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Bridging Loans for London

Can I get a bridging loan for a property in London?

Bridging loans are available for properties in London. The London property market can be broken down into many sub-markets, with each area presenting a different challenge from a lending perspective. We are highly familiar with the London market and able to leverage our experience and relationships with leading lenders to secure you favourable terms.

Can you offer loans for property in ultra-prime locations?

Properties in Knightsbridge, Westminster, Kensington, Chelsea and such are in very high demand, they can be difficult to finance for the uninitiated. That is because very few can afford to purchase these properties, making the market less liquid than many others across the UK.

As such, many bridging lenders are reluctant to offer finance on these properties. That said, there are a number of bespoke options available to support clients who are looking to raise funds against ultra-prime property.

In these cases, it’s important that you work with an experienced expert who will negotiate favourable terms and can leverage relationships with lenders.

We’ve been funding high end London property for over 20 years and don’t charge any fees for our service.

Do you have a maximum loan size?

We’re able to fund applications from £25,000 with no maximum loan size.

Larger loans are no issue with us, we’re able to fund them without issue.

How much can I borrow?

We’re able to fund up to 75% loan to value (LTV) in most cases, when securing against residential property.

Commercial bridging loans may be slightly restricted to 65-70% LTV depending on the property type and its location.

In some cases, we may be able to lend more than 75% against residential property, where additional security is offered or the property is being purchased below market value (BMV). The best way to find out how much you could borrow is by contacting us today.

Who can apply?

We’re able to consider almost any borrowing structure with applications in individual names, partnerships, Ltd companies, investment vehicles and pensions schemes all acceptable to us.

We can offer loans to UK nationals, expats and foreign nationals, whether they live in the UK or not.

For more, read our guide to large bridging loans or find out how short-lease bridging loans can help you to profit from property investment.

What is a bridging loan?

A bridging loan is a short-term loan which is typically arranged for a period of 1-18 months. They’re secured against property or land, in much the same way as a mortgage.

They’re a very flexible type of loan, which makes them a popular option for funding situations which could not be funded using traditional mortgages.

What can they be used for?

Due to the flexibility of bridging loans, they can be used for almost any legal purpose, the main ones are the following:

  • Buying a property before selling an existing one
  • To purchase an unmortgageable property
  • Funding auction purchases
  • Completing a property purchase quickly
  • Funding for property refurbishment projects

These are just common uses, if you’re unsure whether bridging finance would be right for you, get in touch and we’ll be happy to advise you.

Key features

  • Max LTV Up to 80%
  • Interest rate From 0.43% per month
  • Charge types 1st, 2nd & 3rd considered
  • Term 1-36 months
  • Interest type Added to the loan, deducted or serviced
  • Completion timescale 5 days – 3 weeks


  • Residential, commercial property or land acceptable
  • Available to individuals, partnerships, LLPs, Ltd companies, offshore companies, foreign nationals and pension funds
  • Minimum applicant age 18 years – no maximum age
  • Available in England, Scotland, Wales and Northern Ireland
  • Habitable and non-habitable property acceptable
  • Adverse credit accepted (on a case by case basis)

Bridging Loans
Commercial Bridging Loans

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