02921 303 888 / 01172 033 200

Bridging and short term finance is generally used when you need to raise funds quickly using either a residential or commercial property as security. The affordability assessment is very straight forward and usually based on a maximum LTV and can be enhanced by adding further property to the security suite. It is important that you understand what your exit/repayment will be as this type of finance is typically limited to a maximum of 18 months and rebridging can prove expensive. Exit can be the result of a sale of property or refinanced in to a longer term loan. We will discuss this with you before an application is submitted.

Rates and Fees


Interest rates for bridging and short term loans are usually dependent on the type of property offered as security and the LTV. The lower the LTV, typically the lower the interest rate.

Rates can start from as little as 0.25% per month for very strong proposals with arrangement fees starting from 0.75%. There can sometimes be exit fees associated to this type of borrowing which start at 0.75%.We will always communicate with you regarding the likely cost of borrowing and we will always provide, in writing, a breakdown once we have received borrowing terms.

You can elect for the interest to be rolled in to the loan.


Typically, bridging and short term loans are subject to the following fees;

Lender arrangement fee

This is a fee the lender charges for arranging the loan. This starts at 0.75% but will be dependent on the proposal.

Legal fees

Legal fees vary from lender to lender however these are stipulated at the outset. The lender will want the legal fees to be paid upfront as a commitment ad are usually non refundable.

Valuation fee

This is the cost associated with having the property valued. Where appropriate a lender will use their in house valuer. Where the transaction is larger they will become more relient on external panel valuers

Broker fees

As the broker in the transaction we will be remunerated by the lender. Typically, we will be paid 50% of the arrangement fee. Where this is the first time we have acted for you we will apply an appraisal fee of £495, which is non-refundable and payable upon agreeing to our terms and conditions

We are very transparent about our fees and will always detail these in ant written quote for funding

To discuss our fees in more detail, please contact one of our mortgage brokers. We are very transparent about our fees and remuneration and will include these in any quotes that are provided.

How to Apply

As a whole of market broker, we understand how best to present your proposal to the lender and which lender would be most favourable for your circumstances.

Fact Find

We will always engage with you to fully understand you lending requirements. This will often involve understanding your wider business and commitments. Once we have an understanding of the proposal we will give you a steer on the likely appetite for your application.

What information do you need to provide?

As with all lending application we need to gather information to present to the lender. Here’s a general list of the information that will be required;

  1. Proof of identity, address (this can be done quickly and effectively via our mobile onboarding app)
  2. Details of the property or sale’s agent’s particulars.
  3. Details regarding your exit (which we can help you plan)

We will also identify any other relevant information required when we discuss your requirements at the fact find stage.

What next?

Call us on 02921 303 888 to speak with one of our team. Not convenient now? Complete our contact form and we’ll get back to you when it is.