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 Product Pillars:

← Overview Hub

1. Basics

£25k – £50M+

Facility Range

5 to 14 Days

Completion Speed

From 0.55%

Monthly Interest

Up to 75% LTV

100% with 2nd Charge

Explore the 5 Knowledge Pillars

Our specialist commercial lending desk has structured deep-dive market insights across five core pillars below:

Pillar 1

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.

1. The Basics

Pillar 2

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.

2. The Process

Pillar 3

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.

3. Rates & Costs

Pillar 4

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.

4. Strategy & Uses

Pillar 5

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.

5. Hacks & Pitfalls

Specialist Bridging Desk

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.

Enquire With Specialist Lead →

Promise Money is authorised and regulated by the Financial Conduct Authority (FCA). Borrowing against property carries risk.

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