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Bridging Loans in Bristol
Bridging loans are short-term, property-secured financial solutions that provide quick access to funds for urgent or time-sensitive property transactions. Perfect for Bristol’s eclectic property scene, from Clifton’s Georgian terraces to the regenerated harbourside, these loans help you act swiftly.
By partnering with us, you will find bridging finance rates starting at 0.55% per month, designed to meet your immediate needs with minimal delay.
Why use a bridging loan in Bristol?
Bristol’s vibrant property market, known for its mix of historic charm and modern developments, makes bridging loans an ideal choice for:
- Acquiring a property while awaiting the sale of another.
- Renovating properties to enhance their market value.
- Securing properties at auction with strict deadlines.
- Supporting short-term financial needs for property or business ventures.
With loan sizes from £20,000, our finance options suit homeowners, investors, and developers across Bristol.
Loan rates and fees
Our bridging loans start at 0.55% per month, with rates generally ranging from 0.55% to 2% per month. Factors influencing rates include:
- Credit profile: A solid credit history can lower rates.
- Property type: Residential properties may attract better rates.
- Loan-to-value ratio: Lower LTVs often reduce costs.
- Exit strategy: A clear repayment plan can secure better terms.
Additional fees may include:
- Arrangement fee: Typically 2% of the loan.
- Valuation fee: To appraise the property’s value.
- Legal costs: For legal processes on both sides.
Many loans have no exit fees, and you can roll up interest to avoid monthly payments. Use our loan calculator to estimate your costs. Some lenders might have a minimum interest period, this is usually around 3 months.
Bridging loan types
Open bridging loans
These loans offer flexibility without a fixed repayment date, suitable when your exit strategy, such as selling a property, is not yet confirmed. They may have higher rates due to the risk.
Closed bridging loans
With a set repayment date, these are more affordable for those with a defined exit plan, like a property sale with contracts in place.
First and second charge loans
First-charge loans are secured on properties without existing mortgages, while second-charge loans are taken alongside an existing mortgage, subject to the primary lender’s consent.
Why choose our bridging finance services
We are a leading broker, working with top UK lenders to provide:
- Competitive rates from 0.55% per month.
- Fast funding, often within 72 hours.
- Personalised finance for residential, commercial, or auction properties.
- Trusted expertise from FCA-regulated advisors.
We ensure a smooth process, delivering funds quickly for projects in Bristol’s hotspots like Redland, Stokes Croft, or Bedminster.
Application steps
- Request a quote: Complete our online form or use the calculator for a free quote.
- Provisional approval: Get a decision in principle within hours.
- Property valuation: A survey may be needed.
- Fund release: Access funds after legal and underwriting completion.
Contact us at 0116 402 7982 or apply online to begin.
We provide finance across the UK:
