The bridging finance broker that moves in days, not weeks.
A specialist UK bridging finance broker for auction deadlines, chain breaks, refurbs and land purchases. Call and you get Ashley, not a call centre. Decisions in as little as 24 hours, from £50k to £5m+.
Talk to Ashley about your deal
I'm Ashley, and it's my name on the door
I started broking in October 2015. When you call, you get me, not a sales team or a call centre queue. I'll tell you honestly whether bridging is right for your situation, what it really costs, and how fast we can genuinely move.
Sheila (25 years a broker) and Kelly (the engine room) make sure nothing sits in a pile. Between us: 40+ years and £250m+ of deals.
Every kind of bridging loan
Specialist pages for specialist problems. Find your situation, or just call and describe it.
Auction Bridging
Complete inside the 28-day deadline with funding agreed before you bid.
Learn more →80% LTV Bridging
Higher leverage bridging, with routes to 90% and 100% using extra security.
Learn more →Chain Break
Secure the new home before your sale completes. Keep the dream house.
Learn more →Land Bridging
With or without planning: agricultural land, development plots and paddocks.
Learn more →Refurbishment
Light and heavy refurb funding, released in stages if you need it.
Learn more →Bad Credit Bridging
Lenders who look at the deal and the exit, not just the credit score.
Learn more →Second Charge
Raise funds behind your existing mortgage without disturbing it.
Learn more →Below Market Value
Move fast on discounted deals, then refinance or sell on your terms.
Learn more →Four steps, at your deadline's speed
You talk to the same broker from first call to completion. No handoffs, no call centre.
Tell us the deal
A 10-minute call with Ashley. Property, timing, exit plan. Plain English, no forms to fill first.
We work the market
We go to the lenders that fit your case, including the ones that move in days, not weeks.
Decision in 24 hours
You get a clear recommendation with the real costs shown up front. You decide.
Funds released
We chase the valuers and solicitors so your deadline is met. You get on with the project.
Step 01 takes ten minutes. Book a Call →
Real clients, real deadlines, real numbers
Three deals we placed. The figures are the ones from the terms, not rounded up for effect.
Five flats under one freehold title. The client wanted maximum leverage so their own cash could go on the refurbishment and the title split. Structured at 80% gross, £409,000 including the fee. The net advance was £353,374 — just under 71%, and that's the number that decides whether a project works. Exit: refinance each flat individually.
Semi-commercial, vacant upstairs and down, which is exactly why it was available at that price. Funded at 65% gross, about £235,000 net, twelve months, bought in a limited company. Split into four flats on four separate titles. Worth around £700,000 converted.
The client owned a house with an unusually large garden backing onto the next street. We remortgaged the house and split the title so the end of the garden became a plot in its own right, worth £75,000 with no permission on it. He took it through planning himself and came back with consent for a six-bed detached. Same grass, same boundaries — worth £125,000 more. End value of the finished house, £550,000.
These are real transactions. The figures relate to the circumstances and the lending terms available at the time of each one, and the terms available to another borrower may be different. Some figures are approximate.
Rated 5 star on Google
Every review below is a verified Google review, left by a client whose deal we placed. Read them on Google →
"We needed to move quickly because of the auction timescales, and Ashley responded promptly and efficiently, making the whole process stress-free and ensuring we completed on time."
"Ashley and his colleagues were professional, efficient and super responsive. They took so much time to explain things clearly to us to make the process less daunting."
"Ashley and his team were superb at arranging bridging finance on a property I owned. He was able to get an offer and completion within 4 working days which saved a purchase of another property in my portfolio."
Tools, answers and proof
Everything you need to research a bridging deal properly. Built by us, free to use, no email demanded (except the guides, which are worth one).
📊 Live Rates Tracker
Honest market ranges by LTV, date-stamped. Almost no broker publishes these.
See the rates →🧮 Calculators & Lender Search
Model your deal with the working calculator, then run the live lender search. Send us what you find and we'll tell you straight if we can beat it.
Run the numbers →📁 Case Studies
Real deals with real numbers: £ amounts, day counts, and how close each one came to falling over.
Read the deals →📕 Free Guides
The deep dives as downloadable PDFs: timelines, land, auctions. Keep them, print them, send them to your solicitor.
Get the guides →🎙 The Podcast
Ten minutes, one question per episode, answered like you'd asked over a coffee. On Spotify & Apple.
Have a listen →🎬 Videos
Ashley on camera: 90-second explainers on the questions everyone asks. Occasionally on a mountain.
Watch →Transparent, honest advice from Bridging Finance Broker
What is a bridging loan and how does it work?
It's a short term loan secured against property, normally running anywhere from a month to a year. People use it to cover a gap. Maybe you've bought before you've sold, or the mortgage won't be ready in time, or the property needs work before a normal lender will touch it. Interest builds up monthly and most clients let it roll up rather than pay as they go, then the whole thing is cleared in one go when you sell or refinance.
How much does a bridging loan cost?
More than a mortgage, and anyone who tells you otherwise is selling something. Rates start around 0.55% a month at the lowest loan to values and climb from there depending on how much of the property's value you borrow. On top there's an arrangement fee, usually 2% of the loan, the valuation and legals. Before you commit we put every cost in writing, and we publish our rates tracker so you can sanity-check us.
Are bridging loans a good idea?
They're a good tool for a short gap with a clear way out. They're a bad way to borrow long term. A fair few of our first calls actually end with us suggesting something else, a remortgage or a further advance or just waiting. If bridging isn't right for you we'd rather tell you on day one.
What happens if I can't repay on time?
Ring us early, that's the main thing. If the sale or refinance is delayed rather than dead, lenders will usually extend, or we refinance you onto something else. We won't dress it up though. The loan is secured on the property, and if everything goes wrong the lender can repossess. It's why we spend so much time testing your exit before you borrow a penny.
How long does it take to get a bridging loan?
A lending decision can come back inside 24 hours. Money in your account is usually 5 to 10 working days, and most of that's waiting on the valuer and the solicitors. If you've got a hard deadline, tell us on the first call and we'll work backwards from the date.
Do I make monthly payments?
Usually not. The interest is rolled up or held back from the loan at the start, and it all gets settled when you sell or refinance. Most clients like knowing there's nothing to find each month while they're mid-project.
How much deposit do I need?
Usually 25 to 30%, because most lenders cap out around 70 to 75% of the property's value, occasionally 80%. If cash is tight there are ways round it, like putting up another property with equity as extra security. Our 80% LTV page covers the higher-leverage routes.
The clock's ticking on your deal. Let's talk today.
Call now, book a call, or message Kelly on WhatsApp, whichever suits you.
Prefer to put it in writing? Email support@bridgingfinancebroker.co.uk