Bridging Finance

Bridging Finance Broker | Short-Term Commercial Lending Specialists

We compare bridging facilities across our full lender panel, finding competitive short-term lending for property purchase, refinancing, and business purposes with a clear exit route.

Explore your funding options

Overview

What is bridging finance?

Bridging finance is short-term lending secured against property or other assets, typically used when speed of completion is critical or where a gap exists between a current financial position and a longer-term solution. Common uses include property purchase ahead of a sale completing, refurbishment before refinancing to a term mortgage, auction purchases, and business funding pending a longer-term finance arrangement.

Bridging loans are available on a first or second charge basis, over terms typically ranging from one month to twenty-four months. Regulated bridging covers loans secured against a property where the borrower or a close family member resides. Unregulated bridging covers commercial and investment property transactions and many business uses.

Rates and terms vary significantly across the bridging market, and lenders have very different appetites for different property types, exit strategies, and borrower profiles. Pinnacle compares the full market to identify the most appropriate and competitive facility for your specific transaction.

75%

typical LTV on first charge bridging

50+

bridging lenders on our panel

Free

initial consultation

How we help

Why use Pinnacle as your broker?

The bridging market has grown substantially in recent years and now includes a wide range of lenders from specialist bridging companies and challenger banks to private credit funds and family offices. The diversity of the market means that both the best and the most expensive options can be found there, and knowing which lender to approach for a specific transaction is not straightforward.

Pinnacle identifies lenders whose criteria match your transaction, whether that is a straightforward residential bridging loan, a complex development exit, a second charge on a commercial property, or a bridge to support a business purpose. We prepare your case, manage the legal and valuation process, and negotiate the best available terms.

We also focus on the exit strategy from day one, working with you to ensure the planned refinancing or sale can realistically be completed within the loan term.

Fast completions

Some bridging lenders can complete within days for the right transaction. We know who to approach when speed is the priority.

Full market comparison

We compare the entire bridging market, from specialist bridgers to challenger banks and private credit funds, to find the best available rate.

Complex cases

Unusual property types, short leases, prior charges, and non-standard exit strategies. We identify lenders who engage with complexity.

First and second charge

We source first charge bridging and second charge facilities where a first mortgage already exists and will be retained.

Exit strategy focus

A bridge is only as good as its exit. We work with you to stress-test your exit route before recommending a facility.

No cost to you

Our service is paid by the lender. We do not charge arrangement fees to clients unless agreed in advance for complex cases.

Common questions

Frequently asked questions

How quickly can bridging finance be arranged?

In straightforward cases, some bridging lenders can complete in as little as three to five working days. Most transactions take two to four weeks when valuation and legal work are factored in. Pinnacle identifies lenders who can work to your required timetable, and we manage the process proactively to avoid unnecessary delays.

What is a typical bridging loan interest rate?

Bridging rates vary significantly by lender, loan-to-value, property type, and exit strategy. Rates are typically quoted monthly and range from around 0.5 percent to over 1.5 percent per month in the current market. The best rates are available on lower-risk transactions with strong exit strategies. Pinnacle compares the full market to identify the most competitive rate for your specific situation.

What exit strategies do bridging lenders accept?

The most common exit strategies are the sale of the property or the refinancing to a term mortgage. Lenders assess the credibility and certainty of your exit before they will lend. A strong, evidenced exit strategy is the most important factor in obtaining the best rate and terms. We work with you to structure and evidence your exit before approaching lenders.

Can I get a bridging loan on a property in poor condition?

Yes. Many bridging lenders specifically target properties that are not mortgageable in their current condition, as they understand that the borrower intends to refurbish before refinancing. These lenders will lend against the current value or, in some cases, the gross development value of the property post-refurbishment. Pinnacle works regularly with borrowers on refurbishment and development exit transactions.

What is the maximum loan-to-value available on bridging finance?

Most bridging lenders will advance up to 70 to 75 percent of the property's open market value on a first charge basis. Some lenders will go higher in specific circumstances. On a second charge basis, combined LTV (taking into account the first charge) is typically limited to 65 to 70 percent. Pinnacle will give you a realistic assessment of available LTV for your specific property and situation.

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One conversation. The right funding.

We search the market, compare lenders, and secure the right deal on your behalf. No obligation, no cost to you.

Book your free consultation