Bridging finance

Bridging Finance offers a flexible and efficient way to secure, refinance, or release equity from property or land. Particularly when traditional funding routes fall short.

£150k – £10m
loan size
Up to 80%
loan to value
50+
lenders compared

Bridging Finance: Fast & Flexible Financing Solutions

This fast access solution can be arranged against a wide range of asset types, on both a first and second charge basis, making it ideal for time sensitive opportunities or complex financial structures.

Key Features

  • Up to 80% available
  • Rates from 0.55% per month
  • No exit fees
  • 24 month terms available
  • Interest can be retained, rolled up or serviced
  • Regulated (for personal home) or unregulated loans available
  • Residential and commercial bridging
  • Whole of market fully advised service available
  • Access to Bondsmore exclusives

From enquiry to funds,
in three steps

  1. Check eligibility

    A short online form or a call with an adviser. No credit check at this stage.

  2. We get you approved

    We compare the market, package your case and manage the application through to approval.

  3. Funds released

    Legal work completes and the money is released, so you can acquire the asset or unlock capital.

Start with a quote

What clients say

Rated 5.0 from 10 Google reviews, collected automatically.

Read all reviews on Google
  • ★★★★★
    “Bondsman Financial services and especially Raffaele Graci gave me and my company exception service. It is a pleasure doing business with them”
    Bright Ideas · Google
  • ★★★★★
    “Raff and the team are amazing at what they do. Happy to answer any questions that you have and are quick to respond.”
    Lorraine Kokas · Google
  • ★★★★★
    “Exceptional service provided 👍”
    Eren Guner · Google

Bridging finance: your questions

If you can’t find your question here, contact us and an adviser will get back to you.

Contact us
When would I use a bridging loan?

Bridging loans are commonly used for: Property purchases at auction / Refurbishment or conversion projects / Buying below market value (BMV) properties / Chain break solutions / Capital raising on existing property / Unmortgageable properties (e.g. no kitchen or bathroom) / Land purchases with or without planning permission

What are the typical terms of a bridging loan?

Bridging loans are short-term, usually between 3 to 24 months, with most borrowers exiting within 6–12 months via refinance or sale.

Do I need to make monthly payments?

Not usually. Many bridging loans are rolled up, meaning interest is added to the loan and repaid at the end, improving short-term cash flow.

Can I get a bridging loan with bad credit or no income?

Yes, bridging finance is often asset-based, meaning decisions are made on the value and exit strategy rather than credit score or income. However, every lender has different criteria.

What is an “exit strategy” and why is it important?

An exit strategy is how you intend to repay the loan, for example, by selling the property or refinancing onto a long-term mortgage. A clear, realistic exit is crucial for lender approval.

Are there fees involved?

Yes. Common fees include: Arrangement fees / Valuation fees / Legal fees / Exit fees (depending on the lender) / Broker fees

Have a deal in mind?

Send us the details and an adviser will come back to you with options.