Bridging Finance
Use us to arrange the perfect bridging loan for your next project.
Best Bridging Rates in the market, from 0.29% per month
Fast lending decisions, and no up-front fees
Borrow from £100,000, with no upper limit
Borrow up to 100% of your purchase price
Borrow the funds for any legal purpose
Clients with all experience profiles are welcome
Residential and commercial property accepted
Loans secured on your home, or investment property
A no obligation call with one of our experts. Arrange at a time that suits you.
Bridging Finance
Use us to arrange the perfect bridging loan for your next project.
Best Bridging Rates in the market, from 0.29% per month
Fast lending decisions, and no up-front fees
Borrow from £100,000, with no upper limit
Borrow up to 100% of your purchase price
For your home or investment property
Borrow the funds for any legal purpose
Clients with all experience profiles are welcome
Residential and commercial property accepted
Loans secured on your home, or investment property
A no obligation call with one of our experts. Arrange at a time that suits you.
Why choose Xcel Finance to arrange your funding?
Our brokers are not only property finance experts, but are highly trained to deliver exceptional levels of service no matter your requirements. You’ll be appointed a single broker to manage your whole project from start to finish, with the skills and experience to make the following commitments to you.
because we work with all types of lender, and can negotiate the best rates and the flexibility you need.
because we’ll find the best loan quickly, and complete as much of the paperwork for you as possible.
We will reduce your stress
because we’ll take full ownership of sourcing, applying, and completing your funding – so you can rest assured everything’s taken care of.
Why choose Xcel Finance to arrange your funding?
Our brokers are not only property finance experts, but are highly trained to deliver exceptional levels of service no matter your requirements. You’ll be appointed a single broker to manage your whole project from start to finish, with the skills and experience to make the following commitments to you.
We will save you money because we work with all types of lender, and can 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 your stress because we’ll take full ownership of sourcing, applying, and completing your funding – so you can rest assured everything’s taken care of.
Find out more about Bridging Finance
What is a bridging loan?
A bridging loan is a type of short term property backed finance. They are often used to fund you for a period of time whilst allowing you to either refinance to
What can I use bridging finance for?
Downsizing Property Purchase
What’s an exit strategy?
This is how you intend to repay the bridging loan. This could be the sale of a property, or to re-finance with a
How quickly can I get a loan?
Lenders are able to complete bridging loans in a matter of days. It will require a recent property valuation and a solicitor who is able to work very quickly.
Can I apply to a lender direct?
Some lenders do allow direct contact. Given the complexity of this market, we would strongly recommend that you work with a broker to ensure that the product you apply for is fit for purpose based on your situation and objectives. We also have access to products and prices that you won’t have access to direct.
What security will be needed?
So long as it has value, any land or buildings can be used as security for a bridging loan. It can be set up as a ‘first charge’, or it can be set up as a ‘second charge’ if you want to keep your current mortgage in place.
How much can I borrow?
There’s technically no limit to the amount of money that we can raise. We will
Can I borrow 100% of a property’s purchase price?
Yes. If you have an additional property that can be used as security then we are able to arrange finance that gives you 100% of a property’s purchase price.
How long can I have a bridging loan for?
Bridging loans can be set up to be in effect for a few days, or up to five years. Typically, a loan will be 12,18, or 24 months, with a
What’s the process to get a loan?
The key elements of a loan application are about understanding a) the borrower, b) the security property, and c) the exit strategy. The depth of information needed will depend on your circumstances,
Still unsure if Bridging Finance is right for you? Talk to one of our advisors today and we will clear up any concerns or questions you may still have.
Find out more about Bridging Finance
What is a bridging loan?
A bridging loan is a type of short term property backed finance. They are often used to fund you for a period of time whilst allowing you to either refinance to
What can I use bridging finance for?
Downsizing Property Purchase
What’s an exit strategy?
This is how you intend to repay the bridging loan. This could be the sale of a property, or to re-finance with a
How quickly can I get a loan?
Lenders are able to complete bridging loans in a matter of days. It will require a recent property valuation and a solicitor who is able to work very quickly.
Can I apply to a lender direct?
Some lenders do allow direct contact. Given the complexity of this market, we would strongly recommend that you work with a broker to ensure that the product you apply for is fit for purpose based on your situation and objectives. We also have access to products and prices that you won’t have access to direct.
What security will be needed?
So long as it has value, any land or buildings can be used as security for a bridging loan. It can be set up as a ‘first charge’, or it can be set up as a ‘second charge’ if you want to keep your current mortgage in place.
How much can I borrow?
There’s technically no limit to the amount of money that we can raise. We will
Can I borrow 100% of a property’s purchase price?
Yes. If you have an additional property that can be used as security then we are able to arrange finance that gives you 100% of a property’s purchase price.
How long can I have a bridging loan for?
Bridging loans can be set up to be in effect for a few days, or up to five years. Typically, a loan will be 12,18, or 24 months, with a
What’s the process to get a loan?
The key elements of a loan application are about understanding a) the borrower, b) the security property, and c) the exit strategy. The depth of information needed will depend on your circumstances,
Still unsure if Bridging Finance is right for you? Talk to one of our advisors today and we will clear up any concerns or questions you may still have.
Explore our Most Requested Scenarios
Need to act quickly to buy your new home or investment property? Has the sales chain fallen down or broken? We can help.
Selling your home can be stressful, especially if you’ve found your perfect new home, and the chain falters or breaks. Our short-term bridging loans can help you buy your new home while you’re still selling your existing property. And once sold, you simply pay back the bridging loan.
A personal bridging loan gives you the control to buy your new home quickly, even if there’s a break in the chain. So you don’t miss out on the home of your dreams. There are no monthly repayments to make, as interest is rolled-up for the term of the loan. Also, we don’t hit you with early repayment charges if you want to pay off your bridging loan early.
This product is also suitable if:
- Your buyer pulls out late in the purchase process
- Your new purchase needs repairs or other work before a standard mortgage can be used
- If you need to raise money or complete the purchase quickly
Get an ‘in-principle’ decision on the same day from a team you can rely on.
If you’re successful with an auction bid, things move quickly. You’ll need to pay 10% deposit on the day and the full balance of the property within 28 days. Understandably, covering the full balance in less than a month is a big ask for most buyers. This is where short-term bridging finance comes in, helping to ‘bridge’ the gap until a longer term, buy-to-let or commercial loan can be secured.
Our auction finance lending options are designed to offer flexibility as well as speed and efficiency, helping buyers to bid with confidence and complete the process quickly. Our short-term auction finance bridging loans can usually be arranged in a matter of days.
From short-term bridging loans, right through to buy-to-let mortgages, auction finance loans can be an extremely versatile option for residential, semi-commercial and commercial properties, including land.
We cover a wide range of property types, such as non-standard constructions. This allows us to offer loans where other high street lenders may not be able to. So whether you’re a homeowner, investor, business owner or self-employed, you can apply for our auction finance with us.
Bridging loans are mainly used by clients that need quick, short-term capital to fund a property purchase.
They include those who need to complete quickly. This might include property developers, who often have the opportunity to secure a great deal if they can complete quickly.
It’s also common if you have to get planning permission. In order to obtain planning permission and secure development funding, the developer may need immediate access to capital.
When a property has a short lease a borrower will likely be refused a traditional mortgage. A bridging loan can be used to extend the lease, which then makes the property mortgageable through conventional lenders.
This new product is ideal for investors or property landlords who want to purchase a property, carry out light refurbishments and then release their investment quickly to move onto the next project.
If a property needs modernisation, you can go ahead knowing that the money spent on refurbishment could be replenished when the work is completed allowing you to think about your next investment opportunity.
This might typically include the replacement or refurbishment of kitchens and bathrooms, renewal of services, decorative attention or internal re-configuration. It does not include anything that requires planning permission or structural changes.
Want to release equity in your home to buy an asset or refurbish a property? Need funds to pay a bill or improve short-term cash flow? Try talking to us.
When you need to raise funds quickly, you need a lender who understands that speed and service are critical. With Xcel Finance, you could take advantage of our no-nonsense approach to lending that means we often make ‘in principle’ decisions fast. An approach that caters for different property types and customer circumstances, including employed, self-employed, limited companies, LLPs, sole traders and partnerships.
Our specialist team and flexible lending criteria means we can arrange a bridging loan quickly, so you can act fast to make the most of a business opportunity or raise funds for business cash flow and tax liabilities. We offer flexible terms and you can rest assured that we won’t hit you with early repayment charges if you want to pay off your bridging loan early, leaving you to think about your next project.
Explore Our Most Requested Scenarios
- Action Purchases
- Refurbishment
- Broken Purchase Chain
- Working Capital
- Property Purchase
Explore Our Most Requested Scenarios
- Action Purchases
- Refurbishment
- Broken Purchase Chain
- Working Capital
- Property Purchase
Broken Sales Chain
Need to act quickly to buy your new home or investment property? Has the sales chain fallen down or broken? We can help.
Selling your home can be stressful, especially if you’ve found your perfect new home, and the chain falters or breaks. Our short-term bridging loans can help you buy your new home while you’re still selling your existing property. And once sold, you simply pay back the bridging loan.
A personal bridging loan gives you the control to buy your new home quickly, even if there’s a break in the chain. So you don’t miss out on the home of your dreams. There are no monthly repayments to make, as interest is rolled-up for the term of the loan. Also, we don’t hit you with early repayment charges if you want to pay off your bridging loan early.
This product is also suitable if:
- Your buyer pulls out late in the purchase process
- Your new purchase needs repairs or other work before a standard mortgage can be used
- If you need to raise money or complete the purchase quickly
Auction Purchase
Get an ‘in-principle’ decision on the same day from a team you can rely on.
If you’re successful with an auction bid, things move quickly. You’ll need to pay 10% deposit on the day and the full balance of the property within 28 days. Understandably, covering the full balance in less than a month is a big ask for most buyers. This is where short-term bridging finance comes in, helping to ‘bridge’ the gap until a longer term, buy-to-let or commercial loan can be secured.
Our auction finance lending options are designed to offer flexibility as well as speed and efficiency, helping buyers to bid with confidence and complete the process quickly. Our short-term auction finance bridging loans can usually be arranged in a matter of days.
From short-term bridging loans, right through to buy-to-let mortgages, auction finance loans can be an extremely versatile option for residential, semi-commercial and commercial properties, including land.
We cover a wide range of property types, such as non-standard constructions. This allows us to offer loans where other high street lenders may not be able to. So whether you’re a homeowner, investor, business owner or self-employed, you can apply for our auction finance with us.
Property Purchase
Bridging loans are mainly used by clients that need quick, short-term capital to fund a property purchase.
They include those who need to complete quickly. This might include property developers, who often have the opportunity to secure a great deal if they can complete quickly.
It’s also common if you have to get planning permission. In order to obtain planning permission and secure development funding, the developer may need immediate access to capital.
When a property has a short lease a borrower will likely be refused a traditional mortgage. A bridging loan can be used to extend the lease, which then makes the property mortgageable through conventional lenders.
Refurbishment
This new product is ideal for investors or property landlords who want to purchase a property, carry out light refurbishments and then release their investment quickly to move onto the next project.
If a property needs modernisation, you can go ahead knowing that the money spent on refurbishment could be replenished when the work is completed allowing you to think about your next investment opportunity.
This might typically include the replacement or refurbishment of kitchens and bathrooms, renewal of services, decorative attention or internal re-configuration. It does not include anything that requires planning permission or structural changes.
Raising Working Capital
Want to release equity in your home to buy an asset or refurbish a property? Need funds to pay a bill or improve short-term cash flow? Try talking to us.
When you need to raise funds quickly, you need a lender who understands that speed and service are critical. With Xcel Finance, you could take advantage of our no-nonsense approach to lending that means we often make ‘in principle’ decisions fast. An approach that caters for different property types and customer circumstances, including employed, self-employed, limited companies, LLPs, sole traders and partnerships.
Our specialist team and flexible lending criteria means we can arrange a bridging loan quickly, so you can act fast to make the most of a business opportunity or raise funds for business cash flow and tax liabilities. We offer flexible terms and you can rest assured that we won’t hit you with early repayment charges if you want to pay off your bridging loan early, leaving you to think about your next project.
Speak directly with our experts to find our exactly 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:
01276 586377
Broken Sales Chain
Need to act quickly to buy your new home or investment property? Has the sales chain fallen down or broken? We can help.
Selling your home can be stressful, especially if you’ve found your perfect new home, and the chain falters or breaks. Our short-term bridging loans can help you buy your new home while you’re still selling your existing property. And once sold, you simply pay back the bridging loan.
A personal bridging loan gives you the control to buy your new home quickly, even if there’s a break in the chain. So you don’t miss out on the home of your dreams. There are no monthly repayments to make, as interest is rolled-up for the term of the loan. Also, we don’t hit you with early repayment charges if you want to pay off your bridging loan early.
This product is also suitable if:
- Your buyer pulls out late in the purchase process
- Your new purchase needs repairs or other work before a standard mortgage can be used
- If you need to raise money or complete the purchase quickly
Auction Purchase
Get an ‘in-principle’ decision on the same day from a team you can rely on.
If you’re successful with an auction bid, things move quickly. You’ll need to pay 10% deposit on the day and the full balance of the property within 28 days. Understandably, covering the full balance in less than a month is a big ask for most buyers. This is where short-term bridging finance comes in, helping to ‘bridge’ the gap until a longer term, buy-to-let or commercial loan can be secured.
Our auction finance lending options are designed to offer flexibility as well as speed and efficiency, helping buyers to bid with confidence and complete the process quickly. Our short-term auction finance bridging loans can usually be arranged in a matter of days.
From short-term bridging loans, right through to buy-to-let mortgages, auction finance loans can be an extremely versatile option for residential, semi-commercial and commercial properties, including land.
We cover a wide range of property types, such as non-standard constructions. This allows us to offer loans where other high street lenders may not be able to. So whether you’re a homeowner, investor, business owner or self-employed, you can apply for our auction finance with us.
Property Purchase
Bridging loans are mainly used by clients that need quick, short-term capital to fund a property purchase.
They include those who need to complete quickly. This might include property developers, who often have the opportunity to secure a great deal if they can complete quickly.
It’s also common if you have to get planning permission. In order to obtain planning permission and secure development funding, the developer may need immediate access to capital.
When a property has a short lease a borrower will likely be refused a traditional mortgage. A bridging loan can be used to extend the lease, which then makes the property mortgageable through conventional lenders.
Raising Working Capital
Want to release equity in your home to buy an asset or refurbish a property? Need funds to pay a bill or improve short-term cash flow? Try talking to us.
When you need to raise funds quickly, you need a lender who understands that speed and service are critical. With Xcel Finance, you could take advantage of our no-nonsense approach to lending that means we often make ‘in principle’ decisions fast. An approach that caters for different property types and customer circumstances, including employed, self-employed, limited companies, LLPs, sole traders and partnerships.
Our specialist team and flexible lending criteria means we can arrange a bridging loan quickly, so you can act fast to make the most of a business opportunity or raise funds for business cash flow and tax liabilities. We offer flexible terms and you can rest assured that we won’t hit you with early repayment charges if you want to pay off your bridging loan early, leaving you to think about your next project.
Refurbishment
This new product is ideal for investors or property landlords who want to purchase a property, carry out light refurbishments and then release their investment quickly to move onto the next project.
If a property needs modernisation, you can go ahead knowing that the money spent on refurbishment could be replenished when the work is completed allowing you to think about your next investment opportunity.
This might typically include the replacement or refurbishment of kitchens and bathrooms, renewal of services, decorative attention or internal re-configuration. It does not include anything that requires planning permission or structural changes.