Specialist Bridging Finance

Proactive, Decisive, Asset-Focused

Our Approach to Bridging Finance

Fast, Flexible Property Finance. Decisions Made by People, Not Computers.

We understand that every property and every transaction is different. Rather than simply working through a checklist, we look at each application individually, considering the property, the reason for borrowing and how the loan will ultimately be repaid.

Through WSP Capital and our established lending partners, we can put together funding arrangements designed around the needs of each transaction.

What makes us different is our hands-on approach to lending. Whether we provide the finance ourselves or lend alongside one of our partners, we work directly with the people responsible for making lending decisions. This allows us to consider opportunities that might not fit the standard rules used by more traditional lenders.

What is Bridging Finance?

Bridging finance is a short-term property loan designed to provide funds quickly, particularly when traditional lenders cannot move fast enough or greater flexibility is needed.

It is commonly used to purchase property, refinance existing loans or release money tied up in property. It can also help when a property needs improvements, changes or other issues resolved before longer-term finance can be arranged.

Our approach is simple: we look at each property and individual circumstances, using experience and common sense to find practical lending solutions.

We provide short-term bridging loans for property purchases, refinancing and other property transactions where speed and flexibility are important.

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What We Do

We believe in finding the right loan for each customer, rather than simply offering the finance we have available ourselves. We start by understanding what you need and then look at the most suitable way to arrange the funding.

Through our own lending company, WSP Capital, and our network of established lenders, we can offer a range of funding options. If another lender is better suited to your circumstances, we will tell you, even if that means we won't be lending through our own lender. We have a network of hundreds to choose from.

Our priority is straightforward: competitive terms, flexible solutions and property finance that works for you.

Bridging at a Glance

Loan Size£100k to £40m
LTVUp to 85%
Term3 to 36 months
Rate (full status)From 0.39% per month
Rate (non-status)From 0.9% per month
Credit HistoryAll considered
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What We Offer

All circumstances considered.

We can arrange finance for all clients, from high status to non-status and adverse credit.

UK wide.

International borrowers considered. UK assets only.

Every asset class.

  • Residential
  • Semi-commercial
  • Commercial
  • Buy-to-let
  • HMOs
  • Student accommodation
  • Portfolios
  • Hotels
  • Pubs
  • Care homes
  • Industrial sites
  • Data centres
  • Wind and solar farms
  • Farmland
  • Land with planning
  • Land without planning
  • Light refurbishment
  • Renovation development
  • Ground-up development
Charge positions First charge bridging up to 75% LTV; second charge and third and equitable charge bridging available to direct clients only. 1st charge Up to 75% LTV 2nd charge Direct clients only 3rd & equitable Direct clients only

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We welcome every enquiry. With access to a wide panel of specialist lenders, it is always worth a conversation to see how we can help.

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