BRIDGING AND DEVELOPMENT FINANCE
Bridging Loan Broker: Fast Finance With a Planned Exit
Auctions, chain breaks, refurbishments and developments need money faster or more flexibly than a mortgage allows. We find bridging that fits the deadline, then make sure the way out is ready.
Initial consultation free · CeMAP-qualified advice · UK-wide · Read our reviews on Trustpilot ↗
Based in Derby, we work with clients across the UK.
The exit matters more than the rate
Bridging is easy to get into and expensive to stay in. Before we look at lenders, we look at how the loan will be repaid, whether that is a sale, a buy-to-let mortgage or a commercial refinance. Then we choose lenders on total cost and how fast they can complete.
Talk through your mortgage options
Tell us about your plans and circumstances. Your initial consultation is free.
When bridging is the right tool
What it costs
| Cost | Typical range |
|---|---|
| Interest | Charged monthly and priced on risk. Lower loan-to-value and a strong exit get the best rates |
| Arrangement fee | Often around 2% of the loan |
| Exit fee | Some lenders, often 1%. Many charge none |
| Valuation and legal | Yours and usually the lender's |
Read our full bridging loan guide.
Bridging loan calculator
See the gross loan, interest and fees for the money you need. The example rate and fee can be changed to anything you have been quoted.
BRIDGING LOAN CALCULATOR
What will a bridging loan really cost?
Enter what you need to borrow and the property value. The rate and fee are example figures only, so change them to anything you have been quoted. This is an illustration, not a quote.
Two worked examples
Illustration only: an investment purchase. A gross loan of £200,000 for 12 months at 0.85% a month, with a 2% arrangement fee and the interest held back at the start. Interest for the year is £20,400 and the fee is £4,000. You receive about £175,600 and repay £200,000 at the end. The total cost, before valuation and legal fees, is about £24,400. Repaying after 8 months instead of 12 can cut the interest with many lenders.
Illustration only: a broken chain. You find your next home for £400,000 but your buyer pulls out. Your current home is worth £300,000 with £100,000 left on the mortgage. A lender takes security over both homes and lends £420,000 gross for 6 months at 0.8% a month with a 2% fee, the interest held back. When your old home sells, the £200,000 of equity repays part of the bridge and a new mortgage of about £220,000 repays the rest. If the sale takes 9 months instead of 6, the interest grows, which is why the exit plan matters.
More examples are in our bridging loan guide.
A recent case
An auction purchase, refurbished and sold for a profit. Our client bought a property at auction. The completion deadline was too short for a standard mortgage, so we arranged a bridging loan and the purchase completed on time. The client paid for the works from his own funds, then sold the finished property for a profit, and the sale repaid the bridge.
Shared with no personal details. Every case is different and terms depend on the lender.
Plan the exit before you borrow
Every bridging lender asks how you will repay. The most common exits are:
- Sale: the property, or another one you own, is sold. Lenders want realistic prices and a sensible time to sell.
- Refinance to a mortgage: once the work is done or the property is lettable, a buy-to-let, commercial or residential mortgage repays the bridge. We check you will qualify before you start.
- Development exit: a finished scheme moves onto exit finance while the units sell. See our development finance page.
If the exit slips, the interest keeps running. That is why we stress-test the timing and line up the refinance early, not in the last month of the term.
How it works
- Free consultation. The property, the timescale and, most importantly, how the loan will be repaid.
- Exit check. We stress-test your sale or refinance plan before you commit.
- Terms. We compare lenders on total cost and speed, not just the monthly rate.
- Valuation and legal work. We keep valuers and solicitors moving to hit your deadline.
- Completion and refinance. We line up the longer-term mortgage so the exit is ready.
Our broker fee
Your initial consultation is free. Commercial and bridging cases vary in size and complexity, so we confirm our fee in writing before you proceed. Lender, valuation and legal fees are additional.
Bridging Finance FAQs
What is a bridging loan?
A short-term loan secured on property, usually for up to 12 to 24 months, repaid from a sale or a longer-term mortgage.
How fast can bridging complete?
Often in two to four weeks, sometimes faster for simple cases.
How much does bridging cost?
Monthly interest priced on risk, plus an arrangement fee of around 2%, valuation and legal fees, and sometimes an exit fee.
How much can I borrow?
Often up to around 70% to 75% of the property value, gross of fees and retained interest.
Do you arrange development finance?
Yes, for ground-up builds, conversions and heavy refurbishments, with staged drawdowns. See our development finance page.
What is the difference between retained and serviced interest?
Retained interest is held back from the loan at the start, so there is nothing to pay each month but you receive less. Serviced interest is paid monthly, which can let you receive more of the loan but needs income to cover it.
What exit do lenders accept?
Usually a sale, a refinance onto a buy-to-let, commercial or residential mortgage, or money due from another source such as the sale of another property. Lenders want evidence that the exit is realistic within the term.
Can I get a bridging loan with bad credit?
Often, yes. Bridging lenders focus on the property and the exit more than your credit history, although recent problems can affect the rate and how much you can borrow.
Can I repay a bridging loan early?
With many lenders, yes, and you only pay interest for the months you use, sometimes with a minimum period. Check for exit fees and minimum interest before you commit.
Is bridging regulated?
If it is secured on a home you or close family live in. Investment and commercial bridging is usually unregulated.
Is the first consultation free?
Yes. Bridging cases vary, so we confirm our fee in writing before you proceed.
Ready to talk through your project?
Tell us about the property, your deadline and your exit. Your initial consultation is free.
Content written and reviewed by Davi Thakar. Last reviewed 26 October 2026. Bridging loans are secured on property. Your property may be repossessed if you cannot repay at the end of the term. Think carefully before securing other debts against your home. This information is not a personal recommendation.