01276 586 377 [email protected]

We’ll find your perfect Bridging Loan fast; with exceptional service

We get you the best bridging deals because we use all types of lender

With a same day decision in principle from a lender, we act fast to secure your financing

Get exceptional service from your dedicated broker who will tailor your solution

We’ll find your perfect Bridging Loan fast; with exceptional service

We get you the best bridging deals because we use all types of lender

With a same day decision in principle from a lender, we act fast to secure your funding

Get exceptional service from your dedicated broker who will tailor your solution

Helping you to Xcel

Best Bridging Rates in the market

Single Broker for full accountability 

Borrow up to 100% of your purchase price

Borrow £10,000 to £100,000,000

Borrow funds for “any legal purpose”

Poor credit and non-status accepted

For your home or investment property

Residential or Commercial property

Rates from 2.5% pa to 2% p.c.m

Anywhere in the UK

Auction purchases

What is it used for?

• Property Purchases

• Refinancing

• Temporary Cashflow Issues

• Short-term working capital

• Auctions

• Renovations

• Short term investment opportunities

Why Xcel?

We created Xcel Finance for property professionals who expect more from their finance broker. We help clients deliver meaningful projects all across the UK, and we create great relationships along the way. We promise that working with us, you’re setting your project up for success.

Arrange Consultation

Bridging Finance is an incredibly useful tool for property investors and developers. Whatever the scenario; our expert brokers will find, negotiate, and arrange the.”best deal for you.”

What is it used for?

• Property Purchases

• Refinancing

• Temporary Cashflow Issues

• Short-term working capital

• Auctions

• Renovations

• Short term investment opportunities

Why Xcel?

We created Xcel Finance for property professionals who expect more from their finance broker. We help clients deliver meaningful projects all across the UK, and we create great relationships along the way. We promise that working with us, you’re setting your project up for success.

Arrange Consultation

Bridging Finance is an incredibly useful tool for property investors and developers. Whatever the scenario; our expert brokers will find, negotiate, and arrange the.”best deal for you.”

” Excellence” The only word for Xcel Finance.

From start to finish Jamie couldn’t be more helpful. Every step explained and executed with professionalism and precision. Finding the best solution for our finance was amazing. With Jamie’s knowledge he fills you with confidence you can achieve your goals.

We can’t recommend Xcel Finance enough.

Terry & Kathy | Brighton | First Time Property Investors

Excellent Exceptional Xcel. Jamie exceeded all expectations with such a cool and calming caring understanding nature, We were definitely an exception to the rule.

We cannot thank him enough for finding funding that has allowed us to finish a very special restoration of a listed building, (grand design dilemma, bank won’t lend money, owners despair)

He is forever in our thoughts, and has restored my faith in the whole financial world, I thought they were all against me, and was petrified of losing our home and all our efforts. Back to work, house to restore and get ready for sale. 

Carol & Kevin | Gloucestershire | Bridging Finance Clients

“Jamie made the process easy and supported us through the whole thing.  No challenge was too big and there was always a way through, around or over.  Thanks for your help it made a huge difference.  We would definitely recommend Excel Finance. 

Matthew | Property Developer | South Wales

“I was amazed how quickly they were able to get my funding in place.  Great service. Would highly recommend Xcel Finance.”

Carol | Gloucestershire | Bridging Finance Customer

” Excellence” The only word for Xcel Finance.

From start to finish Jamie couldn’t be more helpful. Every step explained and executed with professionalism and precision. Finding the best solution for our finance was amazing. With Jamie’s knowledge he fills you with confidence you can achieve your goals.

We can’t recommend Xcel Finance enough.

Terry & Kathy | Brighton | First Time Property Investors

Excellent Exceptional Xcel. Jamie exceeded all expectations with such a cool and calming caring understanding nature, We were definitely an exception to the rule.

We cannot thank him enough for finding funding that has allowed us to finish a very special restoration of a listed building, (grand design dilemma, bank won’t lend money, owners despair)

He is forever in our thoughts, and has restored my faith in the whole financial world, I thought they were all against me, and was petrified of losing our home and all our efforts. Back to work, house to restore and get ready for sale. 

Carol & Kevin | Gloucestershire | Bridging Finance Clients

“Jamie made the process easy and supported us through the whole thing.  No challenge was too big and there was always a way through, around or over.  Thanks for your help it made a huge difference.  We would definitely recommend Excel Finance. 

Matthew | Property Developer | South Wales

“I was amazed how quickly they were able to get my funding in place.  Great service. Would highly recommend Xcel Finance.”

Carol | Gloucestershire | Bridging Finance Customer

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 longer term debt or sell a property.

What can I use bridging finance for?

Downsizing Property Purchase;Auction Purchases;BTL Property Purchase; Development Finance; Refurbishment and Redevelopment; Lease Extensions; Capital Raising; Unmortgageable / Uninhabitable Properties; Chain Break Purchases; and Almost any other legal use.

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 longer term loan. Lenders will generally look for a detailed exit strategy.  It’s possible to set up bridging finance without a clear exit strategy, but the loan will cost more due to the uncertainty.

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 however be limited by the amount of security in place. Up to 80% of the property (or properties’) value can be borrowed.

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 12 month maximum if you live in the property used as loan security.  It’s possible to set up bridging loans with no fixed end date, but there would usually be an end date that corresponds with your exit strategy. 

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, purpose of the loan, and any factors that would require additional underwriting by a lender. 

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. 

Talk to an expert Broker today

01276 586 377

Ask us a question

Talk to an expert Broker today

01276 586 377

Ask us a question

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