Fast, flexible finance to bridge the gap

• Breaking a chain to complete a purchase before your existing property or asset sells
• Buying a property mainstream lenders won't touch as it stands — no kitchen or bathroom, short lease, or structural issues
• Moving fast on a time-pressured purchase, including auction lots
• Raising capital against an unencumbered or low-borrowing property to fund your next opportunity
• Refinancing an existing bridge that's approaching the end of its term
• Funding a light refurbishment ahead of a refinance onto a longer-term facility

Buying at auction? Head to our dedicated auction finance page for how bridging is structured around a 28-day completion. Planning works once you own the property? See refurbishment finance.

• •A clear and credible exit route — sale or refinance
• •Suitable security: residential, mixed-use, commercial property or land, with or without planning
• •A realistic, defensible valuation of the security property
• •A sensible loan-to-value for the asset, the works involved (if any) and the exit
• •Development or investment experience helps, but first-time investors aren't automatically ruled out — it depends on the deal

1. 01

   Tell us the deal

   The property, the numbers, the timeline and the exit. We'll tell you straight if it stacks up.

2. 02

   We go to market

   Your deal goes to the bridging lenders best suited to the asset and exit — not just whoever we know best.

3. 03

   Terms agreed

   We negotiate terms and get an Agreement in Principle, so you know where you stand before committing to legal costs.

4. 04

   Valuation & legals

   We keep the valuer, your solicitor and the lender's solicitor moving — chasing the detail so you don't have to.

5. 05

   Funds released

   Once legals complete, funds are released. We stay on hand through to your planned exit or refinance.

What's the difference between bridging finance and a mortgage?+

A mortgage is typically a longer-term facility assessed heavily on affordability and repayment over many years. Bridging finance is short-term, interest is usually retained or rolled up rather than paid monthly, and lenders focus on the security property and your exit route rather than ongoing income. Read our full comparison for more detail.

How quickly can bridging finance complete?+

Once legal work and valuation are genuinely moving, completion in a matter of days to a few weeks is realistic for a straightforward deal. The exact timeline depends on the complexity of the security, title and how quickly all parties — including your own solicitor — respond.

What can I use as security for a bridging loan?+

Residential investment property, semi-commercial, commercial property and land are all commonly used as security. We arrange finance secured on investment and development property for business purposes — we don't arrange regulated mortgage contracts secured on your own home.

Do I need a guaranteed exit before I apply?+

You need a credible, well-thought-through plan — typically sale of the property or refinance onto a longer-term facility. It doesn't need to be contractually locked down at application stage, but the more evidence you have, the stronger your terms are likely to be.

Is bridging finance regulated by the FCA?+

Get Backing arranges bridging finance secured on investment and development property for business purposes. This is unregulated commercial finance and not a regulated mortgage contract, so it does not require FCA authorisation. As with all commercial finance, terms are subject to status and individual lender criteria.

Get Backing arranges finance secured on investment and development property for business purposes only. This is not a regulated mortgage contract. Rates, terms and fees are subject to status, lender criteria and independent valuation, and are not guaranteed. Security may be required over property and other assets, and property used as security may be at risk if repayments or the agreed exit are not met.