunities. Secure funds in as little as 3–7 days for auctions, property purchases, or renovations.
What is bridging finance?
Bridging finance is a short-term, secured loan designed to provide immediate funds for property transactions until long-term financing or asset sales are completed. Typically lasting 1 to 18 months, these loans are secured against property or other assets, offering flexibility for urgent needs like buying a new home, funding renovations, or securing auction properties in the Midlands’ competitive market.
Our key features:
- Loans from £20,000
- Terms from 6 to 18 months
- No exit fees on select products
- Rolled-up interest for no monthly payments
Why bridging finance in the midlands?
The Midlands’ property market is diverse, from urban regeneration in Coventry to historic properties in Stratford-upon-Avon and affordable homes in Stoke-on-Trent. Bridging finance enables you to act swiftly in this varied landscape, supporting:
- Property auctions: Secure auction properties in the Midlands, where completion is often required within 28 days.
- Chain breaks: Purchase your next home in Wolverhampton or Derby without waiting for your current property to sell.
- Renovation: Fund refurbishments in high-demand areas like Solihull to increase property value.
- Commercial ventures: Invest in the Midlands’ growing business hubs, such as Birmingham’s commercial districts.
With its central location, excellent transport links to London and Manchester, and a mix of urban and rural appeal, the Midlands is a hotspot for property investment. Bridging finance ensures you don’t miss out on time-critical deals.
Bridging finance rates & costs
BridgingLoans.co.uk provides competitive bridging loan rates starting at 0.39% per month, with typical ranges between 0.55% and 2% per month. Rates depend on factors such as:
- Loan-to-value (LTV): Lower LTVs (e.g., 50–75%) often secure better rates.
- Property type: Residential properties in the Midlands typically attract lower rates than commercial ones.
- Loan term: Shorter terms may offer more favourable rates.
- Exit strategy: A robust repayment plan, such as selling a property or refinancing, can reduce costs.
Cost breakdown
| Rates/fees | Details |
| Monthly Rate | 0.55%–2% (e.g., 0.55% monthly = 6.6% annual equivalent) |
| Arrangement Fee | 2% of the loan amount |
| Valuation Fee | £500–£2,500, based on property value |
| Exit Fee | £0 – Some lenders might have a minimum interest period |
Example scenario
For a £200,000 bridging loan at 0.55% per month over 12 months in the Midlands, the interest would be approximately £13,200 (rolled-up). With a 2% arrangement fee (£4,000), the total repayable amount would be around £217,200, subject to lender criteria. Use our online bridging loan calculator for a personalised quote.
How to apply for bridging finance
We are an FCA-regulated broker, offers a streamlined application process to deliver funds quickly. Follow these steps:
- Estimate costs: Use our online bridging loan calculator for an instant repayment figure.
- Consultation: Receive a decision in principle within hours from our expert team.
- Valuation: We arrange property valuations to confirm loan terms and LTV.
- Funding: Access funds in 3–7 days, ideal for urgent deals in Northampton or Shrewsbury.
We work with a panel of trusted lenders to secure the best rates, even for complex cases or adverse credit.
Types of bridging finance available
Bridging finance is available in two main forms to suit different needs in the Midlands:
- Closed: Fixed repayment dates, often tied to a confirmed property sale, offering lower rates due to reduced lender risk.
- Open: Flexible repayment schedules, suitable for less certain exit strategies but typically at higher rates.
Loans can be first- or second-charge, depending on existing mortgages. Our team helps you choose the best option for your Midlands project.
Why choose us for our bridging finance in the midlands?
BridgingLoans.co.uk is your trusted partner for bridging finance in the Midlands, offering:
- Competitive rates: Exclusive deals starting at 0.55% per month.
- Regional expertise: Deep understanding of the Midlands’ property market, from Lincoln to Telford.
- Swift funding: Funds in days for auctions or chain breaks.
- FCA-regulated service: Transparent advice with a 5-star Trustpilot rating.
Our tailored solutions support homeowners, investors, and businesses, ensuring the best deal for your needs.
We provide finance across the UK:
