Residential bridging loans
Fast, flexible funding to bridge a purchase, refinance or chain break on a residential property with options for both regulated and unregulated loans
What we offer
Residential bridging made simple
Need fast finance or a little more time before a main lender is ready? We offer short-term loans secured against residential property, whether your client lives there, plans to live there, or needs to hold onto it before buying something new.
Options available for both regulated and unregulated loans.
Loan options
Regulated bridging
For clients securing the loan against a home they currently live in or intend to live in.
- From rate: 0.55% p.m.
- Max. LTV: 65%
- Term: Up to 12 months
*Your home may be repossessed if you do not keep up repayments on your mortgage.
Unregulated bridging
For property investors.
- From rate: 0.55% p.m.
- Max. LTV: 70%
- Term: 1–23 months
Fast-track service
Speak to our team to learn how our fast-track service can help your clients.
Available for qualifying loans:
- AVM
- Loans £50k – £1m
- 70% LTV for purchases
- Reduced legal due diligence
- No search indemnity used
How it works
A simple step-by-step process – from enquiry to funding.
Apply for an Agreement in Principle
You may require a mortgage broker
Submit full application
We’ll assess your client and the property
Property valuation
From our panel of pre-approved surveyors
Offer and legal review
Managed by your solicitor
Loan completion
Funds released
Documents & tools
Everything you need to get started
| Regulated bridging calculator | Use calculator |
| Unregulated bridging calculator | Use calculator |
| Rates and criteria guide | Download |
| Consumer Duty | View |
| Residential legal fee scale | Download |
| Guide to balance of funds | Download |
| Valuation fee scale | Download |
| Tariff of charges | Download |
| Intermediary agreement form | Apply now |
| Application form | Apply now |
Consumer Duty
We meet all Consumer Duty regulations, ensuring transparency and good customer outcomes.
Meet the team
Get in touch with one of our team to find out more
Steve Matthews
Head of Residential Lending
Alex Alexandrou
Head of Residential Sales
Stephen Christmas
Business Development Manager
Dan Rhodes
Business Development Manager
Becky Dixon
Business Development Manager
Joe Reynolds
Internal Business Development Manager
Lotty Teague
Internal Business Development Manager
Agreement in Principle (AIP)
Start by submitting the relevant enquiry form
Get an AIP for an individual
Get an AIP for a regulated individual
Get an AIP for a company
Get in touch
Speak to a member of our expert team to discuss funding. We’re always available to answer any questions.
Call us
0800 294 6850
Email us
FAQs
What types of finance do you offer?
We offer a range of finance options, including Buy-to-Let Finance, Regulated and Unregulated Bridging, and Light Refurbishment Finance.
How do I find out the balance of my loan?
You can easily find your loan balance by requesting a statement from our team. Just email us at [email protected], and we’ll assist you.
Can I redeem my loan early before the expiry date?
Yes, you can redeem your loan early. Just keep in mind that there may be early redemption charges, depending on your loan product. For more details, check your loan agreement. You’ll also need to instruct a solicitor to handle the removal of our charge at the land registry.
What happens at the end of my mortgage term?
We’ll contact you about six months before your mortgage term ends to discuss your exit plan. Please keep us updated if your contact details change.
When can I receive my drawdown funds for a refurbishment loan?
The agreed funds will be released in stages once we get a monitoring report from our asset manager and receive a completed drawdown notice from you.
Can I extend my loan term end date?
We don’t offer extensions on the fixed-rate period, but if you’re looking for alternatives or new options, just chat with our team, and we’ll help explore your possibilities.
Can I update my personal information?
Yes, keeping your information up to date is important. Please let us know if anything changes, such as your address or Direct Debit details, so we can make sure everything is accurate.
What happens if I cannot make my payments or if I am experiencing financial difficulty?
We understand that life can be unpredictable, and we’re here to help. If you’re facing financial difficulties, please get in touch with us as soon as possible so we can work together to find a solution.
Explore more ways we lend
From bridging and development to buy-to-let, we finance a range of property projects. Discover all our specialisms below.
Bridging
Short-term, fast and flexible finance for acquisitions, refinances and equity release.
Development & refurbishment
Helping projects break ground and grow in niche sectors and regional hotspots.
Buy-to-let
Straightforward funding solutions tailored to landlords’ portfolios and future plans.