Bridging Loans
in Nantwich

Speed defines bridging finance. When you need to complete an acquisition within days rather than weeks — whether at auction, to secure a competitive off-market site, or to break a chain — bridging provides certainty that mainstream lenders cannot match. The best bridging lenders can issue terms within hours and complete within 5-10 working days.

Every bridging loan needs a clear exit strategy. The three most common exits are: sale of the property, refinance onto a longer-term facility (development finance, term loan, or mortgage), or planning uplift followed by development. Lenders assess the credibility of your exit as carefully as they assess the property itself.

Bridging rates have become more competitive as the sector has matured, with regulated bridging (on properties you'll occupy) starting from 0.55% per month and unregulated (investment properties) from 0.60% per month. Arrangement fees of 1-2% are standard, with exit fees increasingly rare among competitive lenders.

Transport improvements — including HS2 Phase 2 planning and the Trans-Pennine route upgrade — are supporting land value growth in towns along key corridors. Lenders with regional expertise recognise the strong fundamentals and are actively seeking to deploy capital across the North West.