Bridging Finance Solutions

About Bridging Finance Solutions

Bridging Finance Solutions Group (BFS) has been lending since 2006, built around a tagline — "make it happen" — that its team has been delivering on for nearly two decades. Based in Wallasey on the Wirral, the 100% privately funded principal lender covers England, Wales and Scotland, and is authorised and regulated by the Financial Conduct Authority, meaning it can offer both regulated and unregulated bridging loans to a wider range of borrowers than many of its competitors.

The team brings over 200 combined years of property and specialist lending experience, and the personal service culture is embedded in how they work. Every client gets individual attention, and the lender's stated approach is entrepreneurial rather than formulaic — they assess each case on its own merits and are set up to move funds within hours and days when the situation demands it.

BFS is a member of the BDLA (Bridging and Development Lenders Association) and a patron of the NACFB, and has been a consistent, professionally run presence in the market since the mid-2000s.

Bridging Loans from Bridging Finance Solutions

BFS offers loans from £50,000 to £2 million, with terms up to 24 months and LTVs up to 70%. Rates start from 0.99% per month. Regulated bridging is available for owner-occupied residential properties, which is a capability that many bridging lenders cannot offer. Unregulated products cover investment properties, commercial and development scenarios. The lender is fully transparent on pricing with no teaser rates or hidden fees in the small print.

What Can BFS Finance?

• Fast property purchases and bridging
• Capital release against existing property
• Auction finance with pre-agreed decisions in principle
• Property conversion and refurbishment
• Development finance — residential and commercial
• Short-term cash flow and probate bridging
• Tax and debt management bridges

How to Apply with Bridging Finance Solutions

BFS accepts applications directly online or via phone from their Wallasey office. For auction purchases, the team can issue pre-agreed decisions in principle before auction day. The lender is also set up to work with professional advisors and intermediaries, and their portal allows borrowers to manage their loan accounts and request redemption figures directly.