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Your deal won't wait. We move fast enough to make sure you don't lose it.
Arrangement fees, interest, exit fees. Every cost shown before you commit — so your solicitor never calls with a number you didn't expect.
We'll stress-test it with you before you commit. If timelines shift, you won't be locked into something that doesn't work.
Not a marketing claim. We give you a realistic completion date on the first call — then we deliver against it.
A bridging loan is short-term finance secured against property, designed to cover the gap between buying something new and completing an onward transaction — selling an existing property, refinancing to a longer-term mortgage, or realising a different capital event. Unlike a commercial mortgage, bridging loans complete in days or weeks rather than months, which is why they're the go-to product when a deal has a deadline.
The trade-off is speed for cost — bridging rates are higher than mortgage rates because the lender is taking on more risk in a shorter window. That's why a clean exit strategy matters more here than anywhere else in finance. The right broker isn't the one who finds the cheapest rate; it's the one who matches your deal to a lender who'll both say yes and deliver on the completion deadline.
What's the asset, what's the timeline, what's your exit? 60 seconds on the phone or the form.
We approach the lenders most likely to say yes for your deal. Written indicative terms back to you the same day.
Before you commit — sale comparables, refinance viability, contingency plan if timelines slip.
Valuation and legal work run in parallel. Typical completion 3–14 days from instruction.
Your sale fell through, your buyer's mortgage got declined, or your refinance is taking longer than the purchase deadline. Bridging bridges the gap — short-term finance against the new property so you complete on schedule, then repay when the delayed transaction catches up.
Start your enquiryBelow-market acquisition, heavy refurb for resale, or a property that can't be mortgaged in its current state. Bridging funds the purchase and works — you renovate, secure planning, or stabilise income, then exit via sale or refinance to a conventional mortgage.
Start your enquiryA specialist broker like Norwest Insurance is the quickest route to the right bridging loan in the UK. With 120+ lenders on our panel and over 50 years of experience, we match your profile to the right lender before any hard credit check — so your first application is the right one. Call 0161 225 9200 or send a 60-second enquiry and we'll come back with a clear picture of what's possible.
Typical timelines are 7–14 days from enquiry to funds released. Terms come within hours for straightforward deals. The main time sinks are valuation and legal work. Very fast bridging can complete in 3–5 days where documentation is clean and the lender is on file.
Rates start from around 0.39% per month, but most residential bridging sits in the 0.55–0.85% per month range. Commercial and more complex deals run higher. Rate depends on LTV, exit strategy strength, property type, and borrower profile.
Typically from £50k to £10m+ per loan, with £25m+ available through specialist lenders. Up to 80% LTV standard; 100% possible with additional security (another property, cash collateral). There's effectively no ceiling for high-value deals with strong fundamentals.
This is why we stress-test the exit before you commit. If your exit (sale, refinance) is genuinely delayed, most lenders allow term extensions at a fee; some allow refinancing to a second bridge. Default rates are punishing, so we build in contingency from day one — honest timelines, not optimistic ones.
Depends on the security. Regulated bridging is secured on your own home (primary residence) and covered by FCA rules. Unregulated bridging is secured on commercial property or investment/BTL property. We arrange both — the difference is procedural, not a quality signal.
Yes. Bridging lenders assess the deal more than the borrower — LTV, exit strength, and property quality matter more than credit score. Missed payments, CCJs, or prior defaults are worked around if the fundamentals are strong.
Buying, refinancing, or owner-occupying — matched to the right lender from 120+.
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Learn moreTell us about your timeline in 60 seconds. We'll come back with terms, costs, and a realistic completion date — no obligation, no hard credit check.