Secure funding from £200,000 to £15 million with decisions in
as little as 10 minutes and funds available in 48 hours.
Bridging loans are short-term property-backed loans designed to provide immediate access to capital while you arrange longer-term finance or complete a property sale.
Unlike traditional mortgages that can take months, bridging finance can often complete within days, helping investors, developers, and homeowners move quickly when opportunities arise.
The versatility of short-term property finance means it can be applied to a wide variety of complex situations. Mainstream lenders often have rigid criteria, but bridging finance takes a more pragmatic approach.
Avoid losing your next property purchase when your current sale falls through.
Secure auction properties and meet strict completion deadlines.
Purchase and renovate properties before refinancing or selling.
Choosing bridging loans offers several distinct advantages when dealing with time-sensitive or unconventional property transactions:
Receive funding in as little as 48 hours.
Residential, commercial, and development finance.
Asset-focused lending with pragmatic underwriting.
No monthly payments on selected products.
Submit basic details.
Initial decision within 10 minutes.
Valuation and underwriting.
Complete in as little as 48 hours.
Transparent pricing with no hidden surprises.
Included Costs
You may be eligible if you meet the following:
Maximum Loan Size
Decision Time
Fastest Completion
Loan Terms
At Rapid Bridging, we’ve helped countless people just like you achieve their goals quickly, reliably, and stress-free. Don’t just take our word for it. Explore our case studies to see real-life examples of our tailored solutions and discover why our clients consistently choose us for our rapid and trusted expertise.
Area: Nottingham
Capital Raised: £800k
Date: February 2025
Mr & Mrs are a married couple residing in Nottinghamshire. They own a mortgage-free five-bedroom barn conversion valued at £1.1 million and a mortgage-free buy-to-let property valued at £269,000. The couple sought a bridging loan of £799,085.30 to facilitate the purchase of a property in a large village in Nottinghamshire, valued at £1.9 million. They had secured a £1,000,000 mortgage offer and required a bridging loan to cover the balance of funds.
The relationships we build with our customers are incredibly important to us. Hear what they have to say, and learn why people across the UK rely on Rapid Bridging time and time again.
“We were unable to get a loan anywhere. Nobody would fund building the house. We then approached Andrew who was unbelievably helpful. He was the only person who would even entertain the idea of trying to help”.
“Andrews nature and experience allowed for him to cut through some problems that we found with the other professionals. IE the solicitors and the banks”.
“Without Andrew, I would’ve lost the property. This would’ve caused no end of issues not just personally but for my business as well. Without Andrew and services, I would’ve lost everything”.
Typically, terms range from 1 to 18 months for residential properties. However, some commercial bridging loans or heavy refurbishment loans can extend up to 24 or even 36 months, depending on the lender and the complexity of the project.
While a good credit history is always helpful, bridging lenders are primarily asset-based lenders.
If you have a very strong exit strategy and plenty of equity in the property, bad credit or a less-than-perfect financial history is not always a barrier to approval
An exit strategy is simply your definitive plan for repaying the loan principal and interest at the end of the agreed term.
Common, acceptable exit strategies include the sale of the property being used as security, the sale of another property in your portfolio, or refinancing the bridging loan onto a long-term mortgage once a property is improved.
Some bridging loans are regulated, especially if they are secured against a property you live in. Loans for investment or commercial properties are often unregulated.
Most lenders require around 20% to 30% deposit or equity, although this varies depending on the lender and property.
Yes. Many lenders focus more on the property value and your repayment plan than your credit score, though bad credit may affect rates and terms.
Bridging loans can often be arranged within a few days, making them much faster than traditional mortgages.
You may face extra fees, higher interest, or legal action. In some cases, the lender can repossess the property used as security.
