THINK CAREFULLY BEFORE SECURING DEBTS AGAINST YOUR COMMERCIAL PROPERTY OR HOME. YOUR COMMERCIAL PROPERTY OR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
What is a bridging loan in London?
A bridging loan is a short-term, asset-backed loan for property investors and commercial buyers in Greater London who need fast access to capital. It can be used to secure investment properties, auction purchases, refurbishments, or other time-sensitive opportunities across the city.
Typically lasting up to 24 months, bridging loans are repaid through a property sale or by refinancing onto longer-term funding. They provide the speed and flexibility that traditional commercial mortgages often cannot, making them ideal for investors in London’s competitive property market.
Compare 50+ lenders
Instantly compare over 50 commercial bridging loan lenders, including rates, fees and maximum LTVs.
Borrow from £25,000
Access short-term bridging loans ranging from £25,000 up to £60 million for your commercial needs.
1 to 24 months terms
Bridging loans are typically available over short terms ranging from 1 to 24 months.
Same-day decision in principle
The streamlined application process allows you to receive a Decision in Principle (DIP) the same day, sometimes within minutes.
Quick access to funds
Bridging loans can be arranged quickly, typically within 14 days, making them a great option for urgent financial needs.
Flexible funding
Use it to secure residential, commercial, mixed-use, uninhabitable, unmortgageable properties, or land purchased at auction
Quick Decision with No Obligation
How London bridging loans work
Applying for a London bridging loan is straightforward, with an online application and a same-day decision in principle often available. Once the property is valued and approved, funds can be released within days, giving investors and commercial buyers quick access to capital.
Here’s a typical London bridging loan process in four steps:
Application
Investors or commercial buyers submit a loan application, detailing the purpose (such as purchasing property, auction bids, or refurbishments) and outlining an exit plan, like selling the property or refinancing onto longer-term funding.
Property Valuation & Approval
The lender assesses the property as security and reviews the borrower’s financial profile. Once the requirements are met, the loan amount is agreed, along with the interest rate, fees, and repayment terms. This process is usually completed within a few days.
Get Funding
After approval, funds can be transferred within days, giving commercial buyers and investors the speed needed to secure London properties.
Repayment
The loan is repaid according to the borrower’s exit strategy, whether through a property sale or refinancing, typically within 1 to 24 months.
Compare over 50 lenders and get a decision in principle today
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Fast bridging loans for London property investors
At SME Bridging Finance, we offer tailored bridging loan solutions for property investors and commercial buyers in London who need fast access to capital.
Our bridging finance can be used for a variety of property opportunities, including residential, commercial, and mixed-use developments. Whether you’re buying to let, acquiring commercial premises, or renovating a property for resale, our flexible bridging loans give you the speed and certainty to act on time-sensitive investment opportunities in England's capital city.
Ready to access the funds you need quickly? Apply now and secure your London property investment today!
Apply NowQuick Decision with No Obligation
Supporting British Businesses
We’ve helped support many businesses across Greater London by providing quick and easy access to tailored bridging loans.
Compare London bridging loans in 3 easy steps
Quickly compare multiple lenders and apply online in minutes. Find the right bridging loan for your London property and secure funding fast.
Compare over 50 lenders in seconds
Complete our quick online form with your funding details, and we’ll instantly match you with lenders to compare rates, fees, and LTVs.
Get a same day decision in principle
Secure a same-day decision in principle (DIP) and move one step closer to your funding.
Apply online in minutes and get funded
Apply online and once approved, funds are usually available within days, enabling you to proceed with confidence.
Quick Decision with No Obligation
Bridging Loans in London FAQs
Answers to common questions about London property bridging loans.
With a London bridging loan, you can typically borrow up to 75% of the property’s value, depending on the lender, the type of property, and your exit strategy. Some lenders may offer higher LTVs for experienced investors or strong security.
Most bridging loans secured against London property can be approved within days, with funds often released shortly after property valuation and loan approval.
Bridging finance can be used for residential, commercial, and mixed-use properties. It’s commonly used for buy-to-let investments, property renovations, or short-term property purchases across Greater London.
Typically, bridging loans in London run up to 24 months. They are designed to be repaid via a property sale or by refinancing onto longer-term funding.
Yes. Bridging loans are ideal for renovation projects, giving you the capital to improve a property before selling or refinancing it.
Bridging loans offer faster access to funds, flexible terms, and short repayment periods. They are perfect for investors who need speed and certainty in London’s property market.
Applying for a bridging loan is quick and easy with SME Bridging Finance! Complete our simple online application to compare lenders, get a same-day decision in principle, and access the funding you need to secure your London property investment fast and confidently.
