BRIDGING AND DEVELOPMENT FINANCE
Bridging Loan Broker: Fast Finance With a Planned Exit
Auctions, chain breaks, refurbishments and developments need money faster or more flexibly than a mortgage allows. We find bridging that fits the deadline, then make sure the way out is ready.
Initial consultation free · CeMAP-qualified advice · UK-wide · Read our reviews on Trustpilot ↗
Based in Derby, we work with clients across the UK.
The exit matters more than the rate
Bridging is easy to get into and expensive to stay in. Before we look at lenders, we look at how the loan will be repaid, whether that is a sale, a buy-to-let mortgage or a commercial refinance. Then we choose lenders on total cost and how fast they can complete.
Talk through your mortgage options
Tell us about your plans and circumstances. Your initial consultation is free.
When bridging is the right tool
What it costs
| Cost | Typical range |
|---|---|
| Interest | Charged monthly and priced on risk. Lower loan-to-value and a strong exit get the best rates |
| Arrangement fee | Often around 2% of the loan |
| Exit fee | Some lenders, often 1%. Many charge none |
| Valuation and legal | Yours and usually the lender's |
Read our full bridging loan guide.
How it works
- Free consultation. The property, the timescale and, most importantly, how the loan will be repaid.
- Exit check. We stress-test your sale or refinance plan before you commit.
- Terms. We compare lenders on total cost and speed, not just the monthly rate.
- Valuation and legal work. We keep valuers and solicitors moving to hit your deadline.
- Completion and refinance. We line up the longer-term mortgage so the exit is ready.
Our broker fee
Your initial consultation is free. Commercial and bridging cases vary in size and complexity, so we confirm our fee in writing before you proceed. Lender, valuation and legal fees are additional.
Bridging Finance FAQs
What is a bridging loan?
A short-term loan secured on property, usually for up to 12 to 24 months, repaid from a sale or a longer-term mortgage.
How fast can bridging complete?
Often in two to four weeks, sometimes faster for simple cases.
How much does bridging cost?
Monthly interest priced on risk, plus an arrangement fee of around 2%, valuation and legal fees, and sometimes an exit fee.
How much can I borrow?
Often up to around 70% to 75% of the property value, gross of fees and retained interest.
Do you arrange development finance?
Yes, for ground-up builds, conversions and heavy refurbishments, with staged drawdowns.
Is bridging regulated?
If it is secured on a home you or close family live in. Investment and commercial bridging is usually unregulated.
Is the first consultation free?
Yes. Bridging cases vary, so we confirm our fee in writing before you proceed.
Ready to talk through your project?
Tell us about the property, your deadline and your exit. Your initial consultation is free.
Content written and reviewed by Davi Thakar. Last reviewed 16 October 2026. Bridging loans are secured on property. Your property may be repossessed if you cannot repay at the end of the term. Think carefully before securing other debts against your home. This information is not a personal recommendation.