Find your perfect Bridging Loan with us.
Low cost, flexible, and amazing service.
Loans for homeowners, investors, and property developers.
Market-leading pricing: we access the best lenders for each scenario and negotiate improved terms.
Incredible service from your adviser who will look after you from start to finish.
Ideal for… purchases, refinance, refurbishment, auction purchases, chain breaks and more…
Decisions in hours, funding in days – no upfront fees, no delays.
Borrow from as little £50,000 with no upper limit on loan amounts.
With over 130 Bridging Loan lenders to choose from; we’ll find your perfect loan.
All types of property types accepted; residential, commercial, semi-commercial, and land.
100% purchase price funding available (with additional security or for below market purchases).
Need a Bridging Loan? Speak to our team today and get started…
Book a no obligation call with a broker at a time convenient for you.
Fill in some basic details to receive a quick quote.
We’re always happy to discuss your project, get in touch!
Click on your scenario below to learn more…
- Property Purchases
- Sales "Chain Breaks"
- Refurbishment
- Auction Purchases
- Refinance & Raising Working Capital
Secure Your Next Investment
Need to move quickly to secure a property? Bridging loans provide rapid access to capital, making them a perfect solution for investors, developers, and homebuyers facing tight deadlines.
Common scenarios include:
- Home-owners who need to buy a new property before their current home sells.
- Property developers who need quick funding to take advantage of a great deal.
- Properties that are not currently mortgageable due to repair requirements, or short leases etc.
- Properties where improvements are planned so you can re-finance at a higher value or sell for profit.
What to expect:
- You can typically borrow 75% of the property’s value.
- If you’re refurbishing the property then this can increase to 80% of the current value and then all of your refurbishment costs.
- If the property is being purchased at a discount, or if additional security is available then some options range up to 100% of the purchase price.
- With so many competitive options, interest rates start at 0.55% per month.
- Our lenders offer ‘Automated Valuations’ saving time and costs associated with physical valuations.
- You can choose to use your own solicitor, or save money by sharing a solicitor with the lender.
- Check our FAQs below for further information.
With fast decisions, market leading pricing, and flexible terms, our bridging loans service helps you seize opportunities without delays.
Our brokers will work tirelessly to find the best deal for you, manage your application, and ensure funding is ready in time. Contact us today to explore your funding options and secure your next property with confidence.
Secure Your New Home Quickly
Selling your home can be stressful, especially if:
- Your sale falls through at the last minute…. or
- If you’ve found your dream home but the chain isn’t ready or your home hasn’t sold yet.
With short-term bridging finance, you can secure your new property while waiting for your existing home to sell. Once your sale completes, you simply repay the loan from your sales proceeds.
Key benefits:
- Fast funding to prevent you from losing your ideal property.
- No monthly repayments – interest is rolled up and paid at the end of the term.
- No early repayment charges – clear the loan as soon as your sale goes through.
Bridging loans are ideal if:
- Your buyer pulls out unexpectedly, leaving you in limbo.
- Your new purchase needs refurbishment before qualifying for a traditional mortgage.
- You need to raise capital or complete the transaction quickly.
What to expect:
- You can typically borrow 75% of the property’s value.
- Both your new and current property can be taken as security to reduce or remove the need for a deposit.
- With so many competitive options, interest rates start at 0.55% per month.
- Our lenders offer ‘Automated Valuations’ saving time and costs associated with physical valuations.
- You can choose to use your own solicitor, or save money by sharing a solicitor with the lender.
- Check our FAQs below for further information.
Our brokers will work tirelessly to find the best deal for you, manage your application, and ensure funding is ready in time. Get in touch today to discuss your options and keep your plans on track.
Unlock a Property’s Potential (and profit)
Looking to add value to a property before refinancing or selling?
We arrange refurbishment bridging loans that provide the funding you need to purchase and refurbish the property.
Ideal for property investors and landlords, these loans help finance:
- Light refurbishments, such as new kitchens, bathrooms, and redecoration.
- ‘Medium’ and ‘Heavy’ Refurbishments including reconfiguring layouts, significant extensions, and change of use (i.e. convert to HMO, or from Commercial to Residential)
- See our ‘Development Finance’ page for larger projects and new builds.
There are some fantastic options available to suit all needs:
- Borrow up to 85% of the purchase price (90% for below market value purchases).
- Borrow all of your refurbishment costs.
- Quick and easy drawdowns to fund refurbishment costs to keep on top of cashflow.
- Once the work is complete, you can refinance onto a traditional mortgage or sell for a profit.
Our brokers will work tirelessly to find the best deal for you, manage your application, and ensure funding is ready in time. Speak with our expert team to find the best funding solution for your refurbishment project.
Complete Your Purchase in 28 Days
Winning a property at auction is exciting, but completing the purchase in just 28 days can be a challenge. Your options at this point is to use a bridging loan or fund the whole purchase using cash because standard mortgages can’t move quickly enough. Our auction bridging loans provide the fast funding you need to meet tight deadlines with confidence.
Why choose our auction finance service?
- Same-day in-principle decision – bid with certainty.
- Funds available quickly, ensuring you meet the 28-day (or 56 day) completion deadline.
- Flexible lending – suitable for residential, commercial, and mixed-use properties.
- Loans available for non-standard properties, where high street lenders may not lend.
What to expect:
- You can typically borrow 75% of the property’s value.
- If the property is being purchased at a discount, or if additional security is available then some options range up to 100% of the purchase price.
- Our lenders offer ‘Automated Valuations’ saving time and costs associated with physical valuations.
- You can choose to use your own solicitor, or save money by sharing a solicitor with the lender.
- Check our FAQs below for further information.
If you’re considering an auction purchase, speak to us before you bid – we can help you secure the right finance quickly and smoothly. Our brokers will work tirelessly to find the best deal for you, manage your application, and ensure funding is ready in time.
Unlock the Value in Your Property
Need quick access to funds for a new property purchase, business investment, tax bill, or cash flow? A bridging loan allows you to release equity from your property without long delays or unnecessary hurdles.
We provide fast and flexible funding for:
- Financing a new property purchase quickly.
- Business cash flow – inject funds to keep operations running smoothly.
- Tax liabilities – avoid late payment penalties with quick access to capital.
- Asset purchases – secure opportunities without waiting for traditional finance.
With fast approvals, no early repayment charges, and flexible terms, we make short-term finance straightforward.
What to expect:
- You can typically borrow 75% of the property’s value.
- If you’re refurbishing the property then this can increase to 80% of the current value and then all of your refurbishment costs.
- If the property is being purchased at a discount, or if additional security is available then some options range up to 100% of the purchase price.
- With so many competitive options, interest rates start at 0.55% per month.
- Our lenders offer ‘Automated Valuations’ saving time and costs associated with physical valuations.
- You can choose to use your own solicitor, or save money by sharing a solicitor with the lender.
- Check our FAQs below for further information.
Contact us today to find out how we can help you raise the capital you need, fast. Our brokers will work tirelessly to find the best deal for you, manage your application, and ensure funding is ready in time.
Our customers choose us to arrange their funding because…
Our brokers are not only property finance experts, but are highly trained to deliver exceptional levels of service; no matter your requirements.
We will save you money because we work with all types of lender, and will negotiate the best rates and the flexibility you need.
We will save you time because we’ll find the best loan quickly, and complete as much of the paperwork for you as possible.
We will reduce stress because we take full ownership of sourcing, arranging, and completing your funding; so you can relax knowing it’s all taken care of.
Frequently Asked Questions about Bridging Loans…
What is a bridging loan?
A bridging loan is a short-term mortgage designed to help individuals or businesses access quick funding. It’s commonly used to bridge the gap between buying and selling a property or securing traditional mortgages. See the table above for more details on the most common uses and what to expect.
How can bridging finance be used?
Bridging loans are versatile and can be used for:
• Buying a new property before selling your existing one (chain breaks)
• Auction purchases requiring fast completion
• Buy-to-let or investment property purchases
• Property development and refurbishments
• Lease extensions and otherwise unmortgageable properties
• Raising capital for business or personal needs
You can explore each of these in more detail in our scenario table above.
What’s an exit strategy?
An exit strategy is how you plan to repay the bridging loan.
Common exit strategies include selling the property used as security, or refinancing to a long-term mortgage. Lenders prefer clear exit plans to reduce risk, and having one can help secure better terms.
We understand that sometimes life isn’t this simple, so call us to discuss any complex situations and we will advise you on how to shape your application.
How quickly can I get a loan?
While typically taking 3-5 weeks, bridging loans can be arranged in as little as a few days, depending on the lender, valuation, and legal work. With the right preparation, we can secure funding quickly so you can act fast.
For example, the recent introduction of ‘Automated Valuations’ removes the need for a physical valuation in many cases. We can also use ‘Joint’ legal representation to cut down the time taken to complete legal due diligence.
Can I apply to a lender direct?
Can I have a bridging loan if I already have a mortgage?
Yes. Bridging loans can be taken as a first charge (if no existing mortgage) or a second charge (if you already have a mortgage in place). This allows you to keep your current mortgage while accessing additional funds.
We will spend time with you to build a full picture of your situation – then recommend the best structure for your loan based on your circumstances, objectives, and attitudes towards risk.
Can I borrow 100% of a property’s purchase price?
Yes, in certain circumstances…
Loan amounts are based on the value of the security property. Most lenders offer 75-80% loan-to-value (LTV), but 100% financing is possible if you can provide additional security, or if the property purchase price is lower than the open market value.
How long can I have a bridging loan for?
Bridging loans can be in place from a few days to 36 months, but capped at 12 months if the loan is secured on your home.
The loan term depends on your needs and exit strategy. We’ll work with you to understand your needs and objectives, and ensure the loan term is suitable for your situation.
What’s the process to get a loan?
The key steps include:
- Application & assessment – We review your needs, security property, and exit strategy. At this point, we’ll share an estimate of costs based on the latest market trends.
- We’ll then carry out an exhaustive outreach process, negotiating the best deal from our list of over 130 lenders.
- Full lender application – we’ll complete all of this for you, increasing the chance of a loan approval.
- Valuation & legal work – The lender arranges a property valuation and legal checks on the property.
- Approval & funding – Once approved, funds can be released.
Ready to explore your bridging loan options?
Still unsure if a Bridging Loan is right for you?
Talk to one of our advisors today and we can advise on the best product to suit your individual requirements.
Complete the form below for a quick quote...
Speak to an advisor to find out how we can help you
Simply complete the contact form and one of our brokers will reach out to you.
Alternatively, feel free to contact us directly via the contact details below:
Can’t find what you’re looking for? Just ask…
Explore Our Most Requested Scenarios Below…
- Property Purchase
- Property Refurbishment
- Broken Purchase Chains
- Working Capital Release
- Auction Purchases
Property Purchase
Secure Your Next Investment
Need to move quickly to secure a property? Bridging loans provide rapid access to capital, making them a perfect solution for investors, developers, and homebuyers facing tight deadlines.
Common scenarios include:
• Property developers who need quick funding to take advantage of a great deal.
• Buyers needing planning permission before securing long-term finance.
• Properties with short leases that require lease extensions before becoming mortgageable.
• Properties where improvements are planned so you can re-finance at a higher value or sell for profit.
With fast decisions, market leading pricing, and flexible terms, our bridging loans service helps you seize opportunities without delays.
Our brokers will work tirelessly to find the best deal for you, manage your application, and ensure funding is ready in time. Contact us today to explore your funding options and secure your next property with confidence.
Refurbishment
Unlock a Property’s Potential (and profit)
Looking to add value to a property before refinancing or selling? Our refurbishment bridging loans service provides the funding you need to renovate and move on to your next investment.
Ideal for property investors and landlords, these loans help finance:
• Light refurbishments, such as new kitchens, bathrooms, and redecoration.
• Structural improvements, from including reconfiguring internal layouts to significant extensions and change of use.
• Essential modernisation, increasing property value and appeal.
There are some fantastic options available:
• Borrow up to 80% of the purchase price (90% for below market value purchases).
• Borrow all of your refurbishment costs.
• Quick and easy drawdowns to keep on top of cashflow.
Once the work is complete, you can refinance onto a traditional mortgage or sell for a profit.
Our brokers will work tirelessly to find the best deal for you, manage your application, and ensure funding is ready in time. Speak with our expert team to find the best funding solution for your refurbishment project.
Broken Sales Chain
Secure Your New Home Quickly
Selling your home can be stressful, especially if your sale falls through at the last minute. If you’ve found your dream home but the chain has collapsed, a bridging loan can help you move forward without delay.
With short-term bridging finance, you can secure your new property while waiting for your existing home to sell. Once your sale completes, you simply repay the loan.
Key benefits:
• Fast funding to prevent you from losing your ideal property.
• No monthly repayments – interest is rolled up and paid at the end of the term.
• No early repayment charges – clear the loan as soon as your sale goes through.
Bridging loans are also ideal if:
• Your buyer pulls out unexpectedly, leaving you in limbo.
• Your new purchase needs refurbishment before qualifying for a traditional mortgage.
• You need to raise capital or complete the transaction quickly.
Our brokers will work tirelessly to find the best deal for you, manage your application, and ensure funding is ready in time. Get in touch today to discuss your options and keep your plans on track.
Auction Purchase
Complete Your Purchase in 28 Days
Winning a property at auction is exciting, but completing the purchase in just 28 days can be a challenge. Your options at this point is to use a bridging loan or fund the whole purchase using cash because standard mortgages can’t move quickly enough. Our auction bridging loans provide the fast funding you need to meet tight deadlines with confidence.
Why choose our auction finance service?
• Same-day in-principle decision – bid with certainty.
• Funds available in days, ensuring you meet the 28-day completion deadline.
• Flexible lending – suitable for residential, commercial, and mixed-use properties.
• Loans available for non-standard properties, where high street lenders may not lend.
If you’re considering an auction purchase, speak to us before you bid – we can help you secure the right finance quickly and smoothly. Our brokers will work tirelessly to find the best deal for you, manage your application, and ensure funding is ready in time.
Raising Working Capital
Unlock the Value in Your Property
Need quick access to funds for a business investment, tax bill, or cash flow? A bridging loan allows you to release equity from your property without long delays or unnecessary hurdles.
We provide fast and flexible funding for:
• Business cash flow – inject funds to keep operations running smoothly.
• Tax liabilities – avoid late payment penalties with quick access to capital.
• Asset purchases – secure opportunities without waiting for traditional finance.
With fast approvals, no early repayment charges, and flexible terms, we make short-term finance straightforward.
Contact us today to find out how we can help you raise the capital you need, fast. Our brokers will work tirelessly to find the best deal for you, manage your application, and ensure funding is ready in time.
Property Purchase
Secure Your Next Investment
Need to move quickly to secure a property? Bridging loans provide rapid access to capital, making them a perfect solution for investors, developers, and homebuyers facing tight deadlines.
Common scenarios include:
• Property developers who need quick funding to take advantage of a great deal.
• Buyers needing planning permission before securing long-term finance.
• Properties with short leases that require lease extensions before becoming mortgageable.
• Properties where improvements are planned so you can re-finance at a higher value or sell for profit.
With fast decisions, market leading pricing, and flexible terms, our bridging loans service helps you seize opportunities without delays.
Our brokers will work tirelessly to find the best deal for you, manage your application, and ensure funding is ready in time. Contact us today to explore your funding options and secure your next property with confidence.
Refurbishment
Unlock a Property’s Potential (and profit)
Looking to add value to a property before refinancing or selling? Our refurbishment bridging loans service provides the funding you need to renovate and move on to your next investment.
Ideal for property investors and landlords, these loans help finance:
• Light refurbishments, such as new kitchens, bathrooms, and redecoration.
• Structural improvements, from including reconfiguring internal layouts to significant extensions and change of use.
• Essential modernisation, increasing property value and appeal.
There are some fantastic options available:
• Borrow up to 80% of the purchase price (90% for below market value purchases).
• Borrow all of your refurbishment costs.
• Quick and easy drawdowns to keep on top of cashflow.
Once the work is complete, you can refinance onto a traditional mortgage or sell for a profit.
Our brokers will work tirelessly to find the best deal for you, manage your application, and ensure funding is ready in time. Speak with our expert team to find the best funding solution for your refurbishment project.
Broken Sales Chain
Secure Your New Home Quickly
Selling your home can be stressful, especially if your sale falls through at the last minute. If you’ve found your dream home but the chain has collapsed, a bridging loan can help you move forward without delay.
With short-term bridging finance, you can secure your new property while waiting for your existing home to sell. Once your sale completes, you simply repay the loan.
Key benefits:
• Fast funding to prevent you from losing your ideal property.
• No monthly repayments – interest is rolled up and paid at the end of the term.
• No early repayment charges – clear the loan as soon as your sale goes through.
Bridging loans are also ideal if:
• Your buyer pulls out unexpectedly, leaving you in limbo.
• Your new purchase needs refurbishment before qualifying for a traditional mortgage.
• You need to raise capital or complete the transaction quickly.
Our brokers will work tirelessly to find the best deal for you, manage your application, and ensure funding is ready in time. Get in touch today to discuss your options and keep your plans on track.
Auction Purchase
Complete Your Purchase in 28 Days
Winning a property at auction is exciting, but completing the purchase in just 28 days can be a challenge. Your options at this point is to use a bridging loan or fund the whole purchase using cash because standard mortgages can’t move quickly enough. Our auction bridging loans provide the fast funding you need to meet tight deadlines with confidence.
Why choose our auction finance service?
• Same-day in-principle decision – bid with certainty.
• Funds available in days, ensuring you meet the 28-day completion deadline.
• Flexible lending – suitable for residential, commercial, and mixed-use properties.
• Loans available for non-standard properties, where high street lenders may not lend.
If you’re considering an auction purchase, speak to us before you bid – we can help you secure the right finance quickly and smoothly. Our brokers will work tirelessly to find the best deal for you, manage your application, and ensure funding is ready in time.
Raising Working Capital
Unlock the Value in Your Property
Need quick access to funds for a business investment, tax bill, or cash flow? A bridging loan allows you to release equity from your property without long delays or unnecessary hurdles.
We provide fast and flexible funding for:
• Business cash flow – inject funds to keep operations running smoothly.
• Tax liabilities – avoid late payment penalties with quick access to capital.
• Asset purchases – secure opportunities without waiting for traditional finance.
With fast approvals, no early repayment charges, and flexible terms, we make short-term finance straightforward.
Contact us today to find out how we can help you raise the capital you need, fast. Our brokers will work tirelessly to find the best deal for you, manage your application, and ensure funding is ready in time.
Xcel Finance are proud members of the NACFB, a recognised sign of reassurance and quality for both lenders and borrowers.
