How fast can bridging finance be arranged?

The fastest completions are 3-5 working days. Typical quick bridging takes 7-14 days. Complex cases may take 2-3 weeks.

How much does quick bridging cost?

Monthly interest rates of 0.55-1.5%, plus arrangement fees of 1-2% of the loan. Interest can be rolled up (added to the loan) rather than paid monthly.

Do I need a deposit for bridging?

Most bridging lenders require 25-35% equity/deposit, though some offer up to 80% LTV. If you have other property as security, 100% of the purchase price may be possible.

Can I get bridging with bad credit?

Yes, bridging lenders are more flexible than mortgage lenders on credit history. The focus is on the property value and your exit strategy rather than credit score.

Quick Bridging Finance

When speed is critical, quick bridging finance can complete in days. We connect you with fast-acting bridging lenders for urgent property transactions.

Fast Bridging Finance When Time Is Critical

Sometimes you need property finance urgently — an auction purchase with a 28-day deadline, a chain break, or a time-sensitive commercial opportunity. Quick bridging finance can be arranged in as little as 3-7 working days, compared to 4-8 weeks for a standard mortgage. We work with bridging lenders who prioritise speed and can release funds rapidly.

Bridging funds available in 3-7 working days
Auction purchase 28-day deadlines met
Chain break and urgent purchase finance
Residential and commercial bridging available
free initial advice bridging finance advice

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Property Value (£) *

Deposit Amount (£)

Your home may be repossessed if you do not keep up repayments on your mortgage.

When You Need Quick Bridging

Common urgent scenarios include auction purchases (28-day completion), chain breaks (your sale has fallen through but you need to complete your purchase), property development opportunities with tight deadlines, and business premises that must be secured immediately.

How Quick Can It Really Be?

The fastest bridging completions happen in 3-5 working days, though 7-14 days is more typical. Speed depends on property type (residential is fastest), LTV (lower = faster), legal complexity, and whether the lender's valuation can be expedited.

Costs of Speed

Quick bridging finance typically costs more than standard bridging — expect rates of 0.55-1.5% per month, plus arrangement fees of 1-2%. However, the cost of not completing (losing a deposit, missing an opportunity) often far exceeds the bridging costs.

Exit Strategy

Every bridging loan needs an exit strategy — how you'll repay the bridge. Common exits include remortgaging onto a standard mortgage, selling another property, or selling the bridged property. Lenders want to see a clear, credible exit before lending.