Auction purchase
Terrace bought at auction in Salford
Buyer has 28 days to complete. Bridge funds the purchase, light refresh done, then refinanced onto a buy-to-let.
- Price
- £185,000
- Loan
- £138,750
- LTV
- 75%
- Exit
- BTL refinance
UK bridging & development finance broker
Bridging finance that moves at the speed of the deal.
Auction completions, refurbishments, chain breaks, developer exits and ground-up schemes. Tell us the deal and a specialist calls you back with real lender appetite, usually the same working day.
£75k–£3m
Loan sizes
75%
Max LTV on purchases
24 mo
Terms up to
- First-time investors considered, no upper age limit
- Individuals, limited companies, LLPs and expats with a UK footprint
- England, Wales and Scotland. Residential, semi-commercial, commercial and land with planning
What we arrange
Short-term property finance for every stage of a project
From a fast auction purchase to a twelve-unit build, we match the deal to the lender whose criteria fit it, then manage it through to completion.
Bridging loans
Loan size: £75k – £3m
Fast short-term finance to buy, refinance or raise capital against property.
£75k – £3m75%
Learn more →Auction finance
Completion: from ~2 weeks
Complete inside the 28-day auction deadline.
from ~2 weeks75%
Learn more →Refurbishment finance
Light refurb: works ≤25% of value
Fund the purchase and the works together.
works ≤25% of value70%
Learn more →Refinance & capital raising
First charge: to 70% LTV
Release equity from property you already own.
to 70% LTVto 55% LTV
Learn more →Developer exit finance
Max LTV: 75%
Repay development debt and sell at full value.
75%completed or wind & watertight
Learn more →Development finance
Loan to GDV: to 70%
Ground-up schemes up to 12 units.
to 70%to 80%
Learn more →Commercial bridging loans
Semi-commercial: to 70% LTV
Shops, offices, mixed use and trading businesses.
to 70% LTVto 65% LTV
Learn more →How it works
From first call to funds, in order
Bridging is won or lost on speed and certainty. We package the case properly the first time so the lender's underwriter has nothing to chase.
- 1
Tell us the deal
Run the Deal Check or call us. We ask about the property, the plan and, above all, your exit.
Day 0 - 2
Indicative terms
We take your case to the lender that fits and come back with a decision in principle and the full cost in writing.
Within 24–48 hrs - 3
Valuation & legals
Valuation is instructed and solicitors start straight away. We chase every party so nothing stalls.
Week 1–2 - 4
Completion
Funds land with your solicitor. We stay on hand through the term and help line up your exit.
Typically 2–4 weeks
Criteria at a glance
Will my deal fit?
Our core lending panel works to these headline limits. Cases outside them aren't automatically a no. Call us and we'll tell you straight.
£75k
Minimum loan
£3m
Maximum loan
75%
Max LTV, purchases
70%
Max LTV, refinances
55%
Max LTV, second charge
24 mo
Maximum term
18+
No upper age limit
3
Nations: England, Wales, Scotland
We work with
- Landlords, traders and developers, first-timers included
- Individuals, limited companies and LLPs
- Expats with a UK credit footprint and UK bank account
- Non-standard construction, auction lots and unmortgageable property
- Interest retained, rolled up or serviced
We can't help with
- Loans on a home you or your family live in, or will live in
- Loans under £75,000
- Property in Northern Ireland or outside the UK
- Deals with no clear way to repay the loan at the end of the term
Example deals
The kind of cases we place
Three typical structures with illustrative figures, to show how a bridge is sized against value and repaid at the end.
Developer exit
Six flats finished in Leeds, two still to sell
Development loan near expiry with default rates looming. Exit bridge clears it and gives nine months to sell at full value.
- Value
- £1,320,000
- Loan
- £925,000
- LTV
- 70%
- Exit
- Unit sales
Refurbishment
Shop with flat above in Cardiff
Semi-commercial purchase with works to split the upper floor. Works released in two stages on surveyor sign-off.
- Price
- £320,000
- Loan
- £224,000
- LTV
- 70%
- Exit
- Term refinance
Illustrative scenarios, not completed transactions. Shown to explain how deals are typically structured.
Questions
Before you call
Straight answers to what borrowers ask us most. More in our FAQs and guides.
How quickly can a bridging loan complete?
A clean purchase with a desktop valuation can complete in around two weeks. Most cases take two to four weeks. The usual hold-ups are the valuation and the legal work, which is why we instruct both as soon as terms are agreed.
Do I pay interest every month?
Usually not. Most bridges retain the interest from the loan at the start or roll it up to be paid when you redeem, so there's nothing to pay month to month. Serviced interest is available if you'd rather pay as you go.
What is an exit strategy and why does it matter?
It's how you'll repay the loan at the end: selling the property, refinancing onto a mortgage, or another source of funds. It's the first thing every lender asks about, so have a clear answer before you apply.
I've never done a property deal before. Can I still borrow?
Yes. Lenders on our panel consider every experience level. Expect a little more scrutiny of the plan and the exit, and some products, such as below-market-value bridges, are for experienced investors only.
Do you charge a broker fee?
We're paid a fee by the lender when your loan completes. If a broker fee to you applies on a case, we tell you the amount in writing before you commit to anything.
Can I get a bridging loan on my own home?
Not through us. Loans secured on a home you or your family live in are regulated by the FCA, and Capitara only arranges business-purpose loans on investment and commercial property. If that's what you need, speak to an FCA-authorised mortgage adviser.
Request a call back
Speak to a bridging specialist today
Leave your details and we'll call you to talk through the deal. No obligation, and no credit search at this stage.
1
We call you backUsually within the same working day.
2
We check the deal properlyAgainst live lender appetite, not a generic calculator.
3
You get terms in writingThe full cost, before you commit to anything.
Enquiry received
Thanks, . We'll call you shortly.
A specialist will ring to go through the deal. Keep this reference handy: