Bridging Finance London delivers exceptional expertise to England’s varied property landscape, supporting clients in major cities such as London, Manchester, and Birmingham, as well as charming rural areas.
Our broad network of over 250 lenders, including private banks and high-net-worth individuals, enables us to create custom bridging loan solutions for a wide array of scenarios.
Bridging loans act as short-term financing options, filling the gap between property purchases and long-term funding arrangements. These adaptable loans address various needs, from preventing property chain collapses to funding auction purchases. Our competitive offerings provide loans up to 80% loan-to-value (LTV), and in specific cases, we may increase this to 90% LTV.
England’s property market is known for its strength and variety. From London’s sought-after real estate to growing investment hubs in the North, opportunities abound for investors and developers.
Our bridging loans can help you capitalise on these prospects quickly and effectively.
Expert finance advice
tailored to you
Quality service
Fast, friendly and professional service.
Lender Choice
Over 250 Banks, Hedge Funds, Family Offices & more.
Experience
Over 15 years of specialist finance broking.
Bespoke Lending
Finance tailored specifically to meet your needs.
Types of Bridging Loans Available in England
Residential Bridging Loans: These loans assist homeowners and investors looking to buy or refinance residential properties. They’re especially useful for preventing property chain breakdowns or securing swift purchases in competitive markets such as London or Manchester.
Commercial Bridging Loans: Designed for businesses and investors interested in commercial properties and mixed-use properties across England. These loans enable quick acquisitions of offices, retail spaces, or industrial units in key locations.
Auction Finance: As property auctions gain popularity in England, our auction finance options allow you to obtain funds quickly, meeting the strict deadlines typical of auction purchases.
England Property Market Overview
England’s property market continues to demonstrate resilience and growth.
Recent data from the UK House Price Index reveals an annual price increase of 3.5% in England, with the average property value reaching £310,000 as of April 2024.
The market shows regional differences, with some areas performing better than others. For example, the North West has experienced significant growth, with cities like Manchester and Liverpool drawing substantial investment. At the same time, London’s prime property market is showing signs of recovery after a period of adjustment.
Noteworthy developments include ongoing regeneration projects in cities such as Birmingham and Leeds, creating fresh opportunities for property investors and developers.
How Bridging Loans Work
UK bridging finance is designed to provide short-term financing solutions, typically lasting from a few weeks to 24 months.
These loans can be used for various purposes, including property purchases, refurbishments, or business investments.
We’ve streamlined the application process for efficiency.
Upon receiving your enquiry, we evaluate your requirements and connect you with suitable lenders from our extensive network. Loan amounts range from £150,000 to several million pounds, based on the property value and your circumstances.
We offer competitive loan-to-value ratios, with options up to 80% LTV and potentially 90% in specific situations. Bridging loans can be secured against various property types, including residential, commercial, and mixed-use assets.
A well-defined exit strategy is essential when applying for a bridging loan. Common exit strategies include selling the property, refinancing to a long-term mortgage, or completing a development project. We collaborate closely with you to ensure your exit strategy is sound and feasible.
Where ongoing funding is not required, many developers will use bridging finance to purchase land or a project building. If cash is needed to help with the build costs, UK development finance can help with staged payments.
Benefits of Using Us
Extensive Lender Network: Our connections with over 250 lenders, including private banks and individual lenders, allow us to find the most competitive rates and terms for your specific needs.
Swift Approvals: We recognise the time-sensitive nature of many property transactions. Our efficient processes ensure quick approvals, often within days.
Flexible Lending Criteria: Unlike traditional lenders, we can accommodate complex financial situations, making us an ideal choice for high-net-worth individuals, foreign investors, and those with unique circumstances. We have access to second charge bridging loans, banks that utilise cross-charges and even non-status bridging loan options.
Local Market Knowledge: Our deep understanding of England’s diverse property markets enables us to offer tailored advice and secure financing solutions that align with local conditions and opportunities. We are based in Central London with access to funds and lenders for projects right across England.
Personalised Service: We provide a bespoke approach, assigning dedicated advisers who guide you through the entire process, from initial enquiry to loan completion.
Case Study
A client wanted to purchase a prime commercial property in central Manchester.
The seller had established a tight deadline, and traditional financing options were too slow. We secured a £1.5 million bridging loan at 60% LTV within five working days, allowing our client to complete the purchase on schedule. The client later refinanced to a long-term commercial mortgage, having acquired the property at a competitive price due to the rapid transaction.
This case exemplifies our ability to act swiftly in England’s fast-moving property market, enabling our clients to seize valuable opportunities that might otherwise be lost.
Need some help?
If you need a short-term bridging loan then a specialist broker is a good place to start. You will get expert help and advice along with a wide range of lenders to choose from.
To speak with a specialist broker, please call us on 020 3488 5706.
