Business Details
19 Years
experience
Your Trusted Partner for Commercial Finance Solutions
Bridging Finance is an award-winning, service-driven commercial finance broker specialising in development finance, bridging loans, and commercial mortgages. Founded in 2007, we have grown year-on-year by delivering tailored, cost-effective financial solutions for businesses and property developers. Our team combines extensive experience in property development and finance, including ACCA-qualified advisors and seasoned professionals from RBS and property sectors. As a full member of the National Association of Commercial Finance Brokers and regulated by the Financial Conduct Authority, we adhere to the highest standards of professionalism and compliance. We pride ourselves on offering a no-upfront-fee model, ensuring our success aligns with our clients' outcomes. Our nationwide service connects clients with a diverse panel of lenders, including high-street banks, private funds, and offshore capital providers, to secure the most suitable financing options.With expertise in complex deals, we provide swift, reliable funding for projects ranging from auction purchases to large-scale developments. Our commitment to transparency, ethical practices, and client-centric service has earned us a reputation as a trusted partner in commercial finance. We work with borrowers of all profiles, including those with adverse credit, and offer bespoke solutions for residential, commercial, and mixed-use properties. Our success is built on over 15 years of industry knowledge, a robust network of lenders, and a focus on delivering value-driven financial products.
Services
Bridging Finance
Development Finance
Auction Finance
Refurbishment Finance
Land Bridging Loan
Developer Exit Finance
Bridge To Let Loans
Large Bridging Loans
SME Business Loans
Commercial Mortgages
Details
- Year established: 2007
Highlights and features
- We offer no upfront fees and charge only on successful completion.
- Our team includes ACCA-qualified advisors and former RBS banking professionals.
- We work with a diverse panel of lenders, including high-street banks and private funds.
- We specialise in complex deals, including adverse credit and auction purchases.
- Regulated by the Financial Conduct Authority for compliance and client protection.
Associations and certifications
- Financial Conduct Authority
- National Association of Commercial Finance Brokers
- Financial Intermediary and Broker Association
Services
Bridging Finance
Bridging finance provides fast, short-term funding secured against property. Ideal for auction purchases, refurbishments, or urgent tax payments, these loans offer flexibility with terms from 1 month to 3 years. Lenders may advance up to 100% of the purchase price with interest rates starting at 0.4% per month. Suitable for residential, commercial, or land assets, bridging loans cater to borrowers with adverse credit or complex projects.
Development Finance
Development finance supports property construction or renovation projects. Loans cover senior debt, mezzanine finance, and joint ventures, with terms tailored to project timelines. Lenders fund up to 75% of costs, including land acquisition and construction. This service suits developers requiring capital for planning applications, infrastructure works, or large-scale housing schemes, with repayment via sale or refinancing.
Auction Finance
Auction finance enables rapid property purchases at auctions, completing within 28 days. Loans cover up to 80% LTV with no valuation fees in many cases. Designed for residential or commercial properties needing refurbishment, this service includes pre-approval to secure bids. Borrowers benefit from fast processing, with funds released within days to meet auction deadlines.
Refurbishment Finance
Refurbishment finance covers costs for light or heavy property upgrades, including extensions or conversions. Loans advance in stages, reimbursing costs after works are verified. Up to 80% LTV is available, with interest rates from 0.4% monthly. This service targets investors buying below-market-value properties or completing unfinished developments, requiring planning consent for major works.
Land Bridging Loan
Land bridging loans fund purchases of undeveloped land, with or without planning permission. Lenders offer up to 70% LTV for terms of 13 years, supporting applications for planning consent or site preparation. This service suits developers seeking to enhance land value through zoning changes or infrastructure works, with repayment via sale or development financing.
People
John Waddicker
Director
With over 20 years in property development finance, John specialises in swift funding solutions for developers. He leverages hands-on experience from personal projects to ensure reliable, timely loan completions.
James Waddicker
Consultant
An ACCA-qualified expert with 20+ years in property, James structures bespoke finance for high-profile developments, including 200+ unit schemes, combining technical knowledge with lender relationships.
Simon Parkinson
Business Development Manager
Simon brings 26 years of RBS banking experience, focusing on commercial finance for 17 years. He connects businesses with tailored funding solutions, from cash-flow loans to property acquisitions.
Questions
What is Bridging Finance?
Bridging finance is short-term property-secured funding for purchases or equity release, completed quickly for urgent needs like auctions or refurbishments.
How much can I borrow?
Loans start at £25,000 with no upper limit, depending on property value and exit strategy, with LTVs up to 80% or 100% with additional security.
Do I need a valuation?
Most lenders require a RICS valuation, though some auction finance options waive this for residential properties.
Can I get finance with bad credit?
Yes, adverse credit is considered if the exit strategy is viable, such as property sale or refinancing.
How quickly can I get funds?
Bridging loans can complete in 48 hours, with auction finance often processed within days to meet tight deadlines.
What fees are involved?
Fees include arrangement charges (1–2%), valuation, and legal costs, though some lenders offer fee-free options.
