Bridging Loans & Development Finance
Short-term property funding for auction purchases, chain breaks, refurbishments, probate and stopping repossessions. We structure bridging loans for homeowners, landlords, investors and developers around a clear exit plan, not just a headline rate.
- Independent broker
- Whole of market
- Fast decisions
Our Funding Solutions
We don’t sell finance products. We design strategic funding solutions that solve real business challenges.
Every case is shaped around your cash flow, sector and growth plans.
Explore our core funding options below, or speak to us directly to discuss your requirements.
Speak to a Funding Specialist
Bridging Loans
Fast, short-term property funding for auction purchases, refurbishments or chain breaks. Speed and certainty when timing is critical — bridging loans structured for homeowners, landlords and property investors.
Learn More →Development Finance
Funding for ground-up builds, conversions and major refurbishments. Staged drawdown releases aligned with your project milestones and managed by specialist development lenders.
Learn More →Buy To Let Refinance
Refinance an existing rental property — coming off an expiring fixed rate, releasing equity for the next purchase, or exiting a bridging loan onto a term mortgage. Personal name and limited company.
Learn More →Bad Credit Mortgages
Mortgage options where credit history is the obstacle — defaults, CCJs, missed payments, an IVA or a discharged bankruptcy. Specialist lenders assess how recent and how serious, not just the score.
Learn More →Second Charge Mortgages
Raise capital against the equity in your property without disturbing your existing mortgage. Useful when your current rate is worth keeping, or early repayment charges make a remortgage expensive.
Learn More →Secured Loans
Borrow against the equity in a property you own. Because the loan is secured, terms are longer and lending criteria more flexible than unsecured borrowing allows.
Learn More →Bridging Loan Calculator
Most bridging calculators show interest and nothing else. This one includes the fees and shows what actually reaches your account — because that is the number that decides whether a deal works.
- Gross loan
- £250,000
- Interest over 12 months
- £23,452
- Arrangement fee
- £5,000
- Valuation & legals
- £2,500
- Total cost of borrowing
- £30,952
- To repay at exit
- £273,452
Indicative only. These figures are worked from the numbers you have entered — they are not a quote, a rate we have offered, or a decision in principle. Actual terms depend on the property, your exit plan and the lender. Speak to a broker before relying on any of it.
Mark Higgins
Managing Partner, Commercial Finance
With extensive experience across commercial mortgages, development finance and structured lending, Mark leads client relationships and complex case structuring. He has helped hundreds of UK businesses secure the right funding at the right terms.
Tara Jameson
Commercial Finance and Bridging Loans Specialist
Tara specialises in bridging loans, invoice finance, asset finance and working capital solutions, with a strong track record in helping property investors and growth-stage businesses unlock the funding they need. Her whole-of-market approach ensures clients receive competitive, lender-agnostic advice.
Proven Results. Real Outcomes.
We're judged by outcomes. Here's how we've helped UK property investors, developers and businesses secure structured bridging loans and commercial finance when it mattered most.
Glasgow Portfolio Expansion
A landlord in Glasgow identified an opportunity to purchase a two-bedroom flat that had been discounted because it required extensive refurbishment. Traditional lenders were unable to provide funding within the seller's timescale, putting the purchase at risk.
A bridging facility of £95,000 was arranged at 68% loan-to-value, enabling the client to complete the purchase and begin refurbishment immediately — a new kitchen, bathroom and heating system. Once the improvements were complete, the property's value increased significantly.
Exit strategy:
Refinance onto a long-term buy-to-let mortgage following completion of the refurbishment.
Outcome:
The landlord added another income-producing property to an existing portfolio while preserving cash reserves for future investments.
Manchester Buy-to-Let Acquisition
An experienced landlord in Manchester was given the opportunity to acquire a four-property package from a retiring investor. The transaction needed to complete quickly to prevent the properties being marketed more widely.
A bridging loan of £245,000 was arranged at 72% loan-to-value, allowing the client to secure all four properties within the required timeframe. Because the properties were already tenanted, the landlord generated rental income immediately after completion.
Exit strategy:
Portfolio refinance through a specialist buy-to-let lender.
Outcome:
The client expanded their rental portfolio in a single transaction and secured several properties below current market value.
Liverpool Property Conversion Project
A landlord in Liverpool acquired a large residential property intending to convert it into multiple self-contained apartments. Although the project was commercially viable, the property's condition made it unsuitable for conventional mortgage funding.
A bridging facility of £425,000 was arranged at 70% loan-to-value, providing the speed and flexibility required to complete the purchase. The conversion took six months and created four modern apartments, quickly let to long-term tenants.
Exit strategy:
Refinancing onto a specialist investment mortgage based on the completed development's higher valuation.
Outcome:
The landlord transformed an underutilised property into a high-yielding rental investment, substantially increasing both rental income and portfolio value.
Common Questions
Bridging loans, answered
The questions we are asked most often. For detail on a specific situation, browse our guides or talk to us about your case.
Frequently asked questions
A bridging loan is short-term property finance used to cover a gap between needing funds and securing longer-term money or a sale. Terms are typically measured in months rather than years, and lenders assess the security and the exit plan rather than monthly affordability, so they suit time-critical purchases where a mortgage would be too slow.
Get in Touch
Ready to discuss your funding requirements? Contact us today.
Contact Information
Fill out the form or reach us via our details below.
Address
Atrium Business Centre, North Caldeen Road, Coatbridge, ML5 4EF
Phone
01236 702070