Welcome to Bridging Options

Independent bridging loans from leading lenders

We specialise in short-term bridging loans which are usually used to help finance the purchase of residential property or commercial developments.  We provide expert financial solutions for residential and commercial clients across the UK, including bridging loans in London.

Bridging Loan & Development Finance Specialists

Are you looking for a way to ‘bridge the gap’ with fast access to interest-only finance? Bridging loans can be available within 5 – 15 days, depending on your personal finances and the value of the building(s) you are securing the loan against.

Loan periods are typically between 6-12 months and start from £25,000 up to £25 million. Interest can be paid monthly or rolled into the final repayment amount. This means no repayments are made until the loan is repaid in full. For more advice and to speak to a specialist contact us or complete our enquiry form.

What can you use bridging loans for?

Are you looking for a way to ‘bridge the gap’ with fast access to interest-only finance? We specialise in short-term loans which are usually used to help finance the purchase of residential property or commercial developments.

Commercial Bridging Loans

Offering a short-term funding solution for UK businesses, landlords, property developers and land-owners.

Residential Bridging Loans

We can provide you with a fast finance options for residential purchases, helping you to secure the property you want.

Development Finance Loans

Providing good options for property developers who need to make profits on their building developments.

Why Use Our Bridging Loan Service?

Fast Turnaround

Our specialists can provide you with a loan within 5-15 days, often quicker depending on your finances and what you're securing the loan against.

Fast Application

Our advisors make the application process simple with reduced red tape, quickly guiding you through the loan process.

Specialist Knowledge

Speak to a bridging loan specialist about the options available to you by phoning or completing our enquiry form for a call back.

No Exit Fees

Unlike regular mortgages, you can repay the loan early without having to pay an early repayment penalty. Pay when you are ready to do so.

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Frequently Asked Bridging Loan Questions

To learn more about bridging loans for your needs, take a look at some of our most frequently asked questions below, or get in touch today:

As with any fair investment company, and certainly with a mortgage, there are sets of criteria that must be met to secure bridge loans. Typically, you will need to have perfect exit strategies, adequate and steady income, a property that matches the value of the loan, and decent credit history.


Being regulated protects you from any form of mis-selling and bad advice, amongst other things, and allows you to log complaints to the Financial Ombudsman Service.

If, however, you take out a bridging loan that is secured on a property that you, your partner or a close family member do not live in, it is likely to be exempt from FCA regulations. This is often the case for buy to let properties.

Just like a mortgage, you will also need proof of income to secure bridge finance. This is crucial to ensure you can make up for any deficiencies that may arise if the sale of a property falls through.

The approval process is varied, but you can usually expect the process to complete within 1-3 weeks. The processing of your application is much shorter, and you will typically be connected to a lender within 24-48 hours.

The usual length of these loans is 12 months, but the time allotted before payback of the loan can range as high as three years. There are also some forms of bridging that can last for only a few months. But one year is certainly the industry standard based on a typical residential type of bridging.

Yes, you must have some form of acceptable collateral in order to qualify for bridging loans. This is almost always a house that you are placing for sale, but depending on the type of loan you are seeking, this could also come in the form of expensive items like jewellery, vehicles, or something of great value that the lender is willing to accept. You can use a bridging loan calculator to calculate exactly how much you can expect to receive based on the value of your property or the miscellaneous item in question, but it would be worth speaking to a lender first to get approval.

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