How it works
From enquiry to funded in five simple steps
No brokers, no PDF forms, no silence. Just a fast, transparent path from first question to funds in your account.
No brokers, no PDF forms, no silence. Just a fast, transparent path from first question to funds in your account.
Loan amount, the property, your exit strategy and a little about you. Two minutes, no documents needed to get a decision.
See the rate, fees and total cost of finance on the spot, weighted around the factor that matters most: your exit.
If you're eligible, a dedicated expert picks up your case to confirm details and answer any questions.
We instruct the valuation and solicitors in parallel to keep everything moving at pace.
On completion the money is with you, typically within 5 to 14 days of your application.
Every application is scored out of 100 across five weighted factors. It’s transparent and consistent, so you see exactly why you got the decision you did, with no black box.
How the loan gets repaid. The single most important factor in bridging.
The loan amount against the property's value. Lower LTV means lower risk.
Your property track record and the strength of the underlying asset.
Deal timing and how well it fits a bridging structure.
Your circumstances and how the loan is held.
92/100
Checking your eligibility has no impact on your credit file. The decision is indicative, and final terms are confirmed after valuation and full underwriting.
Start your application →No brokers, no PDF forms, no silence. People make the decisions; software just makes them happen faster.
Step 1
Two minutes online or a message on WhatsApp. No documents needed to start the conversation.
Step 2
See the rate, the fees and the total cost of finance up front, in writing.
Step 3
Someone who has funded hundreds of these looks at your case and tells you honestly what's possible.
Step 4
Valuation and legals run in parallel with the admin automated, so money can land in as little as 48 hours.
You'll get an indicative decision in 60 seconds online, and a formal offer within 30 minutes of underwriter review. Once legals are complete, funds are typically released within 48 hours. That last step does depend on your solicitor and on how quickly valuation access is arranged.
Rates start from 0.75% per month on residential and 1.25% on commercial, with an arrangement fee from 1% of the gross loan. There is no exit fee on residential loans. You will also pay the lender's legal fees, typically from £2,000, plus the valuation fee — many lenders don't mention these up front, so we do. You'll see your full indicative cost before you speak to anyone.
We focus on loans between £50,000 and £1 million, secured on residential, commercial, semi-commercial and mixed-use property. Maximum LTV is 75% on residential and 65% on commercial.
No. Bridging is asset-backed lending. The property, your equity and above all your exit strategy matter far more than your credit score, and adverse credit doesn't automatically rule you out.
Your exit is how the loan gets repaid: usually sale of the property, refinance onto a term mortgage, or sale of another asset. It carries 30% of your eligibility score, the largest single weighting, because it's how we know the loan can be cleared.
No. The online eligibility check is indicative and leaves no footprint on your credit file. A full credit search only happens later, with your consent, during formal underwriting.
Yes. Auction finance is one of our core products. Standard auction deadlines are 28 days and we routinely complete well inside that, so your deposit is never at risk.
No. You deal with us directly, so there's no broker chain adding fees or delays. The costs you see in your indicative terms are the costs you pay.
Still have a question?
No credit-file impact. No documents to start. Just an honest, instant answer.
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