Award-winning UK
bridging finance
broker
Need bridging finance quickly? We arrange bridging loans for auctions, refurb projects, chain breaks and time-sensitive deals. Clear costs and broker support from start to finish.
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40+
Years Combined Team Experience
£0
No Unnecessary Broker Fees
£250 Million
in Bridging Loans Secured
24 Hours
Decisions in as little as 24 hours
Our Services
Fast, flexible short-term property finance solutions tailored to your unique requirements.
Bridging Finance
Fast, flexible short-term property finance for purchases, chain breaks, and time-sensitive deals. Decisions in 24-48 hours.
Auction Bridging Loans
Win the bid, complete on time. Fast funding for auction purchases, including unmortgageable properties and complex titles.
Refurbishment Bridging
Short-term funding for light and heavy property refurbishment. Cover the works, then refinance or sell when complete.
Regulated Bridging
FCA-regulated bridging for residential properties you live in or will live in. Capped 12-month terms, fully protected.
Second Charge Bridging
Raise capital against property equity without disturbing your existing mortgage. Short-term and flexible.
Development Finance
Structured funding for ground-up builds, conversions, and major refurbishments. Released in stages as works progress.
Meet The Team
Led by CeMAP-qualified brokers with over 40 years of combined experience in specialist lending.
Ashley Morley, CeMAP
Director and Founder.
I started broking in October 2015. A decade on, I've worked on every kind of property finance you can think of. Residential mortgages, buy-to-let, bridging, commercial, development.
The cases I'm proudest of are normally the ones other brokers turned down. Complex BTL portfolios. Bridging on properties high street lenders won't touch.
In 2026 I was named Winner of Best Broker for Complex Buy-to-Let at the British Specialist Lending Awards.
Sheila, CeMAP
Senior Mortgage & Bridging Specialist.
Sheila has been a broker for over 25 years. She knows this market backwards..
She works with us as a self-employed senior broker, which means clients dealing with Sheila get 25 years of experience focused entirely on their case. Her specialism is complex buy-to-let, bridging, and development finance.
Calm, methodical, and the kind of broker who picks up the phone when she says she will. We put Sheila on cases that need a clear head and careful handling, particularly the ones with a lot to navigate.
Kelly Stone
Executive Assistant and Case Manager
Kelly is the engine room. Six years in property, with the move into specialist mortgages happening late last year. She runs everything that happens behind the scenes on every case we work on.
Paraplanning, document chasing, lender liaison, solicitor coordination. All the operational work clients never see but absolutely feel.
While I focus on the lending strategy and Sheila handles the complex conversations, Kelly is the one making sure nothing falls through the cracks, nothing's late, and you always know exactly where your application stands.
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Frequently asked questions
Everything you need to know about the bridging finance broker
What is a bridging loan and how does it work?
A bridging loan is a short-term loan designed to “bridge the gap” between buying and selling a property, or while waiting for other funding. It’s secured against property or assets and usually repaid within 12 months often via sale or refinance.
Can you get 100% bridging finance?
Yes, but only in very specific circumstances. A 100% bridging loan lets you borrow the full value of a property without a deposit. To qualify, you’ll need additional security (like another property) and meet strict lender criteria. We can assess your eligibility and connect you to lenders who offer this.
How fast can I get a bridging loan approved?
You could receive a Decision in Principle within 24–48 hours, with funds released in as little as 5–10 working days, depending on your case, the valuation, and solicitors. Need it faster? We’ll prioritise urgency.
What’s the difference between regulated and unregulated bridging loans?
A regulated bridging loan applies when the property is or will be your residence. It’s FCA protected and capped at 12 months. Unregulated bridging loans apply to investment or commercial properties and may offer terms up to 24 months.
Do I need to make monthly payments on a bridging loan?
Not usually. Most clients choose rolled-up interest, where all costs are paid at the end. You can also service the interest monthly or go for a hybrid model depending on your cash flow and preferences.
Can I get a bridging loan with bad credit?
Yes. Many specialist lenders focus on the strength of your security and exit strategy rather than your credit history alone.
What can a bridging loan be used for?
A bridging loan can be used for buying at auction, breaking a property chain, refurbishing or converting property, purchasing development sites, covering business cash flow or tax bills, and releasing equity for investment.
What’s an exit strategy and why does it matter?
An exit strategy is your plan for repaying the loan. This might be selling a property, refinancing onto a mortgage, or releasing funds from another asset. It’s the most important part of your bridging loan application and we’ll help you get it right.
How much does a bridging loan cost?
Rates typically start from 0.55% to 1.5% per month, with additional fees for arrangement, valuation, and legal work. We’ll provide a full breakdown before you commit and we never charge hidden broker fees.
Can I use a second charge bridging loan?
Yes. If your property already has a mortgage but enough equity remains, we can arrange a second charge bridging loan without disturbing your current deal.
What’s the difference between bridging finance and development finance?
Bridging finance is short-term funding, usually secured against property and repaid via sale or refinance. Development finance is structured funding for building or refurbishing property released in stages as work progresses.
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