Residential | Commercial | Mixed use | Speculative
We offer prompt, flexible residential, commercial and mixed‑use bridging loans, designed to keep property transactions moving when timing is critical. Suitable for purchases, refinances, auction completions and value‑add or speculative projects, our approach combines common‑sense underwriting, direct access to experienced decision‑makers and a clear route to exit.
We provide bridging finance for experienced property investors across England and Scotland. Our property bridging loan solutions support residential, commercial and mixed‑use property, helping clients complete time‑sensitive transactions with confidence and certainty from day one.
Whether you need bridging loan finance for a purchase, refinance or short‑term investment opportunity, our commercial bridging finance and property bridging finance solutions are structured to move quickly while remaining robust and transparent.
Why choose our bridging finance loan
Direct access to the Head of Bridging for quick, informed decisions
Ability to convert your bridge into a longer‑term loan (bridge‑to‑term) where appropriate
No valuation fee payable until the loan is approved, helping reduce upfront costs
Interest roll‑up options may be available within LTV limits
Legal checks can be streamlined using title indemnity (where suitable) to help speed up completion **
Lending criteria for bridging loans on property
*All enquiries are assessed on a case‑by‑case basis by the Head of Bridging and Credit Underwriting to determine leverage and pricing. Rates are indicative of the typical bridging pricing range. Product/rates can be removed at any time.
**Cambridge & Counties Bank Limited is the insured party, please refer to the Facility Letter for further information where applicable. Exclusions apply. Powered by our partnership with Westcor’s Perfect Title product, and shaped by broker feedback and customer insight
Bridge-to-term
Commercial | Residential | Mixed use
Our bridge‑to‑term offering provides a clear exit from day one, allowing clients to transition smoothly onto a longer‑term loan without disruption. This reduces risk, improves planning and gives borrowers confidence throughout the process.Â
Where a bridging loan exits onto a term facility with us, there is typically one valuation and one set of legal fees, helping to reduce costs and speed up completion. This approach can be particularly valuable for bridging loan investment strategies that require certainty around longer‑term funding.Â
Key highlightsÂ
- Same experienced contact throughout the life of the bridging finance loan and into a term loanÂ
- Indicative facility letter for the proposed long‑term loan, subject to credit assessment and approval at the time***
- One valuation and one set of legal fees when exiting onto our term facilityÂ
***All indicative term loans, facility letters and quotes will be reassessed by the credit underwriting department at the end of the bridge to determine both leverage and pricing. The interest rates are indicative of the typical commercial, residential or mixed-use pricing available at the time.
STEP. 1 DISCUSS
Get in touch with us via email, phone, or the form below. Once we’ve taken details on the preferred borrowing structure, one of our bridging team will get back to you within 24 hours.
Get in touch with our Head of Bridging
Our experienced Head of Bridging is on hand to support you throughout the journey, providing expert guidance to help make your bridging loan process as smooth as possible.Â
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Stephen Parr
Head of Bridging
07485 314 192
Frequently asked questions
A bridging loan is short‑term bridging finance secured by a first legal charge. It’s commonly used to complete a purchase, refinance, support an auction completion or undertake value‑add or speculative works ahead of longer‑term finance. Typical terms are 1–24 months and applications are assessed on a case‑by‑case basis. No valuation fee is payable until the loan is approved.
Bridging finance provides fast access to funding when timing is critical, such as securing a property at auction, bridging to sale or refinance, or completing works prior to moving onto a term facility.
Yes. We offer commercial bridging finance on eligible commercial property types, typically up to 70% LTV* of vacant possession, subject to underwriting and criteria.
A property bridging loan can support purchases, refinances, auction completions and suitable speculative or value‑add projects. Availability is for experienced property investors only and each case is assessed individually.
We lend on qualifying property in England, Scotland & Wales, secured by a first legal charge. All subject to our lending criteria.
Loan sizes typically range from £500k to £5m*, with terms from 1–24 months. LTVs are assessed based on property type and use, and all cases are reviewed individually.
Yes. Bridging loan investment strategies - such as acquiring or improving a property before refinancing or sale - may be supported where experience, asset quality, leverage and exit route meet our criteria.
Bridging finance on property is secured by a first legal charge. We may also take debentures and PGs when lending to a limited company. Legal checks may be streamlined using title indemnity** where suitable to help reduce administration and support faster completion.
Yes. Our bridge‑to‑term approach provides a defined exit into longer‑term finance, typically benefiting from one valuation and one set of legal fees when exiting onto our term facility, subject to approval at the time.***
Haven’t quite found what you’re looking for?
Get in touch with our experienced team or take a look at our Useful documents and FAQs page.
For general enquiries please contact:
Existing customers please contact: