Bridging Finance

Our team structures UK bridging finance against the substance of the deal — sponsor, asset, purpose and exit. With decades of combined experience in UK real estate lending, we underwrite each case on its merits, across a broad range of asset classes and finance types.

• Diverse asset classes: Residential (investment properties), semi-commercial and commercial property across the UK.
• Finance types: Acquisitions, refinances, refurbishments and development exit loans.

Expertise We Offer:

• Refurbishment bridging loans: Short-term finance for UK residential refurbishment, including change-of-use schemes — commercial-to-residential conversions, HMO conversions, multi-unit freehold conversions and smaller cosmetic refurbishments. Structured around the works programme and a credible exit by sale or refinance.
• Development exit finance: Bridging facilities for UK developers nearing the end of a development loan or needing equity released from a completed or near-completed scheme. We refinance the existing facility, provide additional time for sales, release equity from the site, and support an orderly sales programme — helping borrowers avoid default interest with the outgoing lender.
• Change of planning: UK bridging finance against properties where value is being unlocked through a planning gain — including conversions from office to residential, such as offices above a retail unit being repositioned for residential use.
• Equity release and capital raising: Bridging loans that allow clients to raise debt against an unencumbered or low-leveraged UK property, releasing capital to support the acquisition of another asset or other property-led objectives.