Fast
Bridging Loans

It’s essential to seek expert guidance from a specialist adviser when exploring bridging loans, ensuring you secure the right solution tailored to your financial needs and property goals.


The UK’s Leading Bridging Loan Specialists

If speed and flexibility is a priority to you, a short-term bridging loan could be the solution.

Bridging Finance can be used for multiple purposes, here are some of the reasons many people choose a bridging loan:

  • Quick access to funds: Bridging finance can provide borrowers with quick access to funds to meet their financial needs and deadlines.
  • Flexibility: Bridging finance can offer flexible loan terms and repayment options to suit individual requirements.
  • Property transactions: Bridging finance is commonly used for property transactions, such as buying or developing a property or a tool to release equity from an asset.
  • Bridging the gap: Bridging finance can help borrowers bridge a financial gap and provide a short-term solution for business or personal use.

20+ Years Experience securing Bridging Loans

Our Specialist Mortgage Brokers have been helping our clients all over the UK for over 20 years.

We approach your mortgage on an individual case by case basis because we know that everyone’s circumstances are different, we tailor our bridging loan solutions to your unique circumstances, providing personalised advice to help you achieve the best short-term finance outcomes.

Download our Bridging Loans Guide Now

Our expert insights and solutions for bridging finance:

  • Speed of accessing funds
  • How to obtain a bridging loan
  • Different property types that can be used
  • Why many people choose bridging finance
  • Differences between the bridging products available
  • Scenarios where bridging finance is useful
  • Costs associated with bridging finance
  • Bridging finance process
  • Benefits of using us as your broker

Why Our Customers Trust Us

Market Leading Rates

We search the whole financial marketplace for the best possible Bridging Loan products to meet your requirements and circumstances.

Experienced Team

Our Mortgage Brokers have been helping our clients all over the UK for over 20 years.

Whole of Market

We are a Directly Authorised, Whole of Market firm of Mortgage Brokers. This is key to us, and you, because we are not restricted to a specific panel of lenders.

Lender Agnostic

We are lender agnostic which means we truly find you the very best Bridging Loan for your circumstances.

We Work With Over 100+ Lenders

As well as all the High Street banks that you will be familiar of, we also work with a variety of best-in-class specialist lenders and we will choose the right lender for your funding needs.

 

Applications can be approved within 72 Hours

We will keep you updated and informed until you receive funds from the lender and your transaction is complete. And for any queries you have throughout the course of your loan, we’re always here to help.

FAQs

What are the advantages of a Bridging Loan?

When time is of the essence, bridging loans can provide a fast and effective solution—particularly for high-value property transactions where funds may be tied up or you’re navigating the gap between buying a new property and selling your current one.

The main advantage is speed. Depending on the amount needed, we can arrange short-term financing within one to two weeks.

If you require funding urgently, our flexible service can help you secure lender approval quickly. We’ll guide you through all available options so you can make the best possible decision—even under tight time constraints.

Applying for finance through a broker opens the door to a wider range of options and can save you considerable time and effort.

Here’s how Roxborough Mortgages can support you:

  • Access to the full market: Brokers can approach a broad network of lenders, including many not available to individuals directly. They’ll help secure competitive rates, negotiate favourable terms, and manage the entire application process.

  • Competitive edge: By creating a competitive environment among lenders, brokers can often drive down rates and improve offers.

  • Stronger applications: Brokers know how to present your case in the most favourable light, increasing your appeal to lenders.

  • End-to-end support: From paperwork to indicative quotes, brokers handle the heavy lifting—communicating with lenders and keeping things moving smoothly.

  • Client-first focus: Their goal is to secure the best possible deal on your behalf.

While broker fees are an additional cost, they’re often outweighed by the speed and efficiency with which a bridging loan can be arranged. For those unfamiliar with the process, especially when time is critical, a broker’s expertise can help you avoid costly mistakes and secure funding fast.

While you can approach lenders directly, doing so can often be more of a challenge than an advantage—especially if you’re unfamiliar with bridging finance and need a fast, effective solution.

For many, working with a broker is the preferred route. Bridging lenders typically offer tailored, specialised products, and it can be difficult to determine which one truly aligns with your needs.

That’s where we come in. Our expertise allows us to identify the most suitable lender for your situation without the hassle. We’ll pinpoint the exact type of loan you require and expedite the process through our strong industry connections. The speed and success of securing a bridging loan often come down to the efficiency of working with experienced brokers like us.

With instant bridging finance, there are generally few upper limits on what you can borrow—but the final loan amount will depend on several key factors.

In most cases, the greater the value of your security (typically property), the more you’ll be able to borrow. Lenders assess your borrowing capacity using the Loan-to-Value (LTV), which is calculated by dividing the loan amount by the value of your security. This figure plays a crucial role in determining how much funding you can access.

Here are the main factors that influence your borrowing power:

  • Value of the property or asset used as security

  • Location of the property

  • Loan term length

  • Your financial circumstances

  • Loan to Value

Offering multiple properties as security can increase your borrowing capacity by raising your total LTV.

It’s also vital that the value of your assets fully covers the loan amount, including any interest and fees. And don’t overlook your exit strategy—typically the sale or refinancing of the secured property. Having a clear, well-thought-out plan in place before applying is key, especially when considering how long you intend to hold the loan.

In time-sensitive situations, bridging loans offer both speed and flexibility—and with Roxborough Mortgages by your side, you’ll gain access to a wide range of specialist lenders, helping you secure the most competitive deal with a smooth, streamlined process.

What we offer:

  • Residential and commercial bridging loans, as well as development finance

  • Flexible terms ranging from 1 to 24 months

  • Up to 75% Loan-to-Value (LTV)—and potentially more

  • “Rolled-up” interest options, where repayments are made at the end of the term

How we can help:

  • We arrange bridging finance for all types of borrowers—individuals (with no upper age limit), limited companies, sole traders and partnerships

  • Our strong relationships with a network of niche and specialist lenders allow us to find tailored solutions

  • In some cases, we can secure funding within 7 working days

  • We’ll guide you through the process, help determine if a bridging loan is right for you, and find the most suitable option based on your circumstances

At Roxborough Mortgages, our team of bridging finance experts is here to help you avoid common pitfalls and navigate short-term lending with confidence. If you have questions or are ready to explore your options, get in touch with us today to arrange a consultation and discover the best deals available through our specialist broker service.

Testimonials

Andrew at Roxborough from the very beginning has been incredible at every step of the way getting a mortgage for my dream house.

His professionalism is second to none, together with his availability, pro-activity, and totally understanding my needs through the whole process has made it so
unstressful and easy.

I cannot recommend Roxborough more highly. Thank you Andrew and thank you Roxborough.

Nadia Brydon

Stephanie provides a great service and I’d highly recommend to anyone looking to discuss their mortgage options.

As a relatively new business owner, I wasn’t sure what my options were in terms of borrowing and Stephanie was able to answer my many questions very fast and in a clear manner.

Stephanie helped me get a better picture of what I needed in terms of company accounts & self-assessment towards purchasing my next property, but in the meantime she was also able to help me switch my current mortgage onto a better product to help with my short-term saving goals 🙂

Amish Patel

Had a wonderful experience with Stephanie from Roxborough. The team came highly recommended from two really close friends who Stephanie also helped. All information was clear and really was value for money.
Thanks Stephanie!

Adam Blennerhassett