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This is for any property investors thinking of fast bridging finance

Specialist whole-of-market lending solutions structured across 90+ UK lenders. Rapid decisions, direct underwriting criteria, and competitive terms for complex borrowing requirements.

Whole-of-Market Access: Over 10,000 specialist lending products
Fast Completion Speeds: Dedicated broker underwriting for time-sensitive deals
FCA-Authorised Guidance: 35+ years independent UK credit brokerage

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This is for any property investors thinking of fast bridging finance

With bridging finance, everyone will have a different set of priorities.

A recent survey reported 44% of borrowers said speed was their main priority.

Getting hung up on interest rates can be counter productive and loose the deal and whilst interest rate is an important factor, it can have less impact on short term borrowing whereas fees can have a greater affect on the overall cost of borrowing.

So it’s important to know your priority at the outset.

ULTRA FAST BRIDGING

We have a lender which does same day legal completion and often avoids a valuation by visiting the property themselves.

In practice, we expect straight forward non regulated 1st charge bridging to completing within 5 days of the initial conversation

FAST BRIDGING

In addition, we offer a number of lenders with dual legal representation and a very slick back office process to turn cases around in a week or two

Crucially, we know from frustrating experience that borrowers favoured local solicitors usually slow matters down – lack of pace and understanding of bridging – help us avoid this by using a specialist solicitor. They often cost less and almost always outperform.

HIGH LTV BRIDGING

Just as important as choosing a lender with a slick process is structuring the deal so it stacks up. Watch out for headline LTV’s (there are lenders offering 80% LTV bridging but based on the 90 day valuation. 75% of the open market value may yield more. Also be prepared to throw other properties in to the pot – second charge loans on your main residence are available up to 125% LTV. Might this raise extra cash which enables you to get a different bridging deal – or even a different property?

BRIDGING RATES & FEES

These are secondary considerations when you need money fast and guaranteed. However fast doesn’t necessarily mean more expensive. A lender which has cheap legal costs and no valuation fees could work our far cheaper than the lender offering the lowest headline rate. That why you need a bridging expert to compare the options against your priorities.

PROACTIVELY GETTING INVOLVED

Understanding your priorities at the outset is absolutely key. We deal directly with the borrower, lender and the solicitor, helping everyone through the draw down process for faster completions.

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Whole-of-Market Guidance for Property Investor Bridging

Securing competitive terms on property investor bridging requires expert underwriting knowledge. In addition, our specialist broker team works directly with over 90 specialist lenders across the UK.

Consequently, reviewing your property investor bridging options with an FCA-authorised specialist credit broker ensures whole-of-market access while avoiding unnecessary fees and delays.

Specialist Underwriting & Whole-of-Market Access

Because specialist lending facilities require bespoke underwriting, comparing lenders across the UK is essential. Explore our complete guide to Bridging Loans Desk to understand how different lending criteria apply to your requirements.

Promise Money is an independent credit broker authorised and regulated by the Financial Conduct Authority (FRN 681423). Our experienced team reviews your specific circumstances to secure optimal terms across 90+ UK lenders.

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Key Takeaways: Property Investor Bridging Checklist

Additionally, property valuations can often be expedited or desktop-assessed, significantly reducing upfront costs and surveyor delays.

Furthermore, specialist bridging lenders assess affordability based on property equity rather than strict credit scoring alone.

Consequently, time-critical auction purchases and broken chains can complete in as little as 3 to 7 working days.

Therefore, working with Promise Money ensures you compare optimal rates and terms across 90+ UK lenders.

Specifically, flexible interest options—including retained, rolled-up, or serviced interest—can be tailored to protect your cashflow.

Moreover, facility agreements can be structured with zero redemption penalties as soon as long-term funds are ready.

In addition, non-standard property construction such as timber frame or concrete can be financed without high street restrictions.

Crucially, borrowers facing historic credit blips or complex income structures can secure competitive terms through our panel.

In practice, working with experienced specialist solicitors prevents administrative hold-ups and keeps legal fees completely transparent.

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