About Oakbridge Financial Services
Oakbridge Financial Services has been providing short-term property loans since its establishment in 2004, operating from Heaton Mersey, Stockport. The business is owner-managed, which is a practical rather than a marketing distinction — the principals are actively involved in residential and commercial planning, development, investment and finance through the wider group, and that first-hand property experience directly informs how Oakbridge underwrites loan applications.
That depth of market knowledge allows the team to assess cases with a genuine understanding of the property rather than relying on a valuation report as a proxy for everything. For cases that don't fit within prescriptive mainstream bank criteria — and there are many — Oakbridge's approach is to look for a way to make the deal work rather than default to a refusal. The repeat borrower and introducer base that has built up over two decades reflects that orientation.
Oakbridge can offer both regulated and unregulated bridging finance, which gives it flexibility for a range of scenarios including chain breaks and purchases ahead of a primary residence sale. Initial term of 3 to 12 months with full roll-up and no exit fees gives borrowers clean, predictable cost structures.
Bridging Loans from Oakbridge Financial Services
Oakbridge lends from £150,000 to £4 million, with initial terms of 3 to 12 months and LTVs up to 65%. Rates from 0.84% per month. Full roll-up available; no exit fees. The lender covers England, Scotland and Wales on first and second charge, for both regulated and unregulated scenarios. Decisions in principle within 2 working hours of enquiry.
What Can Oakbridge Finance?
- Residential bridging — purchase, refinance, capital raise
- Regulated bridging — chain break, downsizing, onward purchase
- Property renovation and light refurbishment
- Buy-to-let purchase ahead of primary residence sale
- Divorce and estate settlement bridging
- Overseas property purchase against UK security
How to Apply with Oakbridge Financial Services
Oakbridge works through commercial finance brokers and directly with experienced borrowers. Enquiries can be submitted via their online application form at oakbridge.co.uk or by phone. The team is based at 10 Riverview, The Embankment, Heaton Mersey and is accessible for direct conversations throughout the loan process.
Contact
Address:
Oakbridge Financial Services Limited
10 Riverview, The Embankment, Vale Road, Heaton Mersey, SK4 3GN
Phone:
08452 05 05 05