No matter what the purpose of the loan, bridging offers a wide range of personal and business financial solutions.

This product helps when a property doesn’t currently meet Buy to Let criteria and the property needs either a light or full refurbishment. Maybe the property has been purchased from an auction and it’s not in a “lettable” condition.

Property Development Finance will provide you with short term funding for Residential and Commercial property construction. From New Builds to Conversions we will arrange to fund the land purchase and thereafter the remainder will be released in pre-agreed stages.

We offer Residential Bridging on all types of residential property. The security can either be property you already own or intend to buy. We can finance the loan whether you live there or it is an investment property. We have funding lines available for all types of lending.

We can offer commercial loans on all types of commercial property e.g. Offices, Shops, Warehouses, Land etc. The security can be property you own already or which you intend to buy. We can also give you a Commercial Loan to give your business a cashflow injection for purchasing equipment or stock or even the VAT Bill in fact any reason whatsoever.

We offer Second Charge Bridges on all of the above products which means we can lend even if the borrower has an existing mortgage. We can even offer a Second Charge if the First Mortgage has arrears.

This term of this loan is up to 3 years and the security must be a Buy to Let Property, the rates start as low as 5.99% pa.

If you need access to the cash locked up in your property a fast bridging loan could be the answer. Our panel of lenders offer first second and third charge loans up to 80% LTV including non-status.

Most bridging is unregulated as it is secured on an asset that is not your main residence. At Only Bridging we can deal with regulated cases and assist in raising money on your current residence or even assisting with a purchase if there are delays with your mortgage.
* On all regulated Bridging loans regulation is carried out by one of our FCA regulated Partners.

Perhaps you’ve just finished a new build or a block of flats and need money to start your next project? A bridging loan can allow you to quickly pull capital out of your existing property.

Often auction deals require buyers to purchase within 21 days of the sale and getting a standard mortgage is nearly impossible to arrange. A bridge loan can provide the necessary funds.

We can lend on land with or without planning permission and even if you own some agricultural land we are happy to lend on this as well. Medium Term Loan – This term of this loan is up to 3 years and the security must be a Buy to Let Property, the rates start as low as 5.99% pa.


Bridging Available with no proof of income

No Upfront fees

First and Second Charge Bridging

Up to 24 month term

Rates from 0.48%

Up to 80% Loan to Value in London

Up to 75% Loan to Value throughout the UK


Most importantly on a bridging loan as it is secured on a property, we will consider every application irrespective of your personal circumstances. Here are some examples of the types of property we are able to lend against;

  • Residential properties
  • Buy to let portfolios
  • Light industrial units
  • Hotels/bed & breakfast
  • Commercial properties
  • Working farms
  • Leisure premises
  • Nursing homes
  • Restaurants
  • Farmhouses
  • Land on merit
  • High Rise Blocks
  • Licensed premises
  • Residential care homes
  • Non standard construction
  • Other property types considered

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT. Mortgages Ltd is authorised and regulated by the Financial Conduct Authority under FCA Permission Number 709671 and is registered on the Data Protection Register with the Information Commissioner's Office registration number Z9518230 Registered office address: 46 Alexandra Street, Southend On Sea, Essex, SS1 1BJ Company number 05038750.