Bridging &
Development Finance
Flexible property finance when timing, structure or complexity matters.
From auction purchases and refurbishment projects to land acquisition and ground-up development, short-term finance can help you move quickly and keep a transaction progressing.
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Finance built around the transaction.
Bridging and development finance can be structured around the property, works required, timescale and proposed exit.
Where short-term property finance can help
Bridging isn't just for one type of transaction. It can solve a range of property funding requirements where conventional mortgage timescales or criteria don't fit the deal.
Auction Purchases
Short completion deadlines can require funding to be arranged more quickly than a conventional mortgage.
Breaking a Chain
Secure a purchase before an existing property has sold, with repayment usually planned from the later sale.
Refurbishment
Fund a property that requires improvement before it can be sold or refinanced onto longer-term borrowing.
Conversions
Finance changes of use, reconfiguration or more substantial works before moving to the intended exit.
Land & Plots
Funding may be considered on land with planning, without planning or where consent is still being progressed.
VAT Bridging
Short-term funding can help meet VAT payable on qualifying commercial purchases while a reclaim is processed.
Bridging or Development Finance?
They are both short-term property finance, but they're structured for different types of project.
Bridging Finance
Generally suited to a property transaction where funding is required for a relatively short period before an identifiable exit.
Development Finance
Designed for projects where construction costs form an important part of the transaction and funding is typically drawn in stages.
What can be used as security?
Short-term property finance can potentially be arranged across a broad range of property and development assets. Select a category to explore some typical scenarios.
Residential Property
Houses, flats, HMOs and multi-unit blocks can all potentially support short-term finance.
Funding can be considered for purchases, refinancing, refurbishment and conversion projects, depending on the property and proposed exit.
Commercial Property
Offices, shops, workshops, garages, warehouses and other commercial buildings can potentially support bridging or development lending.
Finance can be structured around acquisitions, refurbishment, refinancing or conversion to another use.
Land & Plot Finance
Funding may be possible on land with or without planning permission.
The lender will typically consider the site's current value, planning position, development potential, proposed GDV and intended exit.
VAT Bridging
Commercial property transactions can create a significant short-term VAT funding requirement.
A separate facility can potentially fund the VAT element until the reclaim is received, helping preserve working capital for the wider transaction.
Refurbishment & Conversion
Short-term facilities can support anything from straightforward modernisation to significant structural works.
Larger projects may move toward a development-finance structure where funds are released in stages as works progress.
How a Bridging Loan Works
The structure is short-term by design, so the planned route out of the facility is considered from the outset.
The Opportunity
A property, site or funding requirement is identified.
Assessment
Property value, borrowing requirement and exit strategy are reviewed.
Funds Released
Once requirements are satisfied, the facility completes and funds are made available.
The Exit
The bridging facility is repaid from sale, refinance or another agreed source.
A clear route from enquiry to completion.
Short-term finance can move quickly, but the structure still needs to make sense. We help assess the transaction, approach suitable lenders and coordinate the funding process through valuation, legal work and completion.
Speak to an Advisor
Have a funding requirement you’d like to discuss? Speak directly with one of our commercial finance advisors.
We aim to respond to enquiries
within 2 working hours.
Book a quick, no-obligation consultation with one of our commercial finance specialists — we’ll help you find the most suitable solution for your business.