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Trusted Commercial & Bridging Loan Solutions in Glasgow
Swift Property Finance is an independent financial services company specialising in securing finance for property development projects. We provide a bespoke service, guiding clients through the application process to ensure a stress-free experience. Our independence from single lenders allows us to offer unbiased recommendations, prioritising clients' circumstances. We focus on expediting applications by partnering with lenders who deliver swift decisions.

Our expertise covers commercial property loans, bridging loans (ranging from 100,000 to 5,000,000), and auction finance. We adhere to strict ethical standards, ensuring transparency by disclosing all charges upfront and never selling unsuitable products. As a trading style of Viking Asset Finance LTD (SC476427), we operate under the regulation of the Financial Conduct Authority, guaranteeing professional and fair handling of all client matters.
Services
Commercial Property Loans Bridging Loans Auction Finance Investment Property Loans Development Loans
Highlights and features
  • We are FCA regulated for your security and peace of mind.
  • We deliver rapid decisions to secure time-sensitive property opportunities.
  • Our independence ensures unbiased recommendations tailored to your needs.
  • We specialise in complex property finance solutions with loan amounts from 100k to 5m.
  • Our team has extensive experience in commercial, auction, and development finance.
Associations and certifications
  • Financial Conduct Authority
Update Listing
Services
Commercial Property Loans
We arrange commercial property loans for offices, retail spaces, industrial units, and leisure properties. Our solutions cater to businesses seeking acquisition, expansion, or relocation financing. Loans range from 100,000 to 5,000,000 with terms up to 24 months, requiring at least 40% commercial use for bridging options.
Bridging Loans
Bridging loans provide rapid funding for property purchases, renovations, or tax liabilities. Available from 100,000 to 5,000,000, these loans feature flexible exit strategies and monthly interest rates between 0.7% and 1.3%. Ideal for auction purchases requiring completion within 28 days.
Auction Finance
Specialist auction finance enables quick property acquisitions at competitive rates. We offer pre-auction agreements in principle and post-win funding within 2-14 days. Loans cover residential, semi-residential, and commercial properties with LTV up to 75% including fees.
Investment Property Loans
Tailored loans for property refurbishment, self-builds, and portfolio expansions. Short-term structures (up to 24 months) support rapid project initiation. Lenders assess based on property value rather than borrower income, with interest rolled-up for convenience.
Development Finance
Development finance solutions support ground-up construction and major renovations. We connect clients with lenders accepting properties needing significant repair. Loan-to-value ratios reach 75% of market value, with terms allowing completion before traditional mortgage refinancing.
Questions
What types of commercial properties can I finance?
We finance offices, retail units, industrial buildings, leisure properties (restaurants/bars), and agricultural land. Both new purchases and redevelopment projects qualify.
How quickly can I get a bridging loan?
Applications complete within days, with funds available in 2-14 days depending on requirements. Pre-auction agreements in principle can be issued before bidding.
What loan-to-value ratios do you offer?
Up to 75% LTV including fees and interest. Exceptional cases may allow higher ratios with additional security or below-market purchases.
Are there early repayment penalties?
No penalties for early repayment. Interest is charged monthly but can be rolled up and paid at loan exit.
How are interest rates structured?
Rates start at 0.7% monthly, with fixed terms up to 24 months. Serviced, rolled-up, or retained interest options available to suit different financial strategies.
What exit strategies are acceptable?
Common strategies include property sale post-renovation or refinancing to traditional mortgages. We require clear, realistic plans demonstrating repayment capability.