Fast Bridging Finance provides a practical solution for property investors, developers, and homeowners who need rapid access to funding. Borrowers can access bridging loans from £50,000 to £10 million via Finance Hub, and can receive approval within 7-14 days. From buying a property at auction, avoiding a broken property chain, financing refurbishment works, or emergency finance, we can be flexible enough to act quickly. With access to over 250 specialist lenders and a wealth of experience in the London property market, we can help clients secure competitive rates as low as 0.45% per month.
Need fast, flexible property finance in London? Our expert bridging loan specialists provide same-day decisions and rapid completion for all types of property transactions. Whether you're buying at auction, breaking a property chain, refurbishing a development, or need emergency property funding, we have access to 250+ specialist lenders to secure the most competitive bridging finance terms.
With over £500 million in bridging loans arranged and 15+ years of London market expertise, Finance Hub delivers the speed, flexibility and competitive rates you need to capitalize on property opportunities.
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Bridging finance (also known as bridging loans or bridge loans) is a short-term secured lending solution designed to “bridge” the financial gap between buying a new property and selling an existing one, or to provide fast property funding when traditional mortgages aren’t suitable. These flexible loans typically last 1-24 months and are secured against property, offering speeds that traditional lenders cannot match.
In London’s fast-paced property market, bridging finance enables buyers, investors and developers to move quickly on time-sensitive opportunities—from auction purchases to property chains, refurbishment projects to commercial acquisitions.
Unlike traditional mortgages that can take months to arrange, bridging loans work differently. They’re based primarily on the value of the property being used as security (the asset) rather than your income or credit history. This makes them ideal for:
Designed for businesses seeking fast and flexible financing to acquire, develop or renovate commercial properties, commercial bridging loans provide a short term financial boost when traditional funding options may not be feasible. These loans are ideal for investors, developers and business owners needing to secure a property quickly or complete urgent refurbishments.
A practical solution for property developers, landlords and investors looking to secure short term financing for residential property acquisitions or refurbishments. Whether you need to purchase a buy to let property, renovate a home or bridge a financial gap between property transactions, residential bridging loans offer an effective solution.
A short term financial solution for businesses that need immediate cash flow support, business bridging loans help cover urgent financial needs such as working capital shortages, expansion opportunities or unexpected expenses. These loans provide flexibility and speed, making them a valuable tool for business continuity and growth.
Businesses that require immediate funding while transitioning to long term refinancing solutions can benefit from refinancing bridging loans. These loans provide short term liquidity, ensuring that financial commitments are met while waiting for approvals on longer term financing arrangements.
Finance Hub offers fast bridging finance products that are tailored to the needs of property investors, developers, landlords, and business owners. From property acquisition to renovation, refinancing, and business cash flow, our bridging loans are flexible and offer quick access to capital.
Quick and agile financing for the acquisition, development, or refurbishment of commercial property.
Finance for short-term residential property purchases, renovations, and investment opportunities.
Businesses that need to access working capital due to short-term cash flow issues or expansion can benefit from this.
A short-term funding option that provides businesses with liquidity until they can secure long-term financing.
Regulated bridging loans are governed by the Financial Conduct Authority (FCA) and apply when the property being used as security is or will become your main residence, or a second home for personal use.
Unregulated bridging loans are not governed by FCA consumer protection rules and are used for commercial purposes, investment properties, or properties not used as your main residence.
A first charge bridging loan means the lender has the primary legal charge over the property. If the loan isn't repaid, they have first priority over the asset before any other creditors.
A second charge bridging loan sits behind an existing first charge (typically a mortgage). The lender is in second position, meaning they have secondary claim on the property if repayment issues arise.
An open bridging loan has no fixed repayment date. You agree to repay within a maximum term (typically 12 months), but the exact date is flexible based on your exit strategy (e.g., property sale).
A closed bridging loan has a specific, agreed repayment date from the outset. You know exactly when the loan will be repaid (e.g., completion of property sale with exchanged contracts).
Bridging Finance provides a short term funding solution, allowing you to move quickly on property deals, refinance existing loans or secure urgent funds. It is particularly useful for:
Secure bridging finance to purchase commercial or investment properties without waiting for long-term financing.
Cover operational expenses, payroll or unexpected costs while awaiting incoming payments.
Invest in new ventures, equipment or stock to drive business expansion.
Act quickly on time sensitive property deals by securing immediate funding.
We don't offer any other kinds of finance. We're a bespoke lender with unrivaled experience in the property market.
We've lent millions to Scottish property developers and investors every single year, for the last 14 years.
Get quick access to flexible funding for property purchases, refinancing, and business opportunities. Our experts help you secure competitive bridging loan solutions with fast approvals and completions.
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We offer quick approvals and efficient processing, ensuring that businesses receive the funds they need without unnecessary delays.
Our team of financial specialists is dedicated to guiding you through the entire process, ensuring a seamless experience from application to repayment.
Our Bridging Finance solutions come with transparent terms and competitive interest rates, making short term borrowing more manageable.
Every business is unique and so are our financing options. We work closely with our clients to provide bespoke funding solutions that align with their needs.
1.1 These Terms and Conditions govern the provision of Bridging Finance services by Finance Hub.
1.2 By applying for or accepting a Bridging Finance loan, you agree to be bound by these terms.
2.1 Bridging loans are available from £5,000 to £20,000,000.
2.2 Approval decisions are typically provided within 24 hours.
2.3 Funds may be disbursed within 24 hours after final approval, subject to due diligence.
3.1 Minimum borrower age: 18 years old.
3.2 Loans are available for properties located in England, Wales and Scotland (excluding Northern Ireland).
3.3 Eligible property types: Residential, mixed-use and commercial properties.
3.4 First charge is required, but second charge may be considered on a case-by-case basis.
3.5 Maximum Loan to Value (LTV) is 75%, with the potential to increase to 100% if additional security is provided.
3.6 Available to UK residents, non-residents, UK companies and trusts.
3.7 All credit profiles are considered.
4.1 Repayment terms range from 3 to 12 months.
4.2 Early repayment is allowed, with certain options available without early settlement penalties.
4.3 Loans may be secured or unsecured, depending on borrower circumstances.
4.4 Competitive interest rates starting at 0.55% per month.
4.5 Arrangement fees typically 2% of the total loan amount.
4.6 Exit fees may apply, depending on loan terms.
Bridging loans may be used for:
5.1 Property purchases (commercial, residential or investment).
5.2 Cash flow management, including operational expenses and payroll.
5.3 Business growth, including new ventures, stock purchases and equipment investments.
5.4 Auction property purchases requires immediate funding.
5.5 Refinancing existing loans while awaiting long-term financing solutions.
Loan process follows the same steps as mentioned above.
7.1 Valuation Fees: A property valuation is required prior to loan approval.
7.2 Arrangement Fees: Typically 2% of the total loan amount.
7.3 Exit Fees: Some lenders may charge a redemption fee when the loan is repaid early.
7.4 Other Fees: Any additional charges will be clearly disclosed before the loan agreement is signed.
8.1 Failure to make timely repayments may result in additional interest charges and penalties.
8.2 In cases of default, Finance Hub reserves the right to take legal action to recover the loan amount.
8.3 Borrowers are encouraged to contact Finance Hub in advance if they anticipate difficulties in repayment
9.1 Loans are subject to Finance Hub’s approval process and compliance checks.
9.3 Finance Hub complies with all relevant UK financial regulations and lending laws.
9.4 Borrowers may be required to provide additional documentation, including proof of identity, financial statements and security details.
10.1 Finance Hub reserves the right to amend these terms and conditions at any time.
10.2 Changes will be communicated via our website or direct borrower communication.
10.3 Finance Hub may terminate a loan agreement in cases of fraud, misrepresentation or breach of contract.
All finance applications go through the status, affordability, property valuation, and lender approval process. The availability of loans, interest rates, loan-to-value ratios, and loan completion times can differ based on individual circumstances, the type of property being used as security, and the particular lender’s criteria.
Finance Hub is a finance broker and not a lender, and will connect clients with a panel of specialist lenders that may have suitable fast bridging finance solutions. Applicants must ensure that they give accurate and complete information during the application process. Other lender charges, such as valuation fees, legal fees, arrangement fees, and more, may apply and will be disclosed before the completion of any agreement.
If you do not pay back the money on time, you may incur extra fees and risk losing the property that is being used as collateral. Lending terms, conditions, and criteria may change without notice.
1.1 Applicants must meet the specified eligibility criteria, including but not limited to:
● A minimum age of 18 years.
● Project location within the UK (except Northern Ireland at present).
● Submission of accurate and verifiable personal and project information.
1.2 Finance Hub reserves the right to reject applications that fail to meet these criteria or are found to contain incomplete, false misleading information.
2.1 All funding is subject to a comprehensive credit assessment and project evaluation conducted by Finance Hub. Approval is not guaranteed and Finance Hub retains the discretion to approve or deny any application.
2.2 The approval process requires the submission of all requested documentation, including proof of project ownership, development plans and financial records, within the stipulated timeline.
3.1 A first charge security is a mandatory condition for all approved funding solutions.
3.2 Additional security may be required at Finance Hub’s discretion, particularly for projects exceeding standard risk thresholds.
3.3 If the borrower defaults on repayment or fails to meet agreed upon obligations, Finance Hub reserves the right to take possession of the secured property or assets.
4.1 Interest rates and repayment terms will be explicitly outlined in the funding agreement and are tailored to the specifics of the project.
4.2 Any delay or default in repayment will incur additional charges, including penalty fees, as specified in the agreement.
4.3 Changes to repayment schedules must be requested in writing and are subject to Finance Hub’s approval.
5.1 Any misrepresentation, falsification, omission of key information in the application process will result in immediate disqualification of the application.
5.2 If such issues are identified after funding has been disbursed, Finance Hub reserves the right to demand immediate repayment of all funds, along with applicable penalties.
6.1 Applications from non residents of the UK will be considered on a case by case basis and must comply with additional documentation and security requirements.
6.2 Finance Hub reserves the right to impose stricter terms for non resident applicants, including higher interest rates or additional security.
7.1 Funding is limited to projects related to residential, commercial and mixed-use developments, land purchases and renovations, as per the criteria set by Finance Hub.
7.2 Projects must demonstrate feasibility and adherence to local regulations and planning approvals. Failure to meet these requirements may result in withdrawal of funding.
8.1 Finance Hub reserves the right to amend these terms and conditions at any time. Such amendments will be communicated to applicants and borrowers as necessary.
8.2 The funding agreement may be terminated by Finance Hub in the event of a breach of terms, including but not limited to:
● Default on repayment obligations.
● Use of funds for purposes other than those outlined in the agreement.
● Violation of applicable laws or regulations.
9.1 All funding agreements are governed by and constructed in accordance with the laws of England and Wales.
9.2 Any disputes arising from or related to the funding agreement will be subject to the exclusive jurisdiction of the courts of England and Wales.
10.1 Approval of funding and the terms thereof are at the sole discretion of Finance Hub. The company is not liable for any losses incurred due to delays, non approval of other factors outside its control.
10.2 Finance Hub does not provide financial or legal advice. Applicants are encouraged to seek independent advice before entering into any agreement.
We provide tailored funding solutions to help businesses and organizations achieve sustainable growth with confidence.
Our experts help you identify the right funding opportunities and create strategies for long-term development and success.
Loans provide accessible and adaptable financing to help businesses invest in inventory, equipment, expansion projects.
Access flexible and fast bridging finance solutions tailored to your property or business needs. With quick approvals and funding available in as little as 7–14 days, you can move forward with confidence when opportunities arise.
Discover the answers to bridging loans questions, including who’s eligible, loan terms,
application process, and repayment schedules.
Bridging Finance is a short term loan designed to help businesses and property investors secure funding quickly while arranging long term financing or waiting for other funds to be released.
Funds can be available within 24 hours of approval, depending on the loan type and requirements.
No, we consider all credit profiles, including those with poor credit history.
1- Development Finance Loans are tailored for specific development needs.
2- Bridging Loans are short term funding solutions.
3- Private Investors are funds from venture capitalists or angel investors.
4- Equity Partnerships are shared costs and profits with partners.
5- Conventional Bank Loans are suitable for low risk projects with strong financial profiles.
No, we consider all credit profiles, including those with poor credit history.
Bridging loans can be used for purchasing property, refinancing, business cash flow, auction purchases and property development, among other needs.
We offer a maximum Loan-to-Value (LTV) of 75%, but this can be increased to 100% with additional security.
No, we provide transparent terms with no hidden or excessive fees.
Our bridging loans have flexible repayment terms ranging from 3 to 12 months.
