UK Bridging Loans - Complete in Days, Not Months

A bridging loan is short-term secured finance used to “bridge” a funding gap. Typically, terms run 1-18 months, secured against UK property. However, unlike mortgages (which take 6-12 weeks), bridging can complete in days.

Common uses:

• Purchasing at auction (28-day completion deadline)
• Breaking a stalled property chain
• Funding refurbishments on unmortgageable properties
• Securing time-sensitive opportunities
• Raising capital against existing assets

In short, Lendlord provides bridging loans UK-wide from £50k-£5M, with rates from 0.78% pm and completion from 5 days.

Apply online in 3 minutes - get indicative terms immediately

Core mechanics

• Security: Secured against property (purchase, existing, or both)
• LTV: 50%-75% of market value, or up to 90% of purchase price
• Term: 1-18 months (typically 6-12)
• Interest: Quoted monthly - retained, rolled up, or serviced
• Exit: Sale, refinance, or other capital

Interest payment options

• Retained: Deducted from advance upfront. No monthly payments.
• Rolled up: Added to balance, paid at redemption.
• Serviced: Paid monthly like a mortgage.

Our dynamic model therefore rewards shorter terms with lower rates.

Once you win at auction, you exchange immediately and must then complete within 28 days (56 for conditional). Lendlord’s process is as follows:

• Apply online in 5 minutes, with indicative terms returned within hours (day 1).
• Heads of Terms issued and the valuation instructed (days 1-2).
• Once the desktop valuation returns, legals are instructed with dual representation (days 2-4).
• Funds are released as soon as legal due diligence completes (days 4-5).

In fact, we’ve completed in as little as 5 days, so you get 23 days of breathing room on a 28-day deadline.

How UK investors can capture the 45% auction discount before completion day

Lendlord rates (2026)

• Premium (<50% LTV): 0.78%-0.98% pm
• Standard (50-65%): 0.85%-1.05% pm
• Maximum (65-75%): 0.87%-1.08% pm

Fees

• Arrangement: 2% • Valuation: from £495 • Admin: £890
• Exit fee: £0 • Early repayment: £0 • Broker fee: £0

Example: £200k, 6 months, 60% LTV

Interest £11,040 + Arrangement £4,000 + Valuation £495 + Admin £890 + Legal ~£1,800 = Total £18,225

Who can apply?

• Individuals, landlords, SPVs, LLPs, partnerships
• UK residents, expats, and foreign nationals
• First-time buyers through to experienced investors
• Borrowers with adverse credit (CCJs, IVAs, defaults)
• Self-employed (no accounts required)
• No upper age limit

Property types accepted

• Residential (standard, non-standard, unmortgageable)
• HMOs and multi-unit freehold blocks

Flexible lending across all major property types - from refurb projects to complex ownership structures

Key requirements

• Viable exit strategy (sale, refinance, or other capital)
• Property as security (minimum £50k loan)
• Photo ID and proof of address

First charge

Primary claim, so you get the best rates and highest LTV (90% purchase / 75% MV).

Second charge

This sits behind your existing mortgage, so you can raise capital without disturbing the current deal, typically at +0.1-0.3%.

Third charge

For complex portfolio leverage, these are assessed case-by-case.

• 75% LTV: Standard max against market value.
• 80%: Available on BMV deals (measured against purchase price).
• 90%: Up to 90% of purchase price. £200k property = £20k deposit.
• 100%: Possible with additional security (cross-charge) or significant BMV.

Bridging finance LTV tiers - from 75% standard to 100% with additional security

Auction finance

5-7 day completion. Pre-auction AIPs. Desktop valuations under £500k.

Recent UK auction results - track sale prices vs guide prices across major auction houses

Chain break

Buy without waiting for your sale. This works whether the loan is regulated or unregulated.

Refurbishment (light, heavy, HMO)

100% of works costs funded. In addition, staged releases are available for heavy refurb.

VAT & tax bridging

Fund 20% VAT until your HMRC refund. Similarly, cover unexpected CGT/IHT bills.

Borrower types

Landlords, Ltd/SPV, expats, foreign nationals, pensioners, self-employed, first-time buyers.

Adverse credit

CCJs (satisfied/unsatisfied), IVAs (active/discharged), defaults, and low scores are all considered. Instead of focusing on the credit file, we assess security and exit.

Speed options

Same-day decisions • 24-hour (repeat clients) • 48-hour (standard) • 72-hour • 5-7 days (with full legals).