Welcome to our bridging loan lenders directory. Here you can find a list of the UK's main bridging finance providers - click a lender on the list to accesss information about their products and independent advice about whether they're the right option for you.
FAQs
No, not all bridging providers operate under the same regulatory framework. Regulated bridging loan lenders provide loans to secure against a residential property that will be lived in by the borrower or an immediate family member.
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All lenders providing regulated bridging loans are, therefore, governed by FCA rules to protect retail consumers
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Unregulated bridging lenders only offer loans for the purpose of commercial properties, investment properties, buy-to-let assets, and loans taken out under limited company structures
You should consider using home bridge loan lenders when time constraints or property conditions prevent you from obtaining a standard mortgage. for example:
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In order to buy your new home before your current home sale completes (chain breaking)
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To secure an auction purchase within strict 28-day completion deadlines
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Buying unmortgageable properties (those lacking basic facilities such as a working kitchen or bathroom
Most bridging loan lenders offer borrowing limits between £50,000 and £10 million+, depending on the asset value. Typical maximum Loan-to-Value (LTV) limits range from 70% to 75% of the property’s current market value. However, if you can provide additional property or assets as security, some lenders can offer up to 100% LTV funding.
Specialist bridging lenders can release funds in as little as 3 to 14 working days. This is the main draw of this short-term finance option for most borrowers.
Residential bridge loan lenders specialise in loans secured against residential properties This includes regulated buy-to-lets and residential buy-to-let properties.
Commercial bridging loan lenders focus on non-residential assets, such as retail premises, industrial units, offices, or mixed-use sites. All commercial bridging finance is unregulated and as such, is able to offer greater flexibility.
A bridging loan lender primarily evaluates the market value and equity of the security property, the required Loan-to-Value (LTV) ratio, and a realistic exit strategy (how the loan will be repaid).
Because bridging finance is secured against property or land, lenders are often more flexible regarding income history or credit background than standard mortgage providers.
A clear and realistic exit strategy is mandatory for bridging loan approval. Acceptable exit strategies vary from one provider to the next, but may include:
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Selling the property after refurbishment or development
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Remortgaging onto a long-term residential, commercial, or buy-to-let mortgage
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Selling another property or asset in your portfolio
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Receiving a proven lump sum payout, such as an inheritance, business sale, or investment maturation
It’s important to look beyond interest rates alone, be sure to consider whether your chosen bridge loan provider offers:
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Flexible interest rate types (monthly or rolled-up)
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Arrangement fees (typically 1–2%)
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Exit fees
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Valuation costs
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How quickly they can issue formal terms
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Their maximum Loan-to-Value (LTV) limits
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Their willingness to accept your preferred exit strategy
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Remember to check whether the lender is FCA-regulated if you are borrowing against your home
Yes, usually small business bridging lenders provide short-term solutions secured against commercial property, investment portfolios, or land.
Small businesses often use bridging loans to release equity for urgent cash flow needs such as purchasing new premises, raising capital for stock or machinery, and to cover operational or tax bills while waiting for long-term finance to be finalised.
