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An indicative commercial illustration in minutes, not weeks.
Cubik Commercial
Bridging

Bridging finance when timing matters.

Short-term funding from 1 to 24 months for purchases, refurbishments, auctions and chain breaks.

About bridging lending

When the deal won’t wait for a term lender.

Bridging exists for deals a term lender cannot move fast enough for: an auction purchase with twenty-eight days to complete, a chain about to collapse, a building that needs work before any mortgage lender will touch it.

A bridging loan is priced monthly and repaid from a defined exit: the sale of the property, a refinance onto a term mortgage, or the completion of works that make the property mortgageable. Interest can be retained (deducted from the advance up front, so there is nothing to pay during the term) or serviced monthly. We arrange unregulated bridging only — lending secured on investment and business property, not on a home you or a close family member will live in.

Rates depend on the case profile: a clean case with a strong borrower, a standard residential asset and a low loan-to-value prices tightest; complexity (adverse credit, a niche asset, a second charge or a high LTV) moves the rate up but rarely makes a case unplaceable. Land, commercial and semi-commercial property each have their own product and limits.

A bridge is only as good as its exit, so that is where we start rather than where we finish. We stay on the case until the sale completes or the term refinance draws down — a bridge that runs past its term gets expensive quickly, and the way to avoid that is to plan the last month before the first one.

Bridging · key criteria

  1. 01Loans from £75,000 to £50 million
  2. 02Terms from 1 to 24 months
  3. 03Up to 75% loan to value (50% on land)
  4. 04Residential investment, semi-commercial and commercial
  5. 05Exit by sale or refinance

FAQs

Common questions about bridging lending.

How fast can a bridging loan complete?

Often within two to three weeks, and faster where the lender can use an automated or desktop valuation and the legal work is straightforward. Speed is the point of the product, so we front-load the paperwork.

What’s the difference between retained and serviced interest?

Retained interest is deducted from the loan at the start, so you receive a lower net advance but make no monthly payments. Serviced interest is paid monthly and you receive the full gross loan. Retained suits projects with no income during the term.

What exits do lenders accept?

Sale of the property, refinance onto a buy-to-let or commercial mortgage, or sale of another asset. The exit needs to be credible and evidenced, and we’ll help you show that it is.

How much can I borrow?

Typically up to 70–75% of the property value on a first charge, less on land, second charges and complex cases. Some lenders will lend against the value after works on a refurbishment project.

Can I get a bridging loan with bad credit?

Usually, yes. Bridging lenders focus on the asset and the exit more than the credit file. Adverse credit places the case in the standard or complex profile, which affects the rate rather than the decision.

Is bridging regulated?

A bridge is regulated where the property is, or will be, your home or a close family member’s. We do not hold the FCA permission for regulated mortgage contracts, so we arrange unregulated bridging only: investment and business property. If your case turns out to be regulated we will say so straight away and point you to a broker who can help.

Lender panel

The right lender, not the nearest one.

  • HSBC
  • NatWest
  • Nationwide
  • Shawbrook
  • HTB
  • Cambridge & Counties Bank
  • Allica Bank
  • + many more across the market

*We have access to the lenders shown, among others.

Other lending

Finance across the whole commercial market.

Bridging finance

Tell us the exit. We’ll move on the rest.

Short-term money moves at the speed of the deal. Bring us the exit and we will bring the lender.

No credit check. No obligation.

  1. 1

    Set the deal

    Property, loan, term, and whether interest is retained or serviced.

  2. 2

    Grade the case

    Clean, standard or complex — that is what moves the monthly rate.

  3. 3

    Fund the bridge

    Straight to the lenders who can work to your deadline.