Bridging Loans
in Splott

Auction purchases represent the classic bridging use case: you've won the lot, the hammer has fallen, and you have 28 days (sometimes 56 for special conditions) to complete. Having a bridging facility pre-agreed or a lender who can move fast is essential. We recommend getting a decision in principle before the auction day.

Bridge-to-development is a powerful strategy for sites requiring planning permission. You acquire the site on a bridging facility, secure planning consent, then refinance onto a development finance facility at terms that reflect the planning uplift. This approach lets you control sites without committing to the higher costs of a full development facility before planning is in place.

Refurbishment bridging is a hybrid product that combines acquisition funding with a facility for light refurbishment works — typically up to 15-20% of the property value. This suits investors buying properties that need cosmetic work before refinancing onto a buy-to-let mortgage at a higher valuation.

Cardiff's continued growth as a commercial and cultural centre is driving residential development demand, particularly in the Cardiff Bay and city centre regeneration zones. Swansea's waterfront transformation and Newport's emerging urban village around the Transporter Bridge district are creating additional development pipelines.