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Bridging Finance


Bridging Finance for Property Investors and Developers

 

Fast, Flexible Property Funding for Every Property Opportunity

When you need fast access to funds for your next property project, bridging finance offers a flexible short-term solution. Designed for property investors, landlords, and developers, these loans help you move quickly when traditional finance can’t keep up.

Whether you’re buying at auction, funding a refurbishment, or raising capital for your next investment, bridging loans provide the speed and flexibility to complete deals on time and on your terms.

Typical loan-to-value (LTV) is up to 75% , while refurbishment bridging on residential can reach 85%+ for terms of up to 18 months, depending on the project and lender.

We use to run a national bridging company so know all the tricks the lenders get up to. We know the ones to avoid and the ones that will deliver.

Why Choose Bridging Finance?

Bridging loans are ideal when you need short-term property funding to:

-Finance renovation, conversion or development projects

-Complete auction purchases within tight 28-56 day deadlines

-Release equity for business use

-Refinance after completing a development

Types of Bridging Finance Available 

Residential Bridging Loans

Perfect for investors who need to secure their next property quickly. Use a residential bridging loan to buy, refinance, or release funds while waiting for a sale or long-term buy to let finance to complete.

Refurbishment Bridging Loans

For light or heavy renovation projects, refurbishment finance helps you upgrade or convert a property, boost its value, and then refinance or sell once the works are complete.

Auction Bridging Finance

With auction deadlines typically requiring completion within 28 days, auction finance provides fast access to funds so you can secure your property and avoid losing out on profitable opportunities.

Commercial Bridging Loans

For offices, retail units, warehouses, or mixed-use investments, commercial bridging loans allow quick acquisition, refinancing, or capital raising while a long-term commercial mortgage is arranged.

Development Exit Finance

Once a development is complete, exit finance bridges the gap between the end of your build loan and the sale or refinance of your units—helping you release equity or reduce finance costs.

Land Bridging Loans

Ideal for developers purchasing land with or without planning permission. These short-term loans give you time to secure planning or arrange long-term development finance.

Key Benefits of Bridging Loans

-Fast approval and quick release of funds

-Flexible loan terms – tailored to your exit strategy

-Available for all property types – residential, commercial or mixed use

-Competitive bridging rates from a wide range of UK lenders

-No early repayment penalties with many lenders

Who Can Use Bridging Finance?

-Property Investors, Property Developers and Business Owners

-Developers completing refurbishment or conversion projects

-Businesses seeking short-term capital

Get Expert Bridging Finance Advice

If you need quick, flexible funding for your next property investment, refurbishment, or development project, we can help.

Our experienced team will tailor a bridging loan that fits your goals, timeline, and exit strategy—so you can focus on completing your project profitably.

📞 Call us on 01565 654005
📧 Email us today to explore your options and secure fast bridging finance.

Searchlight Finance Ltd is a broker not a lender.

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We are a credit broker not a lender.

Searchlight Finance Ltd is registered at 98, King Street, Knutsford, Cheshire, WA16 6HQ. Company Register number is 07929050.

Authorised and Regulated by the Financial Conduct Authority. Our FCA registration number is 743220. You can check via www.register.fca.org.

We are registered with the Information Commissioner’s Office, Z3109319 and you can check via www.ico.org.uk.

We conduct both regulated and unregulated business and therefore not all products provided through us are regulated by the Financial Conduct Authority.

We source finance from the whole of market and may receive commissions that will vary depending on the lender, product, or other permissible factors. The nature of any commission model will be confirmed to you before you proceed.

Member of National Association of Commercial Finance Brokers (NACFB).