Bridging Finance London specialises in providing swift, bespoke bridging loans for property transactions in South East England.
Our solutions cater to various needs, from securing a prime residence in the Surrey Hills to investing in a commercial property in Brighton or developing land in the Kent countryside.
Bridging loans are short-term financing options designed to cover gaps between property transactions. They’re suitable for various purposes, including breaking property chains and funding auction purchases. With our network of over 250 lenders, including private banks and individual investors, we offer loans up to 80% LTV, and in some cases, up to 90% LTV.
The South East property market is known for its stability and steady growth, particularly in commuter towns and areas of natural beauty. Our deep understanding of this market allows us to craft bridging loan solutions that meet the specific needs of property investors, developers, and homeowners in the region.
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 South East England
Residential Bridging Loans: These loans help homeowners move quickly or break a property chain in popular areas like Guildford or Sevenoaks. They can help you acquire your ideal home before your current property sells.
Commercial Bridging Loans: These are suitable for businesses looking to acquire or refinance commercial properties in key South East business centres such as Reading or Milton Keynes. They provide quick capital to act on market opportunities.
Auction Finance: The South East hosts numerous property auctions, and our auction finance can help you secure properties in competitive bidding situations. This loan type ensures you meet the tight completion deadlines typically associated with auction purchases.
Development Bridging Loans: These loans support property developers working on projects across the South East, from coastal developments in Sussex to urban renewal in Oxford. They can fund the initial stages of development until longer-term finance is arranged.
South East England Property Market Overview
The property market in England remains one of the most robust and attractive in the UK. Recent data from the Land Registry shows average house prices in the region have demonstrated consistent growth, outperforming many other areas of the country.
Key hotspots include towns with excellent transport links to London, such as Sevenoaks and Tunbridge Wells in Kent, and Reigate in Surrey. These areas have experienced strong demand from commuters seeking more space and improved quality of life outside the capital.
The region has also seen significant commercial property developments, particularly in tech hubs like Reading. These areas are drawing substantial investment, driving demand for both commercial and residential properties.
How Bridging Loans Work in South East England
Bridging loans operate on a short-term basis, typically ranging from a few weeks to 18 months. They can be used for any property-related purpose, from buying a new home before selling your current one to acquiring a commercial property for business expansion.
The loan amount is primarily based on the value of the property used as security.
In the South East, where property values are generally high, this can result in substantial loan amounts. We can offer loans up to 80% LTV, and in some cases, up to 90% LTV, depending on the specific circumstances and the strength of your exit strategy.
When applying for a bridging loan, you’ll need to provide details of your exit strategy – typically either the sale of the property or refinancing to a longer-term mortgage. Given the strong property market in the South East, many lenders view exit strategies based on property sales positively.
We can secure bridging loans against various property types in the South East, including residential homes, commercial buildings, and land with or without planning permission. The process is quick, with funds often available within 7-14 days, making it an excellent option for time-sensitive property transactions common in the competitive South East market.
Benefits of Using Bridging Finance London
Extensive Lender Network: Our relationships with over 250 lenders mean we can find the best rates and terms for your specific needs in the South East property market.
Speed and Efficiency: We understand the fast-paced nature of property transactions in desirable South East locations. Our streamlined process ensures you can secure funds quickly, often within days.
Local Market Expertise: Our team has in-depth knowledge of the South East property market, including nearby areas of South London, East London, Croydon and Greenwich, allowing us to provide tailored advice and secure loans that align with local property values and market trends.
Flexible Lending Criteria: Unlike traditional lenders, we can accommodate complex financial situations common among property investors and developers in the South East.
Competitive Rates: Our strong relationships with lenders and understanding of the South East market allow us to negotiate favourable rates for our clients.
Case Study: Seizing Opportunity in Tunbridge Wells
A client approached us needing to act quickly on a unique investment opportunity in Tunbridge Wells. They had found a period property in a prime location, but their current home in Blackheath hadn’t sold yet. The seller was eager for a quick sale, and our client risked losing out to cash buyers.
We arranged a bridging loan of £750,000 within 10 days, allowing our client to secure the property. The loan was set at 70% LTV, with an interest rate of 0.65% per month. The exit strategy was the sale of their existing property, which sold within four months.
This quick bridging solution allowed our client to seize a rare opportunity in a competitive market, demonstrating the effectiveness of bridging finance in the dynamic South East property landscape.
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.
