For intermediaries

Bridging Loans for Your Clients

Help your clients access fast, flexible short-term property finance, secured on property, with a clear exit plan.

A bridging loan is designed to “bridge” a funding gap, typically over 1–18 months (sometimes longer for specific development cases). It can help clients move quickly where a standard mortgage timeline won’t work.

Speed (often quicker decisions and drawdown than mainstream lending)
Flexible interest options (e.g., serviced, retained, or rolled-up)
Short terms with a defined exit (sale, refinance, or other planned repayment route)
Potential solutions for complex cases (non-standard property, auction, adverse credit if overall case is strong)

We are a credit broker, not a lender. We work with a panel of specialist lenders and help you and your clients understand costs, risks and alternatives in clear, plain English.

Broker line: 0333 015 0401

Bridging can be regulated or unregulated depending on use and occupancy. We’ll confirm what applies and provide the required disclosures.

Quick illustration

Loan amount: £150,000

Term: 9 months

Interest (per month): 0.89%

Monthly interest

£1,335

Monthly payment

£0 (retained)

Est. total interest

£12,015

Indicative only. Fees, compounding, and precise lender terms can change these figures. Use the full calculator for accuracy.

Bridging Loans at Wednesday Financial Services

Explore short-term finance with FCA-authorised support. Whether you are covering a chain break, buying at auction, or funding a refurbishment, we’ll help you compare lenders and secure a bridging loan that fits your timeline and exit plan.

Why choose us?

FCA-authorised UK advisers; specialist short-term lending expertise
Whole-of-market access, including specialist bridging lenders
Plain-English guidance, fast decisions in principle, and transparent costs
No-obligation quotes and clear exit strategy planning

Bridging scenarios

Bridge a home sale/purchase (chain breaks or quick moves)
Auction purchases needing fast completion
Refurbishment or development before refinance or sale
Commercial purchases or cashflow gaps

Bridging loan solutions we can help with

Residential bridging loans

Bridge the gap on a sale/purchase, chain break, or quick move.

Terms from 1 to 18 months
Borrow against residential property equity
Ideal for homeowners needing temporary finance

Auction finance bridging loans

Move quickly when standard mortgages won’t meet auction timelines.

Fast completion to meet auction deadlines (often 28 days)
Borrow up to 75% LTV on purchase price
Post-purchase refinance options available

Commercial bridging loans

Fund business property purchases, refurbishments, or cashflow gaps.

Suitable for offices, retail, or industrial properties
Flexible drawdown options
Higher loan amounts available for commercial use

Development bridging loans

Finance ground-up builds or refurbishments prior to refinance or sale.

Staged funding releases as work progresses
Terms up to 24 months for larger projects
Specialist lenders for experienced developers

Bridging loans with adverse credit

Options may exist with strong assets and clear exits.

Recent adverse credit accepted by some lenders
Strong exit (sale or refinance) can improve chances
We’ll assess and present realistic options

How we support intermediaries

We work with mortgage brokers, financial advisers and other intermediaries across the UK to help place suitable bridging solutions for their clients.

We can:

Sense-check the case early (feasibility)
Assess the property, timeline, borrowing requirement, and exit.
Match lenders and structure the deal
Consider LTV, property type, borrower profile, and whether the case is regulated/unregulated.
Explain interest options clearly
Serviced vs retained vs rolled-up; what the client pays monthly (if anything) and what’s due at redemption.
Provide clear illustrations
Rate, monthly interest, total interest estimate, fees and key assumptions.
Package and manage the application
Coordinate lender requirements, valuation, solicitors, and underwriting queries.
Support compliant conversations
Help you present benefits, costs, risks and alternatives in a balanced way, so clients can make informed decisions.

Our role is to make bridging finance simpler to place, easier to explain, and faster to progress, while supporting you in meeting regulatory expectations.

Quick illustration (illustrative only)

Example scenario (retained interest structure):

Borrowing £150,000 over 9 months at 0.89% per month:

Monthly interest (indicative): £1,335
Monthly payment: £0 (retained)
Estimated total interest over term: £12,015

This is illustrative only and does not constitute an offer. Actual rates, fees, LTV limits and outcomes depend on lender criteria, valuation, property type, borrower profile, and the strength of the exit strategy.

When a bridging loan can help

Bridging finance can be suitable where a client needs short-term funding against property, and has a credible, evidenced exit strategy.

Typical uses

Your clients may consider a bridging loan for:

Chain breaks / quick moves
Buying before selling, avoiding delays, or securing a property quickly.
Auction purchases
Completing within tight deadlines (often 28 days) when a mortgage can’t be arranged in time.
Refurbishment or light development
Funding works prior to refinance or sale (where mainstream lenders may not lend in the property’s current condition).
Business and commercial property needs
Purchases, refurbishments, or short-term cashflow gaps (where appropriate and subject to criteria).
Capital raising
Releasing equity for time-sensitive purposes (subject to suitability, risks, and affordability where required).

When it may be suitable

Needs short-term borrowing, usually 1–18 months
Has a clear exit route (sale, refinance, or other planned repayment)
Has sufficient equity / security (often assessed by LTV)
Understands bridging is typically more expensive than long-term mortgage borrowing
Can meet interest and fees (or has these structured into the loan where appropriate)

Credit, affordability, and exits

The security property and its value
The exit strategy and how realistic it is
Credit history (adverse credit can sometimes be acceptable depending on the case)
Affordability, particularly where serviced interest is required

Clients should only proceed if they are confident the exit is achievable within the term. Delays can increase costs and risk.

What lenders consider

Property value and Loan-to-Value (LTV) ratio (often up to ~75%)
Exit strategy (sale, refinance, or other credible repayment route)
Property type and marketability
Borrower profile and experience (especially for development cases)
Credit history (adverse credit may be considered in strong cases)
Term and purpose (short-term by design, typically 1–18 months)

Documents you’ll usually need

Proof of ID and address
Property details and supporting information
Exit strategy evidence (refinance outline, sale plan, etc.)
Income proof where relevant (especially for serviced interest)
Bank statements and asset/liability background
Solicitor details (or panel, if required)
Company details if borrowing via an SPV/limited company (where applicable)
Proof of funds for deposits and fees

Fees and costs to plan for

Lender arrangement / product fee
Valuation and survey fees
Legal / solicitor fees (lender + borrower)
Interest (serviced monthly, retained, or rolled-up)
Broker fee (we’ll confirm if applicable)
Possible exit / redemption admin fees
Extension costs if the term needs to be extended

We’ll explain costs clearly before your client proceeds, and help you set expectations early.

Helpful tools

Bridging loan cost estimate
LTV calculator
Exit strategy planner

Speak to our adviser for tailored calculations based on your client’s circumstances.

Client FAQs about bridging loans

A bridging loan is short-term finance secured against property, used to cover a funding gap until a planned exit (sale or refinance). Terms are commonly 1–18 months. Because it’s short-term and specialist, it is usually more expensive than a standard mortgage.

It depends on:

Property value and LTV
The exit strategy and case strength
Property type and lender criteria

Loan sizes can range widely (often from tens of thousands to multi-million), depending on security and profile.

Timescales vary by case complexity, valuation, and legal process. For straightforward cases, completion can sometimes be achieved in days to a few weeks. Auction cases often work to 28-day deadlines. We’ll give an indicative timeline once we assess the case.

Serviced interest: paid monthly (requires affordability assessment).
Retained interest: lender “sets aside” interest for the term; the client may pay £0 monthly and interest is settled at redemption.
Rolled-up interest: interest accrues and is repaid at the end (structure and availability depend on lender/case).

Sometimes. Specialist lenders may accept adverse credit where:

The property security is strong, and
The exit strategy is clear and realistic.

We’ll assess the case and present options that fit the circumstances.

Bridging is typically for short-term needs and speed. A mortgage is usually cheaper for longer-term borrowing. If a longer-term solution could work, we’ll help you compare it so the client understands trade-offs.

Some lenders may agree extensions, but fees and additional interest often apply and acceptance isn’t guaranteed. A realistic exit plan from the start is key, and we’ll stress-test this with you.

Many bridging loans allow early repayment, but terms vary. Some lenders apply:

Minimum interest periods, and/or
Redemption / admin fees.

We’ll explain any early repayment implications before proceeding.

Important information

Wednesday Financial Services is a credit broker, not a lender. We work with a panel of lenders to find suitable options for you and keep information clear and fair so you can make informed decisions.

Mortgage & Secured borrowing risk: Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. Think carefully before securing other debts against your home.
Fees: If we charge a fee for our service, we'll tell you the amount and when it becomes payable before you proceed.
Commission: We may receive a commission from a lender if you go ahead with a product we introduce. On request, we will disclose the amount (or likely amount) of any commission we receive.
All products are subject to status, eligibility and affordability checks. Lender criteria, rates and terms may change.
Calls may be recorded for monitoring, training and quality assurance.