Property Development Bridging

Unlock potential with fast, flexible Property Development Bridging loans. Don’t let funding delays stall your vision. Get the capital you need to acquire, renovate, and build – fast.

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Is a lack of immediate capital holding back your next big property development?

In the fast-paced world of property development, timing is everything. A delay in securing funds can mean missing out on a prime auction purchase, stalling a renovation mid-project, or losing a lucrative development site to a competitor. Traditional lenders are often too slow, with rigid criteria that don’t align with the realities of modern development.

That’s where we come in.

We specialise in Property Development Bridging Loans designed to bridge the gap between immediate cash flow needs and long-term financing or sales. Whether you are a seasoned developer or taking on your first major refurbishment, our bespoke bridging solutions provide the speed, flexibility, and security you need to move forward with confidence.

Key Features at a Glance

Loan Amount: £50,000 to £10,000,000+

Term Length: 1 to 12 months

Location: Whole of UK

Security: Residential, Commercial, Semi-Commercial, Land

Credit History: All credit profiles considered (focus on asset equity)

LTV: Up to 75%

Who We Work With

We work with leading lenders across the market to match you with the right deal.

What Is a Property Development Bridging Loan?

A bridging loan is a short-term funding solution used to “bridge” a financial gap.

Unlike a traditional mortgage, bridging loans are focused on the asset value and the exit strategy, rather than just your personal income. This allows for faster approvals and more flexible terms tailored to the project’s timeline.

We understand that every development is unique. That’s why we don’t offer “off-the-shelf” products. We build the loan around your project.

In property development, it is typically used to:

Purchase Land or Property:
Secure a site quickly.

Fund Construction Costs:
Cover materials, labour, and professional fees during the build phase.

Refinance Existing Debt:
Move away from high-interest lenders or exit a previous development loan.

Buy at Auction:
Complete purchases within the tight 28-day deadlines required by auction houses.

Why Choose Our Bridging Finance Solutions?

1. Speed of Execution

We know that opportunities wait for no one. We can often provide:

Decisions in Principle (DIP) within days, in some cases hours.

Funds released in as little as 5 to 7 days (subject to valuation and legals).

Streamlined application processes with minimal red tape.

2. Heavy Refurbishment & Ground-Up Capabilities

Many lenders shy away from complex projects. We embrace them.

Light Refurbishment: Cosmetic updates, new kitchens/bathrooms.

Heavy Refurbishment: Structural changes, extensions, conversions (e.g., commercial to residential).

Ground-Up Development: Funding for land acquisition and phased construction costs.

3. Flexible Terms & LTVs

Loan-to-Value (LTV): Up to 75% LTV (and up to 100% with additional security).

Loan-to-Gross-Development-Value (LTGDV): We lend based on what the property will be worth, not just what it is worth today. Access up to 70% of the projected end value.

Rolled-Up Interest: No monthly payments. Interest can be retained or rolled up and paid at the end of the term, improving your cash flow during the build.

Ready to Break Ground?

Don’t let funding hurdles compromise your project’s potential. Whether you are buying land, converting a commercial unit, or simply need fast cash to close a deal, our bridging finance team is ready to act.

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Who Is This For?

Our bridging loans are ideal for a wide range of property professionals:

Property Developers

From single-unit builds to multi-story apartment complexes.

Landlords & Investors

Looking to refurbish buy-to-let portfolios or flip properties for profit.

Auction Buyers

Needing guaranteed funds to complete a purchase within strict deadlines.

Business Owners

Seeking to purchase or renovate commercial premises.

How It Works: A Simple 4-Step Process

Step 1: The Enquiry

Fill out our simple form or call us. Tell us about the property, your development plans, and how much you need. We’ll discuss your “exit strategy” (how you plan to repay the loan, usually via sale or refinance).

Step 2: The Terms

We issue a Decision in Principle (DIP) outlining the loan amount, interest rate, and fees. This gives you the confidence to proceed with your purchase or works.

Step 3: Valuation & Legals

We instruct a surveyor to value the property (current and projected value). Simultaneously, solicitors handle the legal due diligence. We work proactively with all parties to prevent delays.

Step 4: Drawdown

Once legals are satisfied, funds are transferred to you. For development loans, this may be released in stages as work progresses, ensuring you pay interest only on what you use.

FAQs

Yes. Because the loan is secured against the property, we are often able to look past adverse credit history. The strength of the deal and the exit strategy are the most important factors.

The most common exit strategies are selling the completed property or refinancing onto a long-term mortgage (like a Buy-to-Let or Commercial Mortgage). We will ensure your exit plan is realistic before lending.

Serviced: You pay the interest monthly (requires proof of income).
Retained: We deduct the interest from the loan amount upfront for the agreed term. You make no monthly payments.
Rolled-up: Interest is added to the loan balance each month and paid at the end.

We can often lend against the Open Market Value. If you are buying a property below market value (e.g., a distress sale), this allows you to borrow a higher percentage of the purchase price—sometimes up to 90% or 100% of the cost.