Specialist Lending Hub•90+ Lenders Panel
Specialist UK Bridging Loans & Short-Term Property Finance
Rapid, bespoke short-term capital secured against UK residential, commercial, or mixed-use property and land. Whether securing 28-day auction completions, funding heavy refurbishments, or breaking a stalled chain, Promise Money accesses over 90 specialist lenders from 0.55% per month with completions in as little as 5 to 14 working days.
Explore the 5 Bridging Knowledge Pillars
To provide property investors, landlords, and homeowners complete clarity, our senior commercial desk has rationalised UK bridging finance into 25 search-backed questions across 5 core knowledge pillars:
1. The Basics
Understand the foundational mechanics of UK bridging loans, key differences between bridging and mortgages, regulated vs unregulated FCA rules, and how exit strategies determine approval.
2. The Process
Step-by-step checklist of application documents, underwriting timelines, handling non-standard construction properties, valuation procedures, and how to fast-track completions.
3. Rates & Costs
Full fee transparency: monthly interest rate calculations, retained vs rolled vs serviced options, arrangement fees, valuation costs, and a detailed worked £200,000 borrowing example.
4. Strategy & Uses
Investor execution playbooks: securing auction lots within 28 days, Bridge-to-Term refinancing, commercial-to-residential conversions, and Limited Company SPV structuring.
5. Hacks & Pitfalls
Insider methods to achieve 100% funding with cross-collateralisation, navigating adverse credit or CCJs, second charge bridging behind fixed mortgages, and dodging exit fee traps.
Speak With Specialist Lead
Have an active transaction or tight completion deadline? Speak directly with Simon Carr and our specialist commercial desk for rapid terms across 90+ lenders.
Need Fast Terms on Bridging Finance?
Simon Carr and our specialist commercial desk review complex scenarios across 90+ UK bridging lenders. Find out your borrowing limits, obtain a 24-hour Decision in Principle, and secure rates from 0.55% pm.