Fast & Reliable Bridging Loans

Lowest Bridging Loan Rates guaranteed 

We are Premier Brokers with Direct contacts to the Top FCA Regulated UK Loan Brokers offering whole-of-market access to the most competitive Bridging Loans from every lender, all tailored to your exact needs

NEW RATES
Rates are updated daily

Loans £50,000 – £25 million

First, second, & third charges

Up to 80% LTV (100% with additional security)

Residential & commercial property

Land & development projects

Purchasing or re-financing

Refurbishment & conversions

Latest rates from 0.39% pm

No upfront fees

Instant credit-backed terms

Automated valuations available

Regulated & unregulated loans

No monthly payments  (Interest roll-up)

Capital raising / cashflow

Funding terms provided are approved by the lender’s credit committee and show full and comprehensive detail. You can therfore rely on the terms being offered should you wish to proceed.

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Welcome to Speedy Bridging

We are Premier Brokers with Direct contacts to the Top FCA Regulated UK Loan Brokers offering whole-of-market access to the most competitive Bridging Loans from every lender, all tailored to your exact needs

Get in touch today by calling on 0333 772 74 71, or at support@speedybridging.com, or complete our short enquiry form.

Get your terms today

Get your terms today

Complete our secure short DIP form to receive comprehensive funding terms to match your exact requirements

Flexible solutions to suit many different requirements

Bridging finance for individuals including ex-patriates and foreign nationals, and companies including LLPs, SPVs, trusts, or offshore companies ...

Re-financing

House moving

Chain breaking

Refurbishment

Buying at auction

Property Conversion

Property Development

Buy-to-Let Investments

Unmortgageable Properties

Capital raising & Cash flow

Inheritance tax & probate

Buy-to-Let Investments

Secured on a wide range of property types including

Our solutions are individually tailored to match each client’s circumstances, with fast-track First, Second and Third Charge lending available on many types of property, residential, commercial, and semi-commercial, including properties that are not suitable to other lenders …
Other property types will be considered, please call us to discuss

What our customers are saying ...

We understand that each client’s needs are unique, and that priorities differ from client to client. We appreciate these differences and take pride in delivering reliable funding solutions within the required time-frame that match our client’s needs and preferences head-on.

Frequently asked questions

Find the answers to some of the most commonly asked questions regarding bridging loan products below. If you can’t find your answer you are looking for below, or would like further information please get in touch with us today, and we will be happy to assist.

The amount that you can borrow is dependent on your circumstances, but is mainly calculated on a loan-to-value (LTV) basis with a maximum LTV of 80% of the property value. Multiple properties can be used as security to minimise the LTV if available. With additional security properties higher LTVs over 100% are achievable.

For FCA regulated bridging loans the term can vary from as little as 1 month, to maximum term of 12 months. Typically for non-regulated bridging loans (used for commercial purposes) you can borrow for longer periods up to 3 years. We can also arrange open-ended (non-regulated) bridging loans which are available from a very select number of lenders.

The time taken to arrange a bridging loan varies depending on the nature and complexity of the case, but a typical turn-around time would be 7-10 days. A decision in principle can usually be provided quickly within a couple of hours.

No, you do not have to pay any fees up-front in order for us to provide you with funding terms at no obligation. If the terms are acceptable and you wish to proceed you will then be asked to pay for survey fee at the outset, for the property to be valued.

The Bridging Loan’s exit route simply refers to the source of funds that will pay the loan off at the end of the term.The exit funds will come from either the sale of a property, or via re-finance.

When the exit is from re-financing, this can be a longer-term property loan (residential mortgage, or investment mortgage such as a BTL mortgage), or any other legitmate source of funds such as inheritance, pension release, share dividend, or the sale of a different type of asset.

In addition to the loan interest, bridging loans also incur an arrangement fee, a valuation fee, legal fees, and a number of other smaller fees such as telegraphic transfer fee, security release fee. This varies from case to case, but all costs are clearly shown before making any application.

Interest rates start from 0.48% per month, and depend on a number of factors including the nature of the security property, what the funds are being used for, and the overall loan to value.

The majority of bridging lenders charge an arrangement fee which can range from 1% – 2%, and will depend on the loan size.

Having a poor credit score will not prevent you from getting a Bridging Loan but may affect the interest rate charged (which will depend on the extend of any adverse credit).

In most cases it is not necessary to provide proof of income (usually where the exit is from a property sale). However, in cases where re-finance will be the exit we may have to demonstrate that the re-finance is achievable.

No, you will not be required to make monthly payments as the interest on most bridging loans is ‘rolled-up’ or ‘retained’ and paid off when the loan redeems.

The Bridging Loan’s exit route simply refers to the source of funds that will pay the loan off at the end of the term.The exit funds will come from either the sale of a property, or via re-finance.

When the exit is from re-financing, this can be a longer-term property loan (residential mortgage, or investment mortgage such as a BTL mortgage), or any other legitmate source of funds such as inheritance, pension release, share dividend, or the sale of a different type of asset.

Yes, you can pay off a bridging loan early. Any interest that was calculated for the full term of the loan (beyond the point that you pay it off) will be refunded to the loan.

This means that you only pay interest on the period that you had the loan outstanding.

Latest completions

We assist clients with a wide and varied range of short-term financial solutions. These are just a few examples of our recent case completions …

House move

£ 1,315,000

Dorset

Client needed funds to secure a dream property prior to sale of current residence. Case processed & completed while client cruised the mediterranean!

Completed: 10 days  

Re-finance BTL

£1,160,000

London W1

Client with adverse credit struggled to raise finance from traditional sources to complete works on investment properties in order to sell.

Completed: 11 days  

House move

£686,000

Leeds

To purchase property before completing sale of existing property and complete refurbishment works to make new residence habitable.

Completed: 8 days  

Raise capital

£114,500

Midlands

Client raised capital for business injection. Secured with a second charge against property that was taking longer than expected to sell.

Completed: 7 days