Regulated Bridging
Chain-break and own-home bridging in 5–10 days.
Move on a property when timing won't wait — placed with lenders that actually fund, not just quote.
Ticket size
£250K – £10M
Turnaround
5–10 day completion
Capital partners
22+
Composes with
3 sectors
Key highlights
What sets this apart.
Chain-break
Auction
Light refurb
The problem
Why this capability exists.
Speed without certainty is theatre. Most quoted bridging never completes within timeline.
Our approach
- 01
Pre-qualify against funder criteria before quoting.
- 02
Lock solicitor, valuer and lender on day one.
- 03
Daily status to all parties to completion.
Outcomes you can expect
- Median completion 7 working days
- 98% of quoted cases complete on terms
- Auction specialists on call
Typical structures
How regulated bridging deals are commonly built.
Indicative structures we orchestrate across our capital partners. Final terms depend on borrower profile, asset and exit.
Closed Bridge
Defined exit (sale or refinance dated). Lowest pricing tier.
Open Bridge
Flexible exit window up to 18 months; pricing reflects uncertainty.
Refurb / Heavy Refurb
Tranched drawdown against works, with monitoring surveyor.
Library OS
Live signal · stack ideas · audience fit.
Three modules that turn this capability page into an orchestration view, not a brochure.
Lender appetite right now
What our desk is seeing on this capability this week.
- up
Specialist bridging house · Refurb-to-let bridge
Reopened postcode list across NW + Yorkshire. Faster valuations via desktop AVM.
Now lending to 80% LTV (was 75%)
- down
Tier-1 challenger bank · Senior development
Credit committee re-priced post-MPC. Repeat sponsors with delivered comparables only.
−25 bps on 65% LTGDV
- down
Family-office mezzanine · Stretched mezz on resi dev
Rotating out of equity into debt. Wants £3–8m strips, full QS oversight.
Hurdle IRR cut 150 bps for repeat sponsors
Who this fits
Audience fit, scored from the brief.
SME founders & CFOs
100%
Working capital, growth funding, asset finance, invoice finance.
Property developers & investors
75%
Bridging, development finance, BTL portfolios, refurb-to-let.
Brokers & intermediaries
50%
Lender intel, criteria shifts, packaging playbooks.
HNW & family offices
50%
Structured credit, complex cases, cross-border, tax-efficient capital.
Composes well with
Stack ideas our desk has placed before.
Residential Mortgages
From first homes to £20M private-bank lending.
Aviation Finance
Light jets, turboprops, helicopters and fractional shares.
BTL & Portfolio Lending
Portfolio refinances, SPV structures, mixed-use HMOs.
Expat & Foreign-National Mortgages
UK lending for non-doms, expats and overseas nationals.
Test the fit
Two interactive tools, no credit footprint.
Score your eligibility and model the deal economics before you ever talk to us.
Eligibility quick-check
Get an instant indication.
Five quick questions. No credit footprint. We'll show you a fit score and what to do next.
- Is the asset based in the UK or selected EU jurisdictions?
- Do you have a clear exit (sale, refinance, term loan)?
- Have you completed a similar transaction in the last 5 years?
- Can you contribute 25%+ equity / deposit?
- Is borrower credit history broadly clean?
0/5 answered
Answer to see your fit score
Scenario calculator
Model the deal.
Indicative only — final pricing reflects your actual lender quote.
Monthly
£89k
Total interest
£103k
Arrangement fee
£30k
Effective APR
9.83%
What happens next
Lender panel preview & document checklist.
Indicative lender match
Who we'd quote on day one.
Anonymised preview from our 90+ lender panel. Real allocations are tuned to your file.
- Tier-1 Clearing Bank ATier 1
Term & RCF
Indic. BoE +1.95%
- Specialist Bridging Bank BSpecialist
Bridging / Refurb
Indic. 0.79%/mo
- Private Bank CPrivate
Lombard / Mortgage
Indic. BoE +1.30%
- Alt Lender DAlt
Stretched Senior
Indic. 9.25% pa
- Specialist Dev Lender ESpecialist
Senior Development
Indic. 10.45% pa
- JV Equity Partner FAlt
Mezz / JV
Indic. 12% pref + share
Document checklist
What we'll need.
Indicative pack to get you a credit-quality answer in days, not weeks.
- Photo ID + proof of address (all parties)
- Last 3 months bank statements
- Asset / scheme summary or sales particulars
- Schedule of works (if refurb / dev)
- Personal asset & liability statement
- Latest filed accounts (if SPV / corporate)
- Source of deposit evidence
- Exit evidence (sale memo / refinance AIP)
FAQs
Frequently asked
The questions clients always ask.
Same business day for clean bridging cases; 24–48 hours for development senior debt; 3–5 days for complex private-bank mortgages.
No. Enquiries are soft-search only until you formally accept terms.
Yes — selected jurisdictions across the EU, Channel Islands, and prime international markets via private-bank partners.
Brokerage is paid by the lender on completion in most cases. For complex structuring engagements we agree a success fee in advance.
Short enquiry
Tell us about your regulated bridging requirement.
A specialist will respond within one business hour. No credit footprint.