Short-term finance
Short-term finance
When speed matters more than anything — an auction deadline, a broken chain, a property no high-street lender will touch — short-term finance bridges the gap until a longer-term plan takes over.
Every short-term loan needs an exit: a sale, a refinance onto a mortgage, or money arriving from elsewhere. We plan the exit before the entry, so the finance works for the whole project — not just day one.
Bridging finance
A short-term loan, secured on property, that bridges the gap between buying and longer-term finance or a sale.
Find out moreAuction finance
When the hammer falls you've usually got 28 days to complete. We line the finance up before you bid.
Find out moreDevelopment finance
Funding for ground-up builds, conversions and heavy refurbishments, released in stages as the work progresses.
Find out moreDrawdown facilities
An agreed pot of finance you draw from as and when you need it — paying interest only on what you've actually used.
Find out moreThe Hunter facility
Hunt, find and complete on property deals while others are still arranging finance — secured on a property you already own outright.
Find out moreQuestions
Common questions
Open or closed bridge?
A closed bridge has a fixed repayment date — for example when a sale has already exchanged. An open bridge has no fixed date, just a maximum term, and suits refurbishments and sales still to happen.
Is bridging regulated?
If the property is, or will be, lived in by you or your family, the loan is usually regulated by the FCA. Investment and commercial bridging generally is not.
Can I use a normal mortgage at auction?
Sometimes, if the property is mortgageable and you allow extra time — but 28 days is tight for most mortgage lenders. Auction finance is designed for that deadline.
Do I need development experience?
It helps, and larger schemes usually require it. First-time developers can still borrow, typically at lower leverage and with an experienced contractor or project manager on board.
How is a drawdown facility secured?
Usually on property — either the property being worked on, or other property you own outright or with plenty of equity.
What security does the Hunter facility need?
A first charge on a property you already own with no mortgage on it. The amount available depends on that property's value.
Talk to an adviser
A free, no-obligation chat about where you are and where you'd like to be. We'll tell you honestly what's possible.