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Fast Bridging Finance from £5K to £25M
Get bridge loan approval in 7-14 days with market-leading rates from 0.45% per month
Need fast, flexible property finance in London? Our expert bridging loan specialists provide same-day decisions and rapid completion for all types of property transactions. Whether you're buying at auction, breaking a property chain, refurbishing a development, or need emergency property funding, we have access to 250+ specialist lenders to secure the most competitive bridging finance terms.
With over £500 million in bridging loans arranged and 15+ years of London market expertise, Finance Hub delivers the speed, flexibility and competitive rates you need to capitalize on property opportunities.
- Loan amounts: £50,000 to £10,000,000
- Terms: 1 to 24 months flexible
- LTV: Up to 75% (higher with additional security)
- Completion: As fast as 7-14 days
- Types: Regulated & unregulated bridging
- Charges: First & second charge available
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What is Bridging Finance? | Understanding Bridging Loans
Bridging finance (also known as bridging loans or bridge loans) is a short-term secured lending solution designed to “bridge” the financial gap between buying a new property and selling an existing one, or to provide fast property funding when traditional mortgages aren’t suitable. These flexible loans typically last 1-24 months and are secured against property, offering speeds that traditional lenders cannot match.
In London’s fast-paced property market, bridging finance enables buyers, investors and developers to move quickly on time-sensitive opportunities—from auction purchases to property chains, refurbishment projects to commercial acquisitions.
How Bridging Finance Works
Unlike traditional mortgages that can take months to arrange, bridging loans work differently. They’re based primarily on the value of the property being used as security (the asset) rather than your income or credit history. This makes them ideal for:
- Properties that are uninhabitable or non-standard construction
- Auction purchases requiring completion within 28 days
- Borrowers with complex income or credit situations
- Time-sensitive opportunities requiring fast completion
- Properties being purchased for refurbishment or development
Types of Bridging Finance offered at Finance Hub
We offer a range of Bridging Finance solutions tailored to various needs:
Bridging Loans for Commercial Property
Designed for businesses seeking fast and flexible financing to acquire, develop or renovate commercial properties, commercial bridging loans provide a short term financial boost when traditional funding options may not be feasible. These loans are ideal for investors, developers and business owners needing to secure a property quickly or complete urgent refurbishments.
- ● Fast access to funds for commercial property purchases and refurbishments.
- ● Ideal for businesses unable to secure traditional bank loans in time.
- ● Can be used for office buildings, retail spaces, warehouses and more.
Bridging Loans for Residential Property
A practical solution for property developers, landlords and investors looking to secure short term financing for residential property acquisitions or refurbishments. Whether you need to purchase a buy to let property, renovate a home or bridge a financial gap between property transactions, residential bridging loans offer an effective solution.
- ● Provides quick funding to purchase or refurbish residential properties.
- ● Suitable for landlords, investors and developers working on short term projects.
- ● Helps bridge financial gaps while awaiting mortgage approvals or property sales.
Business Bridging Loans
A short term financial solution for businesses that need immediate cash flow support, business bridging loans help cover urgent financial needs such as working capital shortages, expansion opportunities or unexpected expenses. These loans provide flexibility and speed, making them a valuable tool for business continuity and growth.
- ● Ideal for businesses experiencing temporary cash flow gaps.
- ● Can be used for expansion, payroll or urgent operational costs.
- ● Short term solution while awaiting long term financing options.
Refinancing Bridging Loans
Businesses that require immediate funding while transitioning to long term refinancing solutions can benefit from refinancing bridging loans. These loans provide short term liquidity, ensuring that financial commitments are met while waiting for approvals on longer term financing arrangements.
- ● Helps businesses manage financial obligations during refinancing transitions.
- ● Provides a temporary funding solution until long term financing is secured.
- ● Can be used to pay off existing debts or support business growth.
Do you Require a 'Regulated' or 'Unregulated' Bridging Loan?
We provide comprehensive bridging finance solutions across London for all property types and purposes. From regulated residential bridges to unregulated commercial loans, first charge to second charge facilities, our access to 250+ specialist lenders ensures we find the optimal structure for your needs.
Regulated Bridging
Regulated bridging loans are governed by the Financial Conduct Authority (FCA) and apply when the property being used as security is or will become your main residence, or a second home for personal use.
- Homeowners breaking property chains
- Residential property purchases
- Downsizing while renovating
- Inherited property situations
- Temporary accommodation needs
- Buying before selling completion
Unregulated Bridging
Unregulated bridging loans are not governed by FCA consumer protection rules and are used for commercial purposes, investment properties, or properties not used as your main residence.
- Buy-to-let property purchases
- Commercial property acquisitions
- Development projects
- Property flipping/refurbishment
- Auction finance (non-residential)
- Business premises purchases
First Charge Bridging
A first charge bridging loan means the lender has the primary legal charge over the property. If the loan isn't repaid, they have first priority over the asset before any other creditors.
- Lender in first position
- Lower risk for lender = better rates
- Typically 0.45%-0.99% per month
- LTV up to 75%
- Most common type of bridging loan
- Suitable when no existing mortgage
Second Charge Bridging
A second charge bridging loan sits behind an existing first charge (typically a mortgage). The lender is in second position, meaning they have secondary claim on the property if repayment issues arise.
- Secondary position behind existing charge
- Higher risk = slightly higher rates
- Typically 0.55%-1.2% per month
- Combined LTV up to 75%
- No need to refinance existing mortgage
- Keep favorable existing mortgage terms
Open Bridging Loans
An open bridging loan has no fixed repayment date. You agree to repay within a maximum term (typically 12 months), but the exact date is flexible based on your exit strategy (e.g., property sale).
- No fixed end date
- Maximum term agreed (6-12 months typically)
- Slightly higher rates than closed bridging
- Ideal when sale timings uncertain
- Property on the market without buyer
- Pay when exit completes
Closed Bridging Loans
A closed bridging loan has a specific, agreed repayment date from the outset. You know exactly when the loan will be repaid (e.g., completion of property sale with exchanged contracts).
- Fixed repayment date set
- Lower rates than open bridging
- Specific exit date confirmed
- Contracts exchanged on sale
- Defined completion date
- Typically 0.05%-0.15% cheaper per month
Benefits of Our Bridging Loans
Bridging Finance provides a short term funding solution, allowing you to move quickly on property deals, refinance existing loans or secure urgent funds. It is particularly useful for:
Property purchases
Secure bridging finance to purchase commercial or investment properties without waiting for long-term financing.
Cash flow management
Cover operational expenses, payroll or unexpected costs while awaiting incoming payments.
Growth opportunities
Invest in new ventures, equipment or stock to drive business expansion.
Auction purchases
Act quickly on time sensitive property deals by securing immediate funding.
100% Bridging
We don't offer any other kinds of finance. We're a bespoke lender with unrivaled experience in the property market.
Proven Track Record
We've lent millions to Scottish property developers and investors every single year, for the last 14 years.
Ready to Bridge the Gap to Your Business Success?
Steps to apply for a bridging loan
At Finance Hub, we ensure a transparent and straightforward application process, adhering to the following criteria:
1- Visit our Website
Navigate to the Finance Hub website and access the Bridging Finance section.
2- Fill Application Form
Fill out the online application with your details and loan requirements.
3- Assessment
Our team evaluates your application and project feasibility.
4- Approval
Once approved, receive your funds quickly.
Why Choose Us
Why Choose Finance Hub for Bridging Finance?
We offer quick approvals and efficient processing, ensuring that businesses receive the funds they need without unnecessary delays.
Fast and flexible
We offer quick approvals and efficient processing, ensuring that businesses receive the funds they need without unnecessary delays.
Expert Support
Our team of financial specialists is dedicated to guiding you through the entire process, ensuring a seamless experience from application to repayment.
Competitive rates
Our Bridging Finance solutions come with transparent terms and competitive interest rates, making short term borrowing more manageable.
Tailored Solutions
Every business is unique and so are our financing options. We work closely with our clients to provide bespoke funding solutions that align with their needs.
Terms and conditions
1.1 These Terms and Conditions govern the provision of Bridging Finance services by Finance Hub.
1.2 By applying for or accepting a Bridging Finance loan, you agree to be bound by these terms.
2.1 Bridging loans are available from £5,000 to £20,000,000.
2.2 Approval decisions are typically provided within 24 hours.
2.3 Funds may be disbursed within 24 hours after final approval, subject to due diligence.
3.1 Minimum borrower age: 18 years old.
3.2 Loans are available for properties located in England, Wales and Scotland (excluding Northern Ireland).
3.3 Eligible property types: Residential, mixed-use and commercial properties.
3.4 First charge is required, but second charge may be considered on a case-by-case basis.
3.5 Maximum Loan to Value (LTV) is 75%, with the potential to increase to 100% if additional security is provided.
3.6 Available to UK residents, non-residents, UK companies and trusts.
3.7 All credit profiles are considered.
4.1 Repayment terms range from 3 to 12 months.
4.2 Early repayment is allowed, with certain options available without early settlement penalties.
4.3 Loans may be secured or unsecured, depending on borrower circumstances.
4.4 Competitive interest rates starting at 0.55% per month.
4.5 Arrangement fees typically 2% of the total loan amount.
4.6 Exit fees may apply, depending on loan terms.
Bridging loans may be used for:
5.1 Property purchases (commercial, residential or investment).
5.2 Cash flow management, including operational expenses and payroll.
5.3 Business growth, including new ventures, stock purchases and equipment investments.
5.4 Auction property purchases requires immediate funding.
5.5 Refinancing existing loans while awaiting long-term financing solutions.
Loan process follows the same steps as mentioned above.
7.1 Valuation Fees: A property valuation is required prior to loan approval.
7.2 Arrangement Fees: Typically 2% of the total loan amount.
7.3 Exit Fees: Some lenders may charge a redemption fee when the loan is repaid early.
7.4 Other Fees: Any additional charges will be clearly disclosed before the loan agreement is signed.
8.1 Failure to make timely repayments may result in additional interest charges and penalties.
8.2 In cases of default, Finance Hub reserves the right to take legal action to recover the loan amount.
8.3 Borrowers are encouraged to contact Finance Hub in advance if they anticipate difficulties in repayment
9.1 Loans are subject to Finance Hub’s approval process and compliance checks.
9.3 Finance Hub complies with all relevant UK financial regulations and lending laws.
9.4 Borrowers may be required to provide additional documentation, including proof of identity, financial statements and security details.
10.1 Finance Hub reserves the right to amend these terms and conditions at any time.
10.2 Changes will be communicated via our website or direct borrower communication.
10.3 Finance Hub may terminate a loan agreement in cases of fraud, misrepresentation or breach of contract.
Borrow £5k to £25million Within Days
Frequently asked questions (FAQs)
Bridging Finance is a short term loan designed to help businesses and property investors secure funding quickly while arranging long term financing or waiting for other funds to be released.
Funds can be available within 24 hours of approval, depending on the loan type and requirements.
No, we consider all credit profiles, including those with poor credit history.
1- Development Finance Loans are tailored for specific development needs.
2- Bridging Loans are short term funding solutions.
3- Private Investors are funds from venture capitalists or angel investors.
4- Equity Partnerships are shared costs and profits with partners.
5- Conventional Bank Loans are suitable for low risk projects with strong financial profiles.
No, we consider all credit profiles, including those with poor credit history.
Bridging loans can be used for purchasing property, refinancing, business cash flow, auction purchases and property development, among other needs.
We offer a maximum Loan-to-Value (LTV) of 75%, but this can be increased to 100% with additional security.
No, we provide transparent terms with no hidden or excessive fees.
Our bridging loans have flexible repayment terms ranging from 3 to 12 months.