Bridging finance for time-sensitive property deals
We help property investors and developers access short-term bridging finance by introducing them to professionally accredited specialists who understand complex and time-critical deals.
What is bridging finance?
Bridging finance is short-term property funding designed to move quickly. It is commonly used where speed, flexibility, or non-standard circumstances mean traditional finance is not suitable. Bridging loans are often used to "bridge the gap" between purchase and longer-term finance or sale.
Who bridging finance is suited to
Bridging finance is typically used by experienced buyers who need speed and flexibility.
Property investors
Developers
Landlords
Buyers purchasing at auction
Investors refurbishing or repositioning property
Property investors
Developers
Landlords
Buyers purchasing at auction
Investors refurbishing or repositioning property
When bridging finance is typically used
Purchasing property at auction
Buying before selling an existing property
Time-sensitive completions
Properties not suitable for standard mortgages
Short-term funding before refinance or sale
Exit bridge strategies
How Provide Finance helps
We act as an introducer, not a lender or advisor. We review your enquiry and introduce you to accredited finance specialists who work with bridging lenders and understand short-term property funding. This ensures your enquiry is handled by someone experienced in the type of deal you are pursuing.
Fast routing to the right specialists
Access to experienced bridging advisors
No obligation to proceed
Clear and efficient process
How it works
Tell us about your deal
Answer a few quick questions so we understand your timeframe and objectives.
We review and match
Your enquiry is reviewed and matched to a suitable bridging finance specialist.
Speak to an accredited specialist
An accredited specialist contacts you to discuss options and next steps.
Frequently Asked Questions
Common questions about this type of property finance.
How does bridging finance work?+
Bridging finance provides short-term funding secured against property. You borrow for a fixed term, typically 1-18 months, and repay through refinancing onto a longer-term mortgage or selling the property. Interest is usually charged monthly and can be rolled up into the loan.
How much does bridging finance cost?+
Bridging loan rates typically start from around 0.5% per month, depending on the loan-to-value ratio, property type, and exit strategy. There are also arrangement fees (usually 1-2% of the loan) and valuation costs. Provide Finance can introduce you to specialists who will outline all costs clearly.
How quickly can bridging finance be arranged?+
Bridging finance can often be arranged within 5-14 working days, and in some cases faster. This makes it suitable for auction purchases where completion is typically required within 28 days. Provide Finance helps by routing your enquiry to specialists experienced in fast turnarounds.
What is an exit strategy for a bridging loan?+
An exit strategy is how you plan to repay the bridging loan. Common exit strategies include refinancing onto a buy to let mortgage, selling the property, or using proceeds from the sale of another asset. Lenders require a clear and credible exit strategy before approving a bridging loan.
What is the difference between residential and investment bridging loans?+
Bridging loans for properties you or a family member will live in are subject to additional consumer protections and lending criteria. Bridging loans for investment or commercial purposes have different requirements and may offer greater flexibility. Provide Finance introduces you to specialists who can explain the appropriate structure for your situation.
What loan amounts are available with bridging finance?+
Bridging loans typically range from £50,000 to several million pounds. Most lenders offer up to 75% loan-to-value on standard properties, with some offering higher leverage on a case-by-case basis. The amount available depends on the property, exit strategy, and borrower profile.
Explore other
finance options.
Explore specialist finance options structured around your property strategy.
Need short-term finance quickly?
Tell us about your deal and we will connect you with the right specialist.