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 £30k-£3M, with rates from 0.75% pm and completion from 5 days.

Apply online in 3 minutes - get indicative terms immediately

• 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

• 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

• Premium (<50% LTV): 0.75%-0.98% pm
• Standard (50-65%): 0.85%-1.05% pm
• Maximum (65-75%): 0.87%-1.08% pm

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

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

• 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

• 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

• Viable exit strategy (sale, refinance, or other capital)
• Property as security (minimum £30k loan)
• Photo ID and proof of address

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

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

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

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

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

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

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

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

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.

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

Indicative terms arrive in minutes, Heads of Terms in hours, and funds in as little as 5 days. In addition, same-day decisions are common for straightforward cases. As a result, we routinely complete within the 28-day auction deadline.

Lendlord’s fast-track approval vs the standard bridging process

Absolutely - it’s our speciality. In fact, we’ve completed in as little as 5 days, well within the 28-day deadline. Pre-auction AIPs are also available.

No. Instead, our dynamic model rewards early repayment, because shorter terms attract lower rates. So there are no penalties whatsoever. See how rates reduce with shorter terms

Monthly rates are based on LTV and term, so a lower LTV plus a shorter term means a lower rate. Typically the range runs from 0.75% to 1.08% pm. In addition, interest can be retained, rolled, or serviced. Try our rate calculator

No, because we are a direct lender. As a result, there are zero broker fees, zero intermediary commissions, and zero hidden charges.

Contact us early, because we can often extend. This is also why a credible, evidenced exit strategy is required at application. Speak to Claire about your options

£30,000 minimum, £3,000,000 maximum. However, bespoke terms are available for larger loans, and there is no property value cap. Get a personalised quote

Yes, because we assess each case individually. While CCJs, defaults, and IVAs are considered, they don’t automatically disqualify you. Instead, the key factors are property security and a credible exit strategy.

Regulated bridging is secured against your home, whereas unregulated covers investment property, typically with faster, more flexible criteria.

SPVs, LLPs and partnerships are all eligible to borrow. For example, one SPV client received a 48-hour decision and completed in 5 days.

Foreign nationals and expats are welcome, because we have extensive experience with international borrowers. However, additional due diligence applies, and LTV may adjust slightly.

90% of purchase price, or 75% of market value. Moreover, under 50% LTV gets our premium rate from 0.75% pm. Calculate your LTV

Worked example - a 9-month investor bridge at 70% LTV on a £92,000 purchase

With additional security (cross-charge), yes. While a single property maxes out at 90% of purchase, we also fund 100% of refurbishment costs on top. Refurbishment bridging guide

Bridging runs 1-18 months, completes in days, and carries a higher rate. A mortgage, however, runs 25-35 years, takes 6-12 weeks to arrange, and carries a lower rate. In short, bridging is the sprint while a mortgage is the marathon.

Typically, you will need the following documents ready before you apply:

• Property Information
• Proof of Deposit
• Works Plan
• Passport Copy
• Utility Bill
• Latest Payslip
• Bank Statement

Upload your documents securely in the Lendlord bridging application