Bridging Finance UK
Our Bridging Finance UK service provides short-term property-backed finance for investment and commercial acquisitions, refurbishment, refinancing, capital raising and other transactions where conventional finance is too slow or unsuitable. The strength of the exit is central to the lending decision.
Minimum bridging finance facility: £350,000
We normally respond on the same working day.
Sale or refinance assessed first, including timing, evidence and a credible contingency.
Property, valuation, equity and LTV considered against the proposed repayment route.
Short-term funding structured around the completion deadline without losing sight of the exit.
Lender selection based on security, leverage, purpose, complexity and appetite.
What will a lender make of your deal?
Run your bridging transaction through the Workspace before you approach a lender. Examine leverage, cash requirement, exit position and potential pressure points, and see where the structure may need changing.
Bridging Finance UK: exit-led assessment with a credible repayment route.
Bridging finance is a short-term secured facility used where speed, property condition or transaction timing prevents conventional term finance from being used. We assess the exit first, then the security, leverage and borrower profile, before deciding which lenders are appropriate.
EAS Finance arranges bridging finance UK facilities for property investors, developers, landlords and business owners across the UK, across straightforward and complex transactions, including multi-security facilities.
The bridging loan itself is rarely the difficult part. The exit is. A lender needs a credible, evidenced repayment route rather than a simple statement of intention. That may be a sale, refinance onto investment property finance, a commercial mortgage , or a move into development finance .
We work from the deal structure outward. The objective is not simply to find a lender willing to issue terms, but to position the transaction with lenders whose appetite fits the security, leverage, timetable and exit. For a detailed review of repayment routes, see our bridging loan exit strategy guide .
Transactions where short-term finance can make sense
Bridging Finance UK facilities should solve a timing or structural problem with a defined exit. It should not be used simply because a longer-term lending proposition has not been properly prepared.
Investment acquisitions
Funding for investment or commercial property where a fixed completion deadline cannot reasonably be met by conventional term finance.
Refurbishment
Acquisition or works where the property condition prevents immediate term lending, with refinance once the asset is stabilised.
Refinance & capital raising
Short-term liquidity against investment or commercial property where existing debt needs replacing or capital is required before a longer-term refinance or sale.
Time-sensitive acquisitions
Investment or business-purpose purchases where speed and certainty matter more than arranging long-term finance at the outset.
Land and planning
Short-term acquisition or holding finance while planning or development arrangements are progressed.
Portfolio restructuring
Temporary liquidity against investment assets while a sale, refinance or wider portfolio transaction completes.
For a broader explanation of bridging mechanics, costs, exits and risks, see our Bridging Loans Guide .
Bridging Finance UK: What Lenders Will Look At
Bridging lenders concentrate heavily on the security and the route to repayment. A well-presented case should answer the credit questions before the lender has to ask them.
Exit strategy
The primary repayment route, the evidence supporting it, the likely timetable and the secondary contingency if the first exit is delayed. Where the proposed exit is the sale of residential investment property in England or Wales, recorded transaction evidence can also be checked against HM Land Registry Price Paid Data , although the lender and valuer will form their own view of value, marketability and likely sale period.
Security
Property type, condition, tenure, location, marketability and value, together with any additional security supporting the facility.
Leverage
Loan-to-value, borrower equity and whether the proposed facility still leaves sufficient headroom if the exit takes longer than planned.
Borrower credibility
Experience, ownership structure, credit background and the quality of the information supplied to support the transaction.
Applications relying on optimistic sale assumptions or an untested refinance exit are difficult to defend. A conservative primary exit with a credible contingency normally makes a stronger case than pursuing maximum leverage.
From initial review to completion
For bridging finance UK transactions, speed matters, but unnecessary haste at the beginning can create delays later. The case needs to be packaged clearly enough for the lender, valuer and solicitors to move without repeatedly revisiting basic information.
Initial review
Requirement, security, leverage, timing and proposed exit are assessed.
Lender selection
The case is positioned with lenders whose appetite matches the transaction.
Indicative terms
Pricing, leverage, conditions and valuation requirements are compared.
Valuation & legal
Security is valued and solicitors progress the lender’s legal requirements.
Completion
Funds are released once the lender’s conditions have been satisfied.
How bridging finance is structured
The figures below are indicative rather than promises. Pricing and leverage depend on the security, borrower, purpose, term and exit. Current lender terms should always be confirmed for the specific transaction.
| Parameter | Typical range | Notes |
|---|---|---|
| Loan term | 1–24 months | Most facilities run 3–12 months. Extensions may be available where the exit is progressing satisfactorily. |
| Maximum LTV | Up to 75% | Generally lower on commercial or more specialised property. Additional security can sometimes improve leverage. |
| Interest rate | 0.55%–1.5% per month | Indicative only and dependent on LTV, asset type, borrower profile and term. Current lender pricing should be confirmed at enquiry stage. |
| Interest structure | Serviced, retained or rolled | The appropriate structure depends on liquidity, cash flow and whether the asset produces income during the term. |
| Lender arrangement fee | Typically 1%–2% | Normally payable on completion and sometimes added to the gross facility. |
| Completion speed | Often 5–28 working days | Dependent on valuation, title, legal work and the complexity of the security and borrower structure. |
| Charge type | First or second charge | Second-charge facilities may be possible where existing secured borrowing remains in place. |
Deal structure first. Lender second.
Bridging is widely available. The harder question is whether the facility is appropriate for the transaction and whether the exit can withstand lender scrutiny.
300+ lender panel
Broad access across specialist and commercial lenders, allowing cases to be directed by appetite rather than by a single lender proposition.
Exit-led assessment
The repayment route is considered before submission, because an attractive headline rate does not rescue an unsuitable structure.
Complex cases
Non-standard property, adverse credit, SPVs, multiple securities and unusual transaction structures can often be considered where the underlying case is sound.
Transparent fees
Any broker fee is agreed and confirmed in writing before work begins, alongside the lender’s own charges and likely transaction costs.
Commercial focus
EAS Finance concentrates on investment, development, commercial and business-purpose finance rather than regulated residential lending.
Direct assessment
Each enquiry is reviewed around the actual transaction, security and exit rather than being reduced to a rate-led comparison exercise.
Specialist bridging finance
Choose the route that matches the property, works and intended repayment strategy.
Commercial bridging finance · Refurbishment finance · Bridge-to-let finance · Land finance · Bridging exit strategy
Bridging finance by location
Local property, planning and market conditions can influence lender appetite, valuation and exit risk.
Bridging finance Kent · Bridging finance London · Bridging finance Surrey
Bridging Finance UK: frequently asked questions
Have a bridging case you would like us to review?
For bridging finance requirements of £350,000 or more, give us the outline of the transaction, security and proposed exit. We will give you an initial view of what appears realistic before lender approaches are made.
EAS Finance is a trading name of Elite Admin Services Ltd (FRN: 1044838), which is an Appointed Representative of White Rose Finance Group Ltd. EAS Finance is a credit broker, not a lender.
The bridging finance discussed on this page is intended for investment, commercial and business-purpose transactions. EAS Finance does not arrange regulated owner-occupier residential mortgages.
Your property or other assets offered as security may be at risk if you do not keep up repayments on a mortgage, bridging loan or other debt secured on them.