Short-Term Finance Specialists
Bridging Finance.
Structured Properly.
Assessed, structured and costed. Expertly presented, lender-ready, for a fast, positive decision at the right price.
- Interest rolled up, repaid at exit
- All lender types, including private funds and family offices
- Complex deals welcome
1,214
Live Products
£200k–£100m+
Loan Size
4hrs
Indicative Terms
5–7 working days
Typical Completion
est. 2014
Established
What bridging costs today
Bridging rates start from 0.50% a month
First charge, under 50% loan-to-value, straightforward cases. Development exit is priced case by case. Lender’s fees are on top. These are the starting rates in our data from 131 lenders, updated 29 October 2026.
Our completed deals over the last 12 months averaged around 0.85% a month. Most were complex cases.
Example: £500,000 for 12 months
Interest rolled up and repaid at the end, so no monthly payments.
-
At 0.50% a month (straightforward case)
£40,000
- Interest
- £30,000
- Lender arrangement fee (1%; lender fees typically 1–2%)
- £5,000
- Our fee (1% of the gross loan, generally on completion)
- £5,000
-
At 0.85% a month (our recent average)
£61,000
- Interest
- £51,000
- Lender arrangement fee (1%; lender fees typically 1–2%)
- £5,000
- Our fee (1% of the gross loan, generally on completion)
- £5,000
Plus valuation and legal fees. Valuation nil to about £100 for a desktop valuation and up to about £2,000 for a full one, plus VAT, on a loan of about £200k; legal about £1,500–£2,000 plus VAT for each side on a loan of about £200k (more on larger or complex loans).
Illustrative: every case is priced individually.
Live market data: 1,214 products from the 158 lenders active in the market, updated 29 October 2026. Rates by product and LTV →
What We Do
Bridging Loans, Structured Properly. Funded Fast.
Whether you're purchasing property, raising capital, funding a refurbishment, or bridging a financial gap — we find the right lender, structure the deal, and get it over the line. Arranging short-term finance across England, Wales and Scotland, from £200k to £100m+, every deal gets the same level of expertise and attention. No monthly payments — interest is generally rolled up and repaid at exit. New to bridging? Start with our complete guide, read the in-depth 2026 bridging finance guide, or browse the full resource library.
Property Investors
Buying, refinancing, or raising capital against commercial and investment property.
Developers
Land acquisition, planning, refurbishment, construction bridging, and development exit.
Businesses
Cash flow, acquisitions, tax payments, and growth funding secured against property.
Intermediaries
Solicitors, architects, brokers, and advisors who refer clients needing property finance.
Live lender data
158 current lenders
as at 29 October 2026, updated daily
High-street and challenger banks, specialist lenders, private funds, family offices and international capital. We match your deal to the right one, not whoever pays us the highest commission.
- High-street and challenger banks
- Specialist lenders
- Private funds
- Family offices
- International capital
Sound Familiar?
If You've Been Let Down by a
Lender or Broker Before, You're Not Alone.
Promised Speed, Got Delays
You were told it would complete in two weeks. Three months later, you're still chasing updates and your deal is at risk.
Headline Rates That Changed
The rate you were quoted at the start wasn't the rate at completion. Hidden fees appeared, and the total cost was nothing like what you expected.
Turned Down With No Explanation
The deal was submitted, the lender declined it, and nobody could explain exactly why — or what to do next. Back to square one.
Deals fail when they reach a lender unprepared. So we consider and structure the proposal carefully, present you and your deal clearly, and place it with a lender that suits it, one with the appetite and pricing to fund you and your project.
Learn how we're differentOur Products
What We Finance
Specialist short-term finance solutions for every scenario. Unregulated lending for investors, developers, and businesses.
Quick Purchase
Decisions in hours, completion in days.
Refurbishment Works
Light to heavy renovation funding.
Property Development
Acquire, hold, or prepare sites.
Auction Finance
We typically complete auction purchases in 5 to 14 working days.
Commercial & Standing Assets
Offices, retail, industrial, mixed-use.
Capital Raising
Unlock equity in property you own.
Client Feedback
What Property Professionals Say
“Had 10 days to complete or we’d lose the site. They had terms from a lender within 24 hours and we exchanged on day 9. Can’t ask for more than that.”
J.T., Manchester
Property Developer
“Two brokers turned my deal down. bridging.fund looked at it differently, restructured the funding across two charges, and got it over the line. Genuinely impressed.”
S.W., London
Portfolio Investor
“For the first time I actually knew what the finance would cost before I committed. No surprises at completion. I wish every broker operated like this.”
M.H., Leeds
Development Director
“Good service overall and they found us a competitive rate. Took slightly longer than originally quoted but they kept us informed throughout. Would use again.”
D.P., Birmingham
Property Investor
“Bought at auction on Friday, had terms by Monday, completed within the 28 days. Exactly the kind of speed you need when the clock is ticking.”
C.B., Liverpool
Auction Buyer
“We had a plot with no planning permission and most lenders wouldn’t touch it. They found one who understood the site and we got the deal done at a sensible rate.”
A.M., Cheshire
Land Developer
“Switched to bridging.fund after a terrible experience with another broker who wasted three weeks. These guys had my offer within 48 hours. Night and day difference.”
N.A., Sheffield
Residential Investor
“Complex deal — three sites, mixed use, different stages of refurb. They packaged it properly and placed it with a lender who actually understood the portfolio.”
R.C.
Portfolio Developer
“Third deal with these guys now. They already know what I need before I’ve finished explaining it. Makes everything quicker.”
M.E., Bolton
Property Developer
“Had to chase a couple of times for updates during the valuation stage, but the end result was spot on. Rate was better than I expected and completion was smooth.”
P.G., Stockport
Commercial Investor
“Straightforward, no nonsense. Did exactly what they said they would. Refreshing.”
K.P., Wakefield
BTL Investor
“First time using bridging finance and I was nervous about the whole process. They explained everything clearly, no jargon, and completed two weeks ahead of schedule.”
L.F., Preston
First-Time Investor
“You can tell they actually care about getting it right, not just getting it done. Structured my deal in a way I hadn’t considered and saved me about £15k in the process.”
D.K., Nottingham
Property Developer
“Unusual commercial deal that took longer than a standard bridge, but to be fair they warned me upfront it wouldn’t be quick. Got there in the end at a fair rate.”
S.B., York
Commercial Developer
“Refinanced four properties out of an existing bridge that was expiring. They moved fast, kept the costs down, and made what could have been stressful feel manageable.”
E.R., Manchester
Portfolio Investor
“Probate property that needed moving quickly before the estate got complicated. They understood the urgency and delivered. Completed in 11 working days.”
G.H., Warrington
Private Buyer
Results That Speak
Recent Deals
Commercial Purchase — Manchester
Receiver-led sale, 10-day deadline. Terms agreed in 24 hours, completed on day 9.
Land with Planning — Leeds
"Three lenders had turned this down. We found the right fit and secured terms within 48 hours."
48-Hour Bridge — Salford
£250k, Salford - completed in 48 hours, June 2025. The right lender accepted a desktop valuation, which allowed for a quick process.
Total Transparency
Know Your Costs
Before You Commit
Our total cost calculator shows you everything — rate, arrangement fee, exit fee, legal costs, and total cost of borrowing. No surprises. No hidden charges.
Calculate My CostsReady to Talk?
Whether you have a deal that needs structuring, a project that needs funding, or you simply want to explore your options. If we can respond immediately we will, otherwise we'll call you back the same working day, often within a couple of hours.