UK property — bridging finance for investment, development and commercial projects

About Us

Most Brokers Go to Any Lender.
We Structure the Deal

Right lender. Right terms. Clear exit. Every deal structured from day one.

Our Story

Built on Experience. Driven by Results.

bridging.fund was founded on a simple observation: too many property developers and investors were being let down by brokers who couldn't structure complex deals and didn't have the right funding relationships to get them across the line. They'd send the same application to a handful of familiar lenders, hope for the best, and wonder why the answer kept coming back no (or, worse, yes at an eye-watering cost).

We built this business to do the opposite: understand the deal first, then place it with the right one of the 158 lenders active in the market, including private funds and international capital with a genuine appetite to lend on competitive terms.

Based in the Northwest but operating across England, Wales and Scotland, we arrange finance from £200k to £100m+, from straightforward purchases to large commercial developments. Every deal is presented to the right lender, in the right format, at the right time.

Lenders active in the market include some of the world's largest funds, whose lending appetite starts at £100m. Whether your deal is £200k or nine figures, the same structuring discipline applies.

That's why our deals complete, and why clients come back.

We arrange finance across the UK, Ireland, the Channel Islands and the Isle of Man.

158

Lenders active in the market

5–7

Working days, typical completion

4hrs

Indicative terms

£100m+

Maximum deal size (from £200k)

Who We Work With

Clients Who Need More Than a Rate Comparison

Property Investors

Portfolio landlords, HMO operators, and commercial investors who need fast capital for acquisitions, refinancing, or releasing capital from their portfolio, without disturbing existing lending arrangements.

Quick purchase finance →

Property Developers

From land acquisition through to development exit: bridging the gap between buying a site and securing long-term development finance, or refinancing out of expensive build loans once units are complete.

Development exit finance →

Businesses & Entrepreneurs

Business owners who need to move quickly, whether it's a tax bill, a time-sensitive acquisition, cash flow bridging, or unlocking equity tied up in commercial property to fund growth.

Capital raising →

Introducers & Intermediaries

Solicitors, accountants, architects, financial advisers, mortgage brokers, and estate agents who refer clients needing short-term property finance. We handle the funding, you maintain the client relationship.

Introducer programme →

Why Us

What Makes bridging.fund Different

Deal structuring, not deal processing
We structure your deal before it reaches any lender. We package the information, answer the likely objections upfront, and present the opportunity in the format that lender wants to see. That is the difference between "application submitted" and indicative terms within 4 hours on straightforward deals, often quicker.

158 lenders active in the market
Lenders active in the market go beyond the usual high-street and challenger banks: private funds, family offices, UHNW individuals and international capital providers. For complex or unconventional deals, it means we can often find a route.

Speed that doesn't sacrifice diligence
Indicative terms within 4 hours on straightforward deals, often quicker. Completion typically in 5–7 working days. One example: £250k, Salford - completed in 48 hours, June 2025. The right lender accepted a desktop valuation, which allowed for a quick process. We hit these timelines consistently because we prepare your deal properly before it reaches the lender. No corners get cut. When a deal is well-structured, lenders move faster. It's that simple.

Total transparency on costs
You'll know the total cost of borrowing before you commit: rate, arrangement fee, exit fee, legal costs, valuation. Everything. We built a public calculator and a full rates page because we believe you shouldn't have to call three brokers just to understand what bridging finance costs.

One point of contact, start to finish
No call centres. No being passed around. Your deal is managed by a single specialist who understands your project, coordinates with the lender, chases solicitors, manages the valuation, and keeps you informed at every step. When you call, we answer.

Conventional or unconventional, we structure both
Complex structures, unconventional properties, tight deadlines, adverse credit, land without planning, cross-border deals: we've seen it all and we've funded most of it. If a mainstream broker has said no, that's often where we start. See our case studies for examples.

Our fee, in writing, generally paid on completion
Our fee is generally 1% of the gross loan, paid on completion. On complex deals there may be an application fee. We put every fee in writing before you commit. Third-party costs such as the valuation are separate. The lender instructs the valuer, because the report is for the lender. You pay for it, either directly to the valuer or through the lender, who takes the fee upfront.

Most of our business comes from repeat clients and referrals
Most of our business comes from repeat clients and referrals. When you deliver consistently, people come back and they tell others. Each testimonial on this site comes from a real deal. Read what our clients say.

How We Work

Most Brokers Find a Lender.
We Structure the Deal.

01

We Understand Your Project

Before we speak to a single lender, we understand the property, the plan, the exit strategy, and the timeline. It's how we present your deal properly.

02

We Match the Deal to the Lender

Every lender has a sweet spot: the deal type, size, and profile it actively wants. We match each deal to a lender with a real appetite for that asset, that loan, that borrower and that track record.

03

We Manage the Process

From solicitor instruction to valuation to completion, we coordinate every moving part. You have a single point of contact who owns the deal from start to finish.

As a business operating in property finance, we also take our wider responsibilities seriously. See our ESG commitments for our approach to environmental, social, and governance considerations.

Your First Call

Who You'll Speak To

Justin, Principal, bridging.fund

Principal

Justin

Justin set up bridging.fund to do one thing well: get property deals structured properly before they reach a lender. He works on deals directly, so the person you speak to is the person who understands your project.

0330 223 7872

How we write our guides

Our guides are researched and drafted with digital tools, then written and approved by Justin, Principal, from his own experience.

Let's Talk About Your Project.

No obligation, no pressure. Just a conversation about what you're trying to achieve. If we can respond immediately we will, otherwise we'll call you back the same working day, often within a couple of hours.

Discuss your deal
0330 223 7872 WhatsApp Email

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