Bridging finance
From £5,000 to several million, terms 1–24 months, up to 75% LTV (higher with extra security). Interest rolled up, monthly or ad-hoc. Often used for auctions, buy-before-sell, and short cash-flow gaps. Funds can follow within days of approval.
- Range
- From £5,000
- Term
- 1–24 months
- Family
- property
- Search
- Full market, one file
At a glance
- £5k–several million
- 1–24 months
- Up to 75% LTV
- Auction-speed possible
How it works
- 1A short-term loan to bridge an immediate need until a sale, refinance or longer facility lands.
- 2From £5,000 to several million, terms 1–24 months, typically up to 75% LTV (higher with extra security).
- 3Interest can be rolled up, paid monthly, or (occasionally) ad-hoc.
- 4Funds can follow within days of approval once the charge is in place.
- 5Some lenders have no exit fee if you repay early.
Who it’s for
- Auction purchases with tight completion
- Buy-before-sell residential or commercial moves
- Light development / refurb before a term mortgage or sale
- Short business cash-flow gaps secured on property
Good to know
The exit route is as important as the security. Lenders want to see how you repay.
Bridging is priced for speed, not for holding. Do not use it as cheap long-term debt.
One application with QED searches the full market. That saves you running the same file around several lenders, and it avoids multiple credit searches on the business and directors. A hard search is only placed when you proceed with a chosen lender.
Documents QED will ask for
Same list as the attach-files section on the website application. Tick what you have when you apply; email the rest.
- Last published accounts (full accounts, not abbreviated)
- Latest management accounts if year-end is stale
- Last 3–6 months’ bank statements
- Property address, tenure and (if held) a valuation
- Purchase contract or memorandum of sale (purchase)
- Existing mortgage statement (remortgage / refinance)
- Rental schedule or projections (buy-to-let)
- Planning decision notice and development appraisal (development)
- Clear exit route note (bridging)
FAQ
Drawn from qedfinance.com and the way the UK market actually underwrites these facilities.
How quickly can I receive funds?
Often within a few days of approval, subject to valuation and legal checks on the security property.
What can I use it for?
Any lawful purpose that needs speed: auctions, chain breaks, refurb, or a short working-capital gap — provided the property security stacks up.
What is bridging finance?
A short-term loan to cover an immediate need until permanent finance or a sale lands. Often used to bridge buying a new property before selling an existing one.
What are the interest rates?
They vary by lender, amount, term and risk. Interest can be rolled up to the end, paid monthly, or (occasionally) ad-hoc. Bridging is priced for speed, not for holding.
How much can I borrow?
From £5,000 to several million. Typically up to 75% LTV of the security property, higher with extra security. Terms 1–24 months.
Is the exit as important as the security?
Yes. Lenders want to see how you repay — sale, refinance or a longer facility. Some houses have no exit fee if you repay early.
How fast can funds land?
Bridging can complete in days once security is in place. Commercial mortgages and development facilities take longer because of valuation, legal work and (for development) drawdown monitoring.
Do I need a track record?
Some lenders insist on experience; others will fund a first scheme if the team (agent, architect, builder) is strong and planning is in place.
Prefer a number first?
Model an illustrative structure, email yourself a copy, then apply if it looks right.
Open the calculatorQED is a broker, not a lender. A low credit score can limit options with some houses; a search with us does not place a hard search on the business or directors until you proceed with a chosen lender.