Bridging Loans
in Warwick

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.

East Midlands towns along the M1 corridor are seeing increased development interest as logistics and distribution companies expand, bringing employment growth that supports residential demand. Nottingham, Leicester, and Derby each offer distinct market dynamics but share strong fundamentals for well-located residential schemes.