Business Details
21 Years
experience
Award-Winning Bridging Loan Specialists
Only Bridging has been a leader in bridging finance since 2005, specialising in residential and commercial property solutions. Our team combines deep industry expertise with a client-centric approach, ensuring tailored financial strategies for property investors and developers. With over 15 years of collective experience, we navigate complex transactions efficiently. Our commitment to excellence is evidenced by industry awards and partnerships with leading lenders. We prioritise transparency, offering clear terms and competitive rates.Our regulatory compliance under the FCA ensures client protection. Through case studies and testimonials, we demonstrate consistent success in delivering timely, reliable finance. Our services span the UK, supporting clients from initial consultation to loan completion. By maintaining a streamlined application process, we address urgent funding needs without compromising due diligence. This dedication to quality and client satisfaction has solidified our reputation as a trusted broker.
Services
Bridging Loans
Refurbishment Loans
Development Finance
Commercial Bridging
Second Charge Bridging
Land Bridging
Regulated Bridging
Auction Bridging
Cash Release Bridging
Medium Term Loans
Details
- Year established: 2005
Highlights and features
- We have over 15 years of combined experience in bridging finance.
- Our FCA regulation ensures compliance and client protection.
- We offer fast-track applications with a panel of trusted lenders.
- Our case studies demonstrate successful project completions nationwide.
- We provide tailored solutions for complex property transactions.
Associations and certifications
- Financial Conduct Authority (FCA)
What people say
Excellent service
Knowledgeable team
Quick response
Smooth process
Five star
Services
Bridging Loans
Bridging loans provide temporary funding for property purchases, ideal for auction buys or chain breaks. We offer flexible terms from 2-24 months with LTV up to 80%. Our panel of lenders ensures competitive rates and fast approvals, supporting both residential and commercial projects across the UK.
Refurbishment Loans
These loans fund property upgrades to meet rental standards or increase value. We finance light to full refurbishments, with staged payments for larger projects. Our solutions cater to investors needing quick funding for auction purchases or vacant properties requiring modernisation before letting.
Development Finance
Tailored for residential or commercial building projects, this finance covers land purchase and construction costs. Funds release in pre-agreed stages, supporting new builds, conversions, and extensions. We work with developers to ensure timely completions, from small renovations to large-scale developments.
Commercial Bridging
Commercial bridging loans finance offices, warehouses, and retail spaces. We support business cashflow needs, equipment purchases, or VAT payments secured against commercial assets. Our flexible terms and rapid processing cater to businesses requiring urgent capital for growth or operational stability.
Second Charge Bridging
These loans allow borrowing against property equity even with existing mortgages. We accept applications with arrears, offering solutions for debt consolidation or project funding. Our second-charge bridging provides additional liquidity without disturbing primary mortgage terms, ideal for urgent financial needs.
Questions
What is a bridging loan?
A bridging loan is a short-term finance solution (2-24 months) securing property purchases, often used for auctions, chain breaks, or development projects.
How quickly can I get a bridging loan?
Applications process within days, with funds typically released in 2-4 weeks depending on property valuation and legal checks.
Can I get a bridging loan with bad credit?
Yes, we consider applications on merit, though terms may vary. Existing mortgages with arrears can qualify for second-charge bridging.
What properties qualify for bridging finance?
Residential, commercial, land, and non-standard properties qualify. We assess each case individually, including high-rise or listed buildings.
Are there upfront fees for bridging loans?
No upfront fees apply. Costs include facility fees, legal charges, and interest rolled into the loan term where possible.
Do you offer regulated bridging loans?
Yes, we provide FCA-regulated bridging for residential properties, ensuring compliance and client protection under strict financial conduct rules.
