Bridging Loan Criteria

The UK bridging loans market is current served by around 150 lenders, including major banks, smaller business and private lenders alike. As such, the bridging loans landscape is one of extensive flexibility, not to mention complexity.

Interest rates, fees, commissions and so on vary enormously from one lender to the next. The same also being said for lending criteria – the boxes that must be ticked for applicants to qualify for bridging loans in the first place.

we work closely with an extensive network of lenders across the country, in order to offer our customers the following:

Loan Sizes

£50,000 to £1 billion*

*theoretically, there are no upper-limits to how much money can be borrowed.


24 hours minimum, 36 months maximum

FCA regulations limit regulated loans to a maximum of 12 months. However, there is more flexibility with unregulated loans, which can be offered over any terms deemed suitable by the lender. Typical maximum terms come in around 18 months, though can be extended in some cases to 36 months.


Most bridging loans are secured on property, which can usually be residential or commercial in nature. Borrowers have the option of securing loans on the value of one or multiple properties, in accordance with requirements. If the loan is not repaid as agreed, the lender will take ownership of the property as agreed in the loan contract.

Property types

Most property types can be considered for bridging loans, included but not limited to:

  • Flats
  • Bungalows
  • Houses
  • Shops
  • Industrial units
  • Offices
  • Mixed-use of properties
  • Health clubs
  • Hotels
  • Guest houses
  • Restaurants
  • Bars
  • Garages
  • Parking spaces
  • Holiday homes
  • Land

Residential property used as collateral to secure a loan typically results in the best possible interest rates.

Other security

Alternative assets may be accepted to secure a bridging loan, depending on the lender – artwork, antiques, cars, land, watches etc. Contact the team for more information on the use of alternative security.

Property condition

The condition of the property will typically not affect the borrower’s eligibility for a bridging loan, though may have an influence on the amount the lender is willing to offer. Call for more information.


We can arrange bridging loans for applicants anywhere in the United Kingdom:

  • London + within M25 – Specialist Low Cost Plans Available
  • England
  • Scotland
  • Wales
  • Northern Ireland (Limited facilities up to 50% LTV)

We can also help you secure the finances you require if you are located in:

  • Europe
  • USA


The lenders within our extensive network offer loans and financial products for individual borrowers and businesses alike. We specialise in securing accessible, affordable finance for:

  • Private borrowers
  • Limited companies
  • Partnerships
  • Offshore companies

Age of applicant

Maximum age limits are optional and may be imposed at the will of the lender, though a minimum age requirement of 18-years is a mandatory legal obligation.

Credit History

Applicants are typically not required to have a strong or established credit history, should they be able to secure their loan with the required collateral. As such, bridging loans and similar financial products can be ideal for applicants with:

  • CCJs
  • Defaults
  • Arrears
  • IVAs
  • Bankruptcy
  • Repossessions
  • Statutory Demands
  • Winding up orders

Evidence of income

It may also be unnecessary for the applicant to provide the lender with proof of their income or current financial status. Again, this comes down to whether and to what extent collateral can be provided to secure the loan.

Loan use

A bridging loan can be used for any legal purpose the borrower requires the funds for, such as:

  • Funding restoration and renovation work
  • Purchasing properties at auction
  • Buying properties before selling a current property
  • Meeting unexpected expenses and clearing debts
  • Fulfilling taxation requirements to avoid penalties
  • Injecting cash into a new business or purchasing an existing business
  • To cover some or all of the costs of a development project

Interest payments

Payment of interest and other fees usually takes place in the form of one combined sum being added to the total balance of the loan. All of which is then repaid on the agreed date at the end of the loan term. However, some lenders are willing to arrange monthly repayment options, or alternative repayment plans in accordance with the preferences of the lender.

Exit route (How a bridging loan is repaid)

A bridging loan can be repaid in a variety of ways, though some of the most common exit routes include the following:

  • Property or asset sales
  • Receipt of money owed
  • Inheritance
  • Refinance
  • Policy reaching maturity