Bridging Finance UK:
Independent Specialist Broker
Bridging finance UK is a short-term secured lending facility used where speed, property condition, or timing prevents the use of a standard mortgage. It is repaid in full at term through a defined exit event — typically refinance or sale — and is arranged in days rather than the weeks a standard mortgage requires.
EAS Finance arranges bridging loans for property investors, developers, landlords, and business owners across the UK — from straightforward auction purchases to complex multi-security facilities, across a panel of 300+ specialist lenders.
Exit-led assessment. Speed and certainty of delivery.
Bridging finance is a short-term secured lending facility used where speed, property condition, or timing prevents the use of a standard mortgage. EAS Finance arranges bridging loans for property investors, developers, landlords, and business owners across the UK — from straightforward auction purchases to complex multi-security facilities.
We work from the deal structure outward — assessing the exit strategy first and positioning the case with the lenders most likely to support it. That approach reduces the risk of a failed application and maximises the probability of terms that reflect the actual quality of the deal. For a complete breakdown of every exit route available, see our bridging loan exit strategy guide.
The bridging loan itself is rarely the difficult part. The exit is. We assess the viability of the exit before approaching any lender — because a well-structured exit is the single most important variable in whether a bridging deal succeeds or fails.
When bridging finance is the right solution
Auction purchases
Fixed 28-day completion deadlines cannot be met by standard mortgage finance. Bridging allows the purchase to complete on time, with refinance following once the property is stabilised.
Refurbishment projects
Properties in poor condition that fail standard lender habitability criteria. Bridging funds the acquisition and works, with refinance onto a BTL or commercial mortgage at the improved value.
Chain breaks
Buyer needs to proceed before their sale completes. Bridging eliminates the chain dependency and allows the purchase to proceed on the seller’s timeline.
Below market value purchases
Motivated sellers requiring speed who cannot wait for standard mortgage underwriting. Bridging delivers certainty of completion within days, not weeks.
Land and planning gain
Pre-planning or pre-development assets where standard lenders will not lend. Bridging funds the acquisition and planning process, with development finance or land finance as the exit.
Portfolio restructure
Liquidity required within a portfolio before a sale completes. Bridging releases capital from one asset while the wider portfolio transaction concludes. Buy-to-let refinance is the most common exit route in this scenario.
For a full explanation of bridging loan mechanics, costs, exit strategies, and risk, see our Bridging Loans Guide.
What bridging lenders assess
Unlike mainstream mortgage lenders, bridging underwriters place comparatively less weight on income and more on the quality of the security and the viability of the exit. Understanding what lenders look for before submitting a case is the most effective way to avoid unnecessary delays or declines.
The primary underwriting criterion. Lenders require a credible, evidenced repayment plan — not a stated intention. In 2026, lenders increasingly require comparable sale data or a mortgage in principle as supporting evidence. A documented secondary contingency strengthens every application. See our exit strategy guide.
The type, condition, location, and current value of the security determines the maximum loan available. Residential security at 65% LTV attracts the most competitive rates. Non-standard construction, unusual tenure, and remote locations reduce lender appetite and increase pricing.
Most lenders advance up to 75% LTV on residential security and 70% on commercial property. Higher LTV is available from some lenders with additional security, but typically involves tighter underwriting conditions. The LTV directly drives the interest rate applied.
Track record of completed property transactions reduces lender risk perception and can improve pricing. Adverse credit does not automatically prevent approval — unregulated bridging is assessed primarily on asset and exit rather than credit history. Complex ownership structures (offshore, SPV) require experienced lenders.
Applications that rely on optimistic sale timelines or unconfirmed refinance appetite are rejected at credit committee with increasing regularity. The strongest applications pair a conservative primary exit with a documented secondary contingency.
How bridging finance is structured
Every deal is different, but the parameters below reflect the range we work within across our lender panel as at April 2026. A brief conversation will establish what is achievable for your specific transaction.
| Parameter | Typical range | Notes |
|---|---|---|
| Loan term | 1 – 24 months | Most facilities run 3–12 months. Extensions available from most lenders where the exit is progressing. |
| Maximum LTV | Up to 75% | Residential security. Up to 70% on commercial property. Higher LTV available with additional security. |
| Interest rate | 0.55% – 1.5% per month | Dependent on LTV, asset type, borrower profile, and term. Competitive rates for standard residential security begin around 0.55–0.65% per month as of April 2026. See our Rate Monitor for current data. |
| Interest structure | Monthly, retained, or rolled | Monthly serviced minimises total cost. Retained or rolled-up maximises day-one liquidity where the asset generates no income during the term. |
| Arrangement fee | 1% – 2% | Charged by the lender on completion. Can sometimes be added to the loan. |
| Completion speed | 5 – 28 working days | Dependent on security complexity and legal process. Indicative terms available within 24–48 hours of submission. |
| Charge type | First or second charge | Second charge bridging available where an existing mortgage is retained. Higher rates apply to reflect the increased lender risk. |
Independent. Exit-led. Direct lender access.
300+ lender panel
Independent access to the full bridging market — including specialist lenders not available through standard broker channels. No single lender promoted over another.
Deal-first structuring
We assess the deal before approaching lenders — exit strategy, security, borrower profile — so the application is positioned correctly from the outset.
Complex cases welcome
Adverse credit, non-standard construction, offshore borrowers, multiple securities — these are the cases we do best. If the high street has said no, speak to us first.
Transparent fees
Our broker fee is confirmed in writing before any work begins. No surprises, no hidden charges, no conflicts of interest.
FCA regulated
Appointed representative of White Rose Finance Group Ltd (FRN 630772). Regulated and unregulated bridging arranged — we advise on which applies to your transaction.
Same-day response
Every enquiry receives a same working day response confirming whether we can help and what the likely structure looks like. No forms, no automated replies.
Frequently asked questions
Discuss your bridging requirement
A brief conversation is usually enough to establish whether we can help, what structure is appropriate, and what the lender appetite is for your transaction.
This page is produced for information purposes only and does not constitute regulated financial advice. EAS Finance is a trading name of Elite Admin Services Ltd (FRN 1044838), appointed representative of White Rose Finance Group Ltd (FRN 630772), authorised and regulated by the Financial Conduct Authority. Your property may be repossessed if you do not keep up repayments on a loan secured against it.
Rate information is indicative as at April 2026 and subject to change. Always confirm current terms directly with the lender or your adviser.