Our Bridging Loans are low cost, fast, flexible, and hassle free
Quick bridging finance for homeowners, investors, and developers.
Your adviser will arrange the perfect bridging loan for you.
Market-leading pricing: as we know the best lender for each scenario and negotiate the best terms.
Incredible service from your broker who will look after you from start to finish.
Ideal for… home-owner purchases, refurbishment, auction purchases, and chain breaks.
Decisions in hours, funding in days – no upfront fees, no delays.
Borrow from as little £50,000 with no upper limit.
Over 130 Bridging Loan lenders to choose from, a true ‘Whole of Market’ service.
All types of property accepted; residential, commercial, semi-commercial, and land.
100% purchase price funding available (with additional security or for below market purchases).
Need a Bridging Loan? Speak to our team today and get started…
Book a no obligation call with a broker at a time convenient for you.
Explore our most requested uses for bridging loans…
Secure Your Next Investment
Need to move quickly to secure a property? Bridging loans provide rapid access to capital, making them a perfect solution for investors, developers, and homebuyers facing tight deadlines.
Common scenarios include:
• Property developers who need quick funding to take advantage of a great deal.
• Buyers needing planning permission before securing long-term finance.
• Properties with short leases that require lease extensions before becoming mortgageable.
• Properties where improvements are planned so you can re-finance at a higher value or sell for profit.
With fast decisions, market leading pricing, and flexible terms, our bridging loans service helps you seize opportunities without delays.
Our brokers will work tirelessly to find the best deal for you, manage your application, and ensure funding is ready in time. Contact us today to explore your funding options and secure your next property with confidence.
Unlock a Property’s Potential (and profit)
Looking to add value to a property before refinancing or selling? Our refurbishment bridging loans service provides the funding you need to renovate and move on to your next investment.
Ideal for property investors and landlords, these loans help finance:
• Light refurbishments, such as new kitchens, bathrooms, and redecoration.
• Structural improvements, from including reconfiguring internal layouts to significant extensions and change of use.
• Essential modernisation, increasing property value and appeal.
There are some fantastic options available:
• Borrow up to 85% of the purchase price (90% for below market value purchases).
• Borrow all of your refurbishment costs.
• Quick and easy drawdowns to keep on top of cashflow.
Once the work is complete, you can refinance onto a traditional mortgage or sell for a profit.
Our brokers will work tirelessly to find the best deal for you, manage your application, and ensure funding is ready in time. Speak with our expert team to find the best funding solution for your refurbishment project.
Secure Your New Home Quickly
Selling your home can be stressful, especially if:
- Your sale falls through at the last minute…. or
- If you’ve found your dream home but the chain isn’t ready or your home hasn’t sold yet.
With short-term bridging finance, you can secure your new property while waiting for your existing home to sell. Once your sale completes, you simply repay the loan.
Key benefits:
• Fast funding to prevent you from losing your ideal property.
• No monthly repayments – interest is rolled up and paid at the end of the term.
• No early repayment charges – clear the loan as soon as your sale goes through.
Bridging loans are also ideal if:
• Your buyer pulls out unexpectedly, leaving you in limbo.
• Your new purchase needs refurbishment before qualifying for a traditional mortgage.
• You need to raise capital or complete the transaction quickly.
Our brokers will work tirelessly to find the best deal for you, manage your application, and ensure funding is ready in time. Get in touch today to discuss your options and keep your plans on track.
Complete Your Purchase in 28 Days
Winning a property at auction is exciting, but completing the purchase in just 28 days can be a challenge. Your options at this point is to use a bridging loan or fund the whole purchase using cash because standard mortgages can’t move quickly enough. Our auction bridging loans provide the fast funding you need to meet tight deadlines with confidence.
Why choose our auction finance service?
• Same-day in-principle decision – bid with certainty.
• Funds available in days, ensuring you meet the 28-day completion deadline.
• Flexible lending – suitable for residential, commercial, and mixed-use properties.
• Loans available for non-standard properties, where high street lenders may not lend.
If you’re considering an auction purchase, speak to us before you bid – we can help you secure the right finance quickly and smoothly. Our brokers will work tirelessly to find the best deal for you, manage your application, and ensure funding is ready in time.
Unlock the Value in Your Property
Need quick access to funds for a business investment, tax bill, or cash flow? A bridging loan allows you to release equity from your property without long delays or unnecessary hurdles.
We provide fast and flexible funding for:
• Business cash flow – inject funds to keep operations running smoothly.
• Tax liabilities – avoid late payment penalties with quick access to capital.
• Asset purchases – secure opportunities without waiting for traditional finance.
With fast approvals, no early repayment charges, and flexible terms, we make short-term finance straightforward.
Contact us today to find out how we can help you raise the capital you need, fast. Our brokers will work tirelessly to find the best deal for you, manage your application, and ensure funding is ready in time.
Our customers choose us to arrange their funding because…
Our brokers are not only property finance experts, but are highly trained to deliver exceptional levels of service; no matter your requirements.
We will save you money because we work with all types of lender, and will negotiate the best rates and the flexibility you need.
We will save you time because we’ll find the best loan quickly, and complete as much of the paperwork for you as possible.
We will reduce stress because we take full ownership of sourcing, arranging, and completing your funding; so you can relax knowing it’s all taken care of.
Answers to some Frequently Asked Questions about Bridging Loans…
What is a bridging loan?
How can bridging finance be used?
• Buying a new property before selling your existing one (chain breaks)
• Auction purchases requiring fast completion
• Buy-to-let or investment property purchases
• Property development and refurbishments
• Lease extensions and otherwise unmortgageable properties
• Raising capital for business or personal needs
If you need fast, flexible funding, speak to us today to see how bridging finance can work for you.
What’s an exit strategy?
We understand that sometimes life isn’t this simple, so call us to discuss any complex situations and challenge us to find a solution.
How quickly can I get a loan?
Can I apply to a lender direct?
Can I have a bridging loan if I already have a mortgage?
Can I borrow 100% of a property’s purchase price?
How long can I have a bridging loan for?
What’s the process to get a loan?
1. Application & assessment – We review your needs, security property, and exit strategy.
2. We’ll then carry out an exhaustive outreach process, negotiating the best deal from our list of over 130 lenders.
3. Valuation & legal work – The lender arranges a property valuation and legal checks.
4. Approval & funding – Once approved, funds can be released in days, not months.
Ready to explore your bridging loan options?
Still unsure if a Bridging Loan is right for you?
Talk to one of our advisors today and we can advise on the best product to suit your individual requirements.
Speak to an advisor to find out how we can help you
Simply complete the contact form and one of our brokers will reach out to you. Alternatively, feel free to contact us directly via the contact details below:
Can’t find what you’re looking for? Just ask…
Search the site for the information you need..
Explore Our Most Requested Scenarios Below…
- Property Purchase
- Property Refurbishment
- Broken Purchase Chains
- Working Capital Release
- Auction Purchases
Property Purchase
Secure Your Next Investment
Need to move quickly to secure a property? Bridging loans provide rapid access to capital, making them a perfect solution for investors, developers, and homebuyers facing tight deadlines.
Common scenarios include:
• Property developers who need quick funding to take advantage of a great deal.
• Buyers needing planning permission before securing long-term finance.
• Properties with short leases that require lease extensions before becoming mortgageable.
• Properties where improvements are planned so you can re-finance at a higher value or sell for profit.
With fast decisions, market leading pricing, and flexible terms, our bridging loans service helps you seize opportunities without delays.
Our brokers will work tirelessly to find the best deal for you, manage your application, and ensure funding is ready in time. Contact us today to explore your funding options and secure your next property with confidence.
Refurbishment
Unlock a Property’s Potential (and profit)
Looking to add value to a property before refinancing or selling? Our refurbishment bridging loans service provides the funding you need to renovate and move on to your next investment.
Ideal for property investors and landlords, these loans help finance:
• Light refurbishments, such as new kitchens, bathrooms, and redecoration.
• Structural improvements, from including reconfiguring internal layouts to significant extensions and change of use.
• Essential modernisation, increasing property value and appeal.
There are some fantastic options available:
• Borrow up to 80% of the purchase price (90% for below market value purchases).
• Borrow all of your refurbishment costs.
• Quick and easy drawdowns to keep on top of cashflow.
Once the work is complete, you can refinance onto a traditional mortgage or sell for a profit.
Our brokers will work tirelessly to find the best deal for you, manage your application, and ensure funding is ready in time. Speak with our expert team to find the best funding solution for your refurbishment project.
Broken Sales Chain
Secure Your New Home Quickly
Selling your home can be stressful, especially if your sale falls through at the last minute. If you’ve found your dream home but the chain has collapsed, a bridging loan can help you move forward without delay.
With short-term bridging finance, you can secure your new property while waiting for your existing home to sell. Once your sale completes, you simply repay the loan.
Key benefits:
• Fast funding to prevent you from losing your ideal property.
• No monthly repayments – interest is rolled up and paid at the end of the term.
• No early repayment charges – clear the loan as soon as your sale goes through.
Bridging loans are also ideal if:
• Your buyer pulls out unexpectedly, leaving you in limbo.
• Your new purchase needs refurbishment before qualifying for a traditional mortgage.
• You need to raise capital or complete the transaction quickly.
Our brokers will work tirelessly to find the best deal for you, manage your application, and ensure funding is ready in time. Get in touch today to discuss your options and keep your plans on track.
Auction Purchase
Complete Your Purchase in 28 Days
Winning a property at auction is exciting, but completing the purchase in just 28 days can be a challenge. Your options at this point is to use a bridging loan or fund the whole purchase using cash because standard mortgages can’t move quickly enough. Our auction bridging loans provide the fast funding you need to meet tight deadlines with confidence.
Why choose our auction finance service?
• Same-day in-principle decision – bid with certainty.
• Funds available in days, ensuring you meet the 28-day completion deadline.
• Flexible lending – suitable for residential, commercial, and mixed-use properties.
• Loans available for non-standard properties, where high street lenders may not lend.
If you’re considering an auction purchase, speak to us before you bid – we can help you secure the right finance quickly and smoothly. Our brokers will work tirelessly to find the best deal for you, manage your application, and ensure funding is ready in time.
Raising Working Capital
Unlock the Value in Your Property
Need quick access to funds for a business investment, tax bill, or cash flow? A bridging loan allows you to release equity from your property without long delays or unnecessary hurdles.
We provide fast and flexible funding for:
• Business cash flow – inject funds to keep operations running smoothly.
• Tax liabilities – avoid late payment penalties with quick access to capital.
• Asset purchases – secure opportunities without waiting for traditional finance.
With fast approvals, no early repayment charges, and flexible terms, we make short-term finance straightforward.
Contact us today to find out how we can help you raise the capital you need, fast. Our brokers will work tirelessly to find the best deal for you, manage your application, and ensure funding is ready in time.
Property Purchase
Secure Your Next Investment
Need to move quickly to secure a property? Bridging loans provide rapid access to capital, making them a perfect solution for investors, developers, and homebuyers facing tight deadlines.
Common scenarios include:
• Property developers who need quick funding to take advantage of a great deal.
• Buyers needing planning permission before securing long-term finance.
• Properties with short leases that require lease extensions before becoming mortgageable.
• Properties where improvements are planned so you can re-finance at a higher value or sell for profit.
With fast decisions, market leading pricing, and flexible terms, our bridging loans service helps you seize opportunities without delays.
Our brokers will work tirelessly to find the best deal for you, manage your application, and ensure funding is ready in time. Contact us today to explore your funding options and secure your next property with confidence.
Refurbishment
Unlock a Property’s Potential (and profit)
Looking to add value to a property before refinancing or selling? Our refurbishment bridging loans service provides the funding you need to renovate and move on to your next investment.
Ideal for property investors and landlords, these loans help finance:
• Light refurbishments, such as new kitchens, bathrooms, and redecoration.
• Structural improvements, from including reconfiguring internal layouts to significant extensions and change of use.
• Essential modernisation, increasing property value and appeal.
There are some fantastic options available:
• Borrow up to 80% of the purchase price (90% for below market value purchases).
• Borrow all of your refurbishment costs.
• Quick and easy drawdowns to keep on top of cashflow.
Once the work is complete, you can refinance onto a traditional mortgage or sell for a profit.
Our brokers will work tirelessly to find the best deal for you, manage your application, and ensure funding is ready in time. Speak with our expert team to find the best funding solution for your refurbishment project.
Broken Sales Chain
Secure Your New Home Quickly
Selling your home can be stressful, especially if your sale falls through at the last minute. If you’ve found your dream home but the chain has collapsed, a bridging loan can help you move forward without delay.
With short-term bridging finance, you can secure your new property while waiting for your existing home to sell. Once your sale completes, you simply repay the loan.
Key benefits:
• Fast funding to prevent you from losing your ideal property.
• No monthly repayments – interest is rolled up and paid at the end of the term.
• No early repayment charges – clear the loan as soon as your sale goes through.
Bridging loans are also ideal if:
• Your buyer pulls out unexpectedly, leaving you in limbo.
• Your new purchase needs refurbishment before qualifying for a traditional mortgage.
• You need to raise capital or complete the transaction quickly.
Our brokers will work tirelessly to find the best deal for you, manage your application, and ensure funding is ready in time. Get in touch today to discuss your options and keep your plans on track.
Auction Purchase
Complete Your Purchase in 28 Days
Winning a property at auction is exciting, but completing the purchase in just 28 days can be a challenge. Your options at this point is to use a bridging loan or fund the whole purchase using cash because standard mortgages can’t move quickly enough. Our auction bridging loans provide the fast funding you need to meet tight deadlines with confidence.
Why choose our auction finance service?
• Same-day in-principle decision – bid with certainty.
• Funds available in days, ensuring you meet the 28-day completion deadline.
• Flexible lending – suitable for residential, commercial, and mixed-use properties.
• Loans available for non-standard properties, where high street lenders may not lend.
If you’re considering an auction purchase, speak to us before you bid – we can help you secure the right finance quickly and smoothly. Our brokers will work tirelessly to find the best deal for you, manage your application, and ensure funding is ready in time.
Raising Working Capital
Unlock the Value in Your Property
Need quick access to funds for a business investment, tax bill, or cash flow? A bridging loan allows you to release equity from your property without long delays or unnecessary hurdles.
We provide fast and flexible funding for:
• Business cash flow – inject funds to keep operations running smoothly.
• Tax liabilities – avoid late payment penalties with quick access to capital.
• Asset purchases – secure opportunities without waiting for traditional finance.
With fast approvals, no early repayment charges, and flexible terms, we make short-term finance straightforward.
Contact us today to find out how we can help you raise the capital you need, fast. Our brokers will work tirelessly to find the best deal for you, manage your application, and ensure funding is ready in time.
Xcel Finance are proud members of the NACFB, a recognised sign of reassurance and quality for both lenders and borrowers.
