Bridging Loans for Property Investors & Developers

Short-term finance for time-sensitive deals. Completion in as little as 7 days, with rates from 0.55% per month and LTVs up to 75%.

Rate

From 0.55% p.m.

LTV

Up to 75% LTV

Term

1-18 months

Get a Bridging Loans Quote

What Are Bridging Loans?

Bridging loans are short-term property finance facilities designed for situations where speed is essential. They bridge the gap between needing funds immediately and arranging longer-term finance, typically completing in 7-14 days compared to 6-8 weeks for conventional lending.

Whether you are purchasing at auction with a 28-day completion deadline, breaking a property chain, or securing a site before planning consent, bridging finance provides the speed and certainty to act decisively when opportunities arise.

Speed That Closes Deals

The property market rewards speed. Auction purchases require completion within 28 days. Off-market deals need rapid exchange to beat competing buyers. Pre-planning site acquisitions are time-sensitive as vendors rarely hold for slow finance.

Our bridging lender panel includes specialists who can complete in as little as 5-7 working days. We have relationships with lenders whose credit committees meet daily, and legal processes that can be fast-tracked for urgent requirements.

Typical Use Cases

When to Use Bridging Loans

Auction Purchases

28-day completion timelines. Pre-approved facilities available for regular auction buyers.

Chain Breaks

Bridge the gap when your sale is delayed but your purchase needs to complete.

Pre-Planning Acquisitions

Secure sites ahead of planning consent at lower LTV, with exit via development finance.

Refurbishment Bridge-to-Let

Acquire and refurbish, then refinance onto a buy-to-let mortgage once works complete.

How It Works

The Bridging Loans Process

1

Same-Day Assessment

Submit your deal and receive an indicative decision within hours.

2

Rapid Valuation

Desktop or drive-by valuations for speed. Full valuations where required.

3

Legal Fast-Track

Dual-representation solicitors and streamlined legal processes.

4

Completion in Days

Funds released as quickly as 5-7 working days from instruction.

Common Questions

Bridging Loans FAQ

How quickly can I get a bridging loan?
The fastest completions are 5-7 working days from application. Typical timelines are 2-3 weeks. Speed depends on the complexity of the deal, the valuation method, and how quickly legal processes can be completed.
What is the exit strategy for a bridging loan?
Every bridging loan requires a clear exit strategy — how you will repay the facility. Common exits include sale of the property, refinancing onto a longer-term mortgage, or refinancing into a development finance facility. Lenders assess the viability of your exit before approving the bridge.
Are bridging loans regulated?
Bridging loans on property you will live in are FCA-regulated. Investment and commercial bridging is unregulated. Construction Capital specialises in unregulated commercial and investment bridging for property developers and investors.
Can I get a bridging loan on a property with no income?
Yes. Unlike mortgages, bridging lenders focus primarily on the property value and your exit strategy rather than rental income or personal earnings. Vacant, derelict, and non-standard properties are all considered.
What fees are involved in bridging finance?
Typical fees include an arrangement fee (1-2% of the loan), valuation fee, and legal costs. Some lenders charge exit fees. We are transparent about all costs upfront so there are no surprises.

Bridging Loans by Location

We arrange bridging loans for projects across the UK. Here are some of our most active areas.

Bridging Loans in LondonBridging Loans in SurreyBridging Loans in ManchesterBridging Loans in KentBridging Loans in Essex

Expert Guides

Bridging Loans Guides

In-depth guides to help you navigate bridging loans — from application to completion.

Development Finance vs Bridging Loans: Which Do You Need?

Two of the most common short-term property finance products, but they serve very different purposes. We break down the rates, terms, and scenarios where each makes sense.

8 min read read

Fixed vs Variable Bridging Rates: Which Saves You More?

With bridging rates from 0.55% per month, the fixed vs variable decision can mean thousands in savings or unexpected costs. Here is how to choose.

6 min read read

First-Time Property Developer's Guide to Finance

Breaking into property development without a track record is the single biggest financing challenge new developers face. This guide explains exactly how to get funded.

12 min read read

Permitted Development Rights: A Finance Guide for Developers

Permitted development rights let you convert commercial buildings to residential without full planning permission. Here's how to finance these projects and which lenders specialise in PDR schemes.

10 min read read

HMO Conversion Finance: A Complete Guide for Developers

HMO conversions can deliver rental yields of 8-12% - significantly above standard BTL returns. But financing them requires specialist lenders who understand licensing, planning, and the operational model.

10 min read read
View All Guides

Related Services

Most deals use a combination of products. These services are commonly used alongside bridging loans.

Refurbishment Finance

Funding for light and heavy refurbishment projects including conversions.

From 0.65% p.m. · Up to 75% LTV

Development Finance

Senior debt funding for ground-up residential and commercial developments.

From 6.5% p.a. · Up to 65-70% LTGDV

Development Exit Finance

Short-term funding to repay development finance while you sell completed units.

From 0.55% p.m. · Up to 75% LTV

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