Superfast Completion, Often Within Days


Land, With or Without Planning


2nd Charge (consent not always required)


Quick Auction Finance


3rd Charge (consent not always required)


Adverse Credit Considered


2nd Charge Behind Bridging Lender


2nd Charge Behind Equity Release Lender


Up to Age 85


Pure Equity Based Lending


Residential & Commercial


Valuations Not Always Required


Loans from £25,500


Free Legal Option


No monthly payments

  • When Time is a Factor,
  • Fast & Highly Flexible
  • Bridging Loans
  • Can be a Real Lifesaver!

How it Works

Get in Touch

Clients approach UK Bridging loans either directly or via introducers. Basic questions by way of a “fact-finding” process are used by UK Bridging Loans to determine if the lending requirements are a possibility.

Fast Approval

An immediate yes or no answer is given and if suitable, a quotation is formulated and forwarded to the client, usually by email.

Formal Offer

A formal offer is produced for any client wishing to proceed and forwarded for signature, again, usually by email.

Representative Visit

Each client is visited at the security address for signature of the remaining loan paperwork, including a CH1, land registry charging order. We will also collect any additional pre-requested documentation.

Dedicated Underwriting

The signed documentation is immediately sent to our underwriters. Our model is based on very quick completions as each deal is funded using all of our own money. On rare occasions we may request additional information.

Payment of Funds

Average completion from initial acceptance to pay-out is usually just a few days. We rarely require valuations or additional legal representation. The land registry charge is removed once the bridging loan is repaid.

Who can use Bridging Finance?



The applicant could be too old to obtain a standard high street mortgage as most mortgage lenders now prevent borrowing into what is deemed, “normal retirement age”.


Property condition

The property may be in a condition where it is not suitable for mortgage finance and as such a Bridging Loan could be used to complete the purchase and any required work prior to refinancing.



The applicant may have some adverse credit, however minor, which was previously acceptable to lenders but now no longer fits the high street lending criteria.



The applicant may have difficulty proving income requirements needed for more regular finance. This may be due to poor self-employment records, a break from work or a reduction in self-employed workloads or overtime.


  • cloud Superfast Completion, Often Within Days
  • cloud Land, With or Without Planning
  • cloud 2nd Charge (consent not always required)
  • cloud Quick Auction Finance
  • cloud 3rd Charge (consent not always required)
  • cloud Adverse Credit Considered
  • cloud 2nd Charge Behind Bridging Lender
  • cloud 2nd Charge Behind Equity Release Lender
  • cloud Up to Age 85
  • cloud Pure Equity Based Lending
  • cloud Residential & Commercial
  • cloud Valuations Not Always Required
  • cloud Loans from £25,500
  • cloud Free Legal Option
  • cloud No monthly payments

Bridging Loan Uses

Where time is a factor, fast bridging loans can be a real life-saver. The following case study shows just how useful our quick bridging loans can be when a major opportunity presents itself:

Last week, we were contacted by a broker whose client needed fast bridging finance (within 24 hours) to take advantage of a lucrative business opportunity. Their client had the chance to buy shares at a discounted rate in the company where he had worked for over 25 years but the option had a deadline which was due the following day. The broker originally believed he had sourced finance elsewhere via another bridging lender, using two investment properties as security, however at the very last minute the first charge lender reneged on its decision to allow second charge consent, thus leaving the client without the urgent finance needed.

Quick Bridging Finance in 24 Hr Turnaround

At UK Bridging Loans we fund all quick bridging finance deals using our own money and do not require first charge consent on every occasion, so we immediately knew that we could work around this problem. The issue then became one of speed but as our system is highly streamlined enabling us to progress cases at pace and with a high degree of flexibility, again we knew we could help. We immediately examined the deal, completed due diligence and provided indicative terms to the broker. All charges and conditions were included in the terms, allowing the broker to obtain acceptance after presenting the full facts to the client. We then worked late into the evening to finalise the loan documentation and emailed the client and his solicitor a copy of our formal offer, the legal paperwork and the outstanding information needed before completion.

The client visited his solicitor the following morning to obtain legal advice and complete our short list of requirements before meeting with us at lunchtime. We accepted the previous lender's valuations as the figures fitted with our research and expectations. In many circumstances, we do not require formal valuations, so again this was not a barrier to us completing the finance quickly. Our in-house team reviewed the documentation returned from the client's solicitors and after some minor clarifications, his quick bridging loan was funded that very afternoon. To ensure we met the client's deadline, we paid the funds directly to the solicitors handling the share sale which enabled the purchase to complete that day, in time and less than 24 hours after the initial broker contact.

The client's wealth has substantially increased due to the involvement of the team at UK Bridging Loans. Fast bridging finance is our speciality – we operate very differently from most other lenders and are therefore able to offer rare USPs. We don't claim to be the cheapest in the market but we do get the job done swiftly and smoothly and with minimal fuss.

For further information please call 0116 3666338 or email

Some of our other USPs include 3rd charge bridging, charges on land (with or without planning), bridges for foreign nationals, adverse credit, 2nd charge bridges secured behind other bridging loans etc.

Our number one aim is to complete bridging loan and development finance cases in the quickest possible time frame and our average throughput from acceptance of offer to completion and pay-out is no more than a few days. We would never confess to being the cheapest lender in town but as far as we are concerned, we are the most flexible and quickest. We have very few standard lender requirements however we are totally responsible in our lending capacity. We complete all paperwork and get to know all of our clients in depth from the beginning which most importantly includes ensuring a solid and firm exit route.

Important features of development finance products include:

  • Bespoke funding to suit all requirements
  • Available for new developments and conversions
  • Suitable for single and multi-unit projects
  • Funding for joint venture projects
  • Available for residential and semi-commercial properties
  • Land purchases included
  • Finance for any level of experience

Typical financial features of development finance products include:

  • Up to 90% loan to cost
  • Up to 70% loan to GDV
  • Funding available from £25,000 to £10 million

How Long Does a Development Finance Term Last?

All development finance products are tailored to meet the unique requirements of the project being undertaken. A typical development finance loan will be issued for a maximum period of 24 months, but there are exceptions where the term can be longer.

Some development finance loans may be issued for as little as six months if the borrower wishes to repay the loan as quickly as possible. Early repayment can pave the way for preferential interest rates and lower overall borrowing costs.

How to Apply for Property Development Finance

The key to a smooth development finance application lies in conducting extensive research and performing due diligence. Lenders expect applicants to ensure all possible eventualities have been factored in and the project's success is assured.

It is the viability of the project upon which the lender will base their decision, so providing as much supplementary evidence as possible is essential.

An experienced property developer with an established track record may find it easier to qualify than a first-time developer. However, the flexibility of development finance enables specialist lenders to create bespoke packages to suit almost all requirements.

Applying for development finance via an experienced broker is essential to ensure you get the best possible deal.

How is Development Finance Repaid?

Development finance will only be granted by a lender when a clear exit plan has been outlined by the applicant. The three most common exit strategies for development finance are as follows:

  1. Sale of the finished property or site – upon completion of the project
  2. Refinancing with a specialist exit product – a loan typically issued at a lower rate of interest, enabling the developer to pay off the initial loan and bridge the financial gap until the property is sold.
  3. Long term refinancing – where the development finance loan is switched to a more conventional long-term loan. This is often the preferred option for developers looking to maintain ownership of their property, either for personal use or to let out.

For more information on any of the above or to discuss the features of development finance in more detail, call for an obligation-free consultation.

Declaring bankruptcy isn't a decision anyone would ever take lightly. Anything that can be done to prevent bankruptcy occurring is usually a wise course of action, though there are instances where bankruptcy simply cannot be avoided.

Those affected by bankruptcy often have questions regarding bankruptcy loans, bankruptcy mortgage applications and general bankruptcy finance – both immediate and long-term.

Loans for people after bankruptcy do exist but are not necessarily the same as those for borrowers with a clean credit history.

What is Bankruptcy?

Knowing how to avoid bankruptcy in the first place begins with understanding the concept of bankruptcy and its implications. Bankruptcy occurs when an individual cannot afford to repay their debts within a reasonable time period, due to having insufficient income and on-hand assets to cover what they owe.

Before being able to declare yourself bankrupt, your creditors will have the opportunity to seek possession of almost everything you own to sell and raise funds to cover your debts. This may include your car, your home and your general possessions, though there are restrictions to ensure those affected are not rendered homeless or unemployed.

If your application for bankruptcy is successful, all debt repayments are frozen and monthly repayments are halted (unless you are declared able to continue paying a reduced amount). Most bankruptcies are 'discharged' after the first year, meaning that the debts are effectively written off. This may be extended to three years if it is determined that you can and should continue making payments for such a period of time.

Loans for People Who Have Filed Bankruptcy

Anyone who files bankruptcy is legally obliged to disclose this information when applying for a financial product to the value of £500 or more. In doing so, you are almost guaranteed to be turned down by the vast majority of major banks and lenders.

This does not mean that loans with bankruptcy are not readily available – it simply means you need to target the appropriate lenders with your applications.

Bankruptcy mortgage loans, personal loans with bankruptcy and various types of secured loans can still be granted where extreme credit issues apply. Short-term financial solutions like bridging loans are also available, which can be useful for clearing debts, meeting urgent outgoings or funding major purchases (like cars or homes).

In most instances, loans during bankruptcy are issued on the basis of security (aka collateral) on the part of the applicant. Assuming your home is not repossessed as part of the bankruptcy process, you may still be able to borrow money to the value of the equity you have tied up in your home.

Secured loans, bridging loans and remortgage loans could help you raise money for almost any purpose, with the added incentive of a comparatively low rate of interest.

Personal loans issued on the basis of strong credit are more difficult to access, though again may not be out of the question entirely.

How to Get a Loan or Mortgage After Bankruptcy

The key to getting any kind of loan or mortgage after bankruptcy lies in seeking qualified expert support at the earliest possible stage. Rather than taking your business directly to any specific lender, it is far better to consult with an independent broker.

In doing so, you will access the impartial and objective advice you need to choose an appropriate way forward. In addition, your broker will be able to compare bankruptcy mortgage loans (and other types of loans) on your behalf from an extensive panel of specialist lenders. Many of which are not on the UK High Street, instead operating exclusively through approved brokers.

Even if you have been turned down repeatedly elsewhere, there is every possibility a reputable broker will help you find a competitive loan at a price you can afford. Importantly, exploring the available options with the help of a qualified broker can also protect your credit file from further damage, should any of your applications be unsuccessful.

If looking for help applying for a loan after bankruptcy or simply interested in the available options, we are standing by to take your call. Contact a member of the team at UK Bridging Loans anytime for an obligation-free initial consultation.

For most SMEs operating in the UK, business loans are the lifeblood that enables them to operate. In the absence of an affordable business loan, thousands of successful start-ups would have failed to get things started in the first place.

At UK Bridging Loans, we specialise in all types of business finance such as secured business loan and small business bridging loans for ambitious entrepreneurs and innovative enterprises. Whether you are starting from scratch or looking for affordable commercial finance to take your business to the next level, we will do whatever it takes to find you an unbeatable deal. Call anytime to discuss your requirements in more detail, or to get your commercial loan application underway.

Comprehensive Commercial Finance Solutions

Unlike some, we understand that time is a critical factor when organising small business loans. Throughout every stage of the application process, our experienced team will provide the support you need to access affordable business funding the moment you need it.

Our extensive range of commercial and financial solutions for new and established businesses includes the following:

Asset Finance – A complete range of loans and financial products for purchasing business equipment, vehicles and assets of value.

Invoice Finance – Gain immediate and affordable access to the working capital you need to grow and develop your business.

Commercial Mortgages – If looking to purchase premises outright for your business, we can help you get an unbeatable deal on a commercial mortgage.

Property Development Finance – Ideal for ambitious entrepreneurs and business owners looking to build new properties or develop land.

Bespoke Financial Solutions – Comprehensive funding packages for SMEs and entrepreneurs – a secured business loan tailored to meet your exact requirements.

For more information or to discuss the benefits of our commercial finance solutions in more detail, book your obligation-free consultation with UK Bridging Loans today.

A Flexible and Affordable Secured Business Loan

Issues like poor credit, a history of bankruptcy or prior insolvency have traditionally prevented entrepreneurs from accessing competitive business loans. At UK Bridging Loans, we work with an extensive network of specialist lenders who consider each case by way of its individual merit.

Irrespective of any difficulties you may have encountered in the past, a flexible secured business loan could hold the key to your future success. With no obligation to go ahead, we would be delighted to discuss the available options and help you choose the best way forward for your business.

Use our exclusive online business loan calculator for an initial overview, which will help you assess affordability and your preferred repayment plan. After which, UK Bridging Loans will conduct a whole-market search on your behalf, pairing your requirements with an affordable business loan from a trusted and reputable lender.

Call today for more information, or send us an email anytime detailing your requirements and we will get back to you as soon as possible.

Consolidating debts with a single affordable debt consolidation loan can significantly reduce immediate and long-term outgoings. However, debt consolidation is a facility only to be considered following receipt of sound financial advice as not all debt consolidation loans work in the same way.

If you are interested in debt consolidation or would like to discuss the options available in more detail, book your obligation-free consultation with UK Bridging Loans today.

Debt Consolidation Loans: How Do They Work?

It's not uncommon for individuals, households and businesses to struggle with more debt that they can manage. Over time, everyday facilities like credit cards, personal loans, overdrafts, secured loans, vehicle finance loans and so on can add up to a serious amount of debt.

If you find yourself in a position where you can no longer comfortably meet your repayment obligations, a loan for debt consolidation could help you take back control.

A debt consolidation loan replaces all (or most) of your existing debts, paying off your outstanding balances and leaving you with a single loan to repay. The biggest benefit of a consolidation loan being the elimination of multiple monthly payments, replaced instead by one much lower monthly repayment.

If the interest rate payable on your consolidation loan is competitive, you also stand to save significantly on the long-term costs of your debts.

When is Debt Consolidation a Good Idea?

Contrary to popular belief, you don't have to be drowning in debt to benefit from a competitive consolidation loan. If you are currently repaying multiple debts of any kind at elevated rates of interest, you could make significant savings by consolidating your debts. Strategic debt consolidation can minimise monthly outgoings, free up additional cash and make it much easier to stay on top of your finances. It can also help ensure you preserve your credit score from damage, which may otherwise occur if your debts spiral out of control.

Will I Qualify for a Debt Consolidation Loan?

By their nature, debt consolidation loans are a popular facility for individuals and businesses facing financial difficulties. This is why many of the UK's leading debt consolidation specialists are happy to accept applications from individuals with a poor credit history or even a history of bankruptcy. Debt consolidation loans for bad credit applicants can be just as competitive as the conventional variety. The key to getting the best deal, irrespective of your circumstances, lies in conducting a comprehensive debt consolidation loan comparison with the help of an independent broker.

Call UK Bridging Loans Today

At UK Bridging Loans, we can help you choose the most appropriate option for a safe, simple and manageable financial future. We specialise in debt consolidation loans with no credit checks required which can be sourced from an extensive panel of specialist lenders across the UK or from our own funds. Use our convenient debt consolidation loan calculator for an overview of the available options, or call anytime for an obligation-free consultation.

January and April may be peak tax season, but you could also find yourself facing an unexpected tax bill at almost any other time of year. Increasingly, savvy businesses across the UK are turning to affordable loans to pay tax bills, often saving significant sums of money in the process.

A Common Concern Among Business Owners

Far from a rarity, thousands of business owners each year find themselves facing the exact same scenario. Usually at the worst possible moment, you discover a significant tax payment is due, only to then find you don't really have enough working capital to cover it.

As a result, you face the prospect of painful penalties and excessive additional charges, along with the unwanted attention of HMRC.

It can seem like an inevitable eventuality, but there are in fact plenty of alternative options for funding an unexpected tax bill. However urgent or extensive your requirements may be, contact the team at UK Bridging Loans to discuss the available options.

Pay, Don't Delay

The longer you wait to meet your tax obligations, the bigger the risk you take. Over recent months and years, HMRC has stepped up its offensive against businesses who fail to meet their tax obligations, with an alarming campaign of liquidations and winding-up orders.

This is where flexible and affordable tax bill loans can help. By taking out a specialist business loan to pay tax bills in full and on time, you protect your business from a variety of potential risks. In addition, you could also find that the interest charges and borrowing costs are significantly lower than the penalties that would apply in the case of non-payment.

The vast majority of unexpected tax bills can be covered with a variety of flexible and affordable loans. At UK Bridging Loans, our experience and expertise extend to all types of secured loans and personal loans to pay tax bills for businesses and entrepreneurs.

VAT Loans

Another popular type of loan for tax bill payments is the specialist VAT loan. Particularly where major purchases and investments are concerned, you may find yourself and/or your business liable for an enormous additional VAT payment. You will be able to reclaim this VAT at a later date, but could nonetheless be faced with several weeks or months of cashflow issues.

VAT loans are designed to bridge these gaps with purpose-made, ultra-short-term loans at rock-bottom rates of interest. The loan is issued within a matter of days to cover the VAT payment, your business benefits from smooth and adequate cashflow and the loan balance is repaid when you receive your VAT refund.

Our VAT loans are particularly popular among property developers and investors, though are also open to all types of businesses and entrepreneurs.

Call for a Quote

However complex or urgent your requirements may be, you will not find a more capable or experienced broker than UK Bridging Loans.

Call anytime to discuss our fast bridging loans for paying tax bills in more detail, or send us an e-mail and we will get back to you as soon as possible.

Knowing how to stop a home repossession can help prevent an outright catastrophe. Unfortunately, evidence suggests that the vast majority of homeowners have no real understanding of how to stop a repossession from occurring.

Contrary to popular belief, most banks and lenders will do everything within their power to stop a repossession becoming necessary. Though it is typically the efforts (or otherwise) on the part of the debtor that will determine the outcome.

The better you understand the way a repossession works, the better your likelihood of being able to avoid a repossession if the worst should happen.

What is Repossession?

Repossessions occurs when a mortgage lender seeks authorisation from the courts to take possession of your property, in the event of non-payment on your mortgage or failure to keep to the terms of the mortgage. When entering into a mortgage contract, you grant the lender a certain stake (or level of ownership) in your property. Their ownership level decreases as you repay the loan, though the lender maintains the right to seek a repossession order at any time in the event of non-payment.

This means that even if you have repaid 85% or even 95% of your mortgage, your home could still technically be repossessed if you do not keep up with your payments. The basics of how to stop a repossession in the UK are relatively simple, but it is essential to take affirmative action at the earliest possible stage.

How Does a Repossession Work?

Banks and lenders rarely seek repossession orders without first considering all other viable options to resolve the issue. Where a bank chooses to pursue the repossession of a property, the process generally takes place as follows:

1. Mortgage Arrears

Missing the occasional mortgage payment is not typically grounds for repossession. You may face late payment fees or other penalties but your lender will usually give you fair warning, along with the opportunity to make up your repayments.

It is only when mortgage arrears become relatively serious that repossession proceedings begin. With regard to how to stop a repossession order being sought, it is vital to speak with your lender at this early stage to reach a mutually amicable agreement.

2. Court Order Application

This is where the lender makes a formal application to the courts to repossess your home, which involves a court hearing you must attend. The judge presiding over the case will hear evidence and listen to arguments on both sides of the dispute, ultimately determining whether or not to grant a repossession order.=

3. Repossession Order and Eviction

If the lender's application for a repossession order is successful, the occupant of the property will usually have a period of 28 days to move out. This may be extended to 56 days in some cases upon request or appeal.

It is important to note that all court costs incurred on both sides will be added to the borrower's outstanding debt, often significantly increasing the balance owed. Eviction occurs where the occupant of the property refuses or is unable to leave their home by the agreed deadline, at which point they may be physically removed along with their belongings.

How to Avoid Repossession

Understanding how to stop the repossession of your home through constructive dialogue is essential for all homeowners. Nobody plans to fall into arrears or deliberately fails to meet their repayment obligations – hard times and financial shortfalls often cannot be predicted.

There are various options available for stopping a repossession becoming necessary, which for most struggling homeowners include the following:

1. Reach out to your lender

Major banks and lenders are often willing to stop repossession in its tracks, simply by discussing the issue with the borrower and coming up with a viable repayment plan. This could include a temporary suspension of your repayments until you get your finances back on track, a lower monthly repayment you can afford or anything else that allows you to gradually repay your debt. Acting early is essential as leaving things until the last moment makes it more difficult to reach an acceptable agreement.

2. Pay off some of your debt

You may be unable to pay off your arrears in full but simply offering to pay off at least some of your debt demonstrates to your lender that you are committed to meeting your obligations. Again, this should be discussed at the earliest possible stage to prevent repossession becoming necessary.

3. Consider a bridging loan

If your financial shortfall is strictly temporary, you could consider securing a short-term loan against your home. One example of which being a bridging loan, which can be issued in a matter of days and repaid in full within the subsequent few months. This opens up the possibility of repaying your outstanding mortgage balance in full, selling your home for its full market price and repaying your bridging loan in one lump sum. All remaining profits would be yours to keep, which could be used to finance a new home purchase when the time is right.

4. See if you're covered by mortgage protection insurance

It's always worth checking whether you are covered (fully or partially) by a mortgage protection insurance policy. Many homeowners enter into such policies when taking out a mortgage, though do not fully understand the extent to which they are covered.

Depending on the circumstances surrounding your financial shortfall, your mortgage insurance policy could cover your repayments to avoid home repossession entirely. For more information on short-term borrowing for covering urgent expenses and outgoings like these, book your obligation-free consultation with the team at UK Bridging Loans today.

Our online bridging loan calculator has been designed to make it quick and easy to work out how much you can expect to pay as a bridging finance customer.


How to Use a Bridging Loan Calculator

Bridging loan rates and associated bridging loan fees vary significantly from one lender to the next, which is why a full market comparison should be conducted to ensure you get the best possible deal.

Use our exclusive bridging loan calculator for an overview of the costs of bridging finance or call anytime for an obligation-free consultation and a more accurate quotation.

How Does a Bridging Loan Calculator Work?

Bridging loan calculators work by performing a series of calculations based on the information entered by the user. The main numbers needed to perform a bridging finance calculation include the following:

  • How much money you intend to borrow
  • Your preferred repayment period
  • The value of the asset used to secure the loan
  • Choice of monthly interest or rolled up interest
  • Approximate monthly interest rate

However, there are additional fees and commissions payable on a bridging loan that are not typically covered with an automated bridging finance calculation. Each of the following will therefore need to be discussed with your broker before applying:

  • Property valuation fees
  • Administration fees
  • Loan arrangement fees
  • Early repayment fees
  • Exit fees
  • Legal fees

Broker fees and commissions should not apply, as they should be directed at the lender – not the applicant.

Who Should Use a Bridging Loan Calculator?

We strongly advise anyone considering bridging finance for any purpose to use a bridging loan calculator before applying, in order to ensure they can comfortably afford to repay the loan. Bridging finance has the potential to be a uniquely cost-effective form of short-term borrowing, though can become expensive if the loan is not repaid in full by the agreed deadline.

A bridging loan calculator should not be considered a 100% accurate or binding indication of actual bridging loan costs. A wide variety of additional factors may influence the affordability or otherwise of bridging finance, all of which will be discussed with your broker during your initial consultation.

What is the Average Interest Rate on a Bridging Loan?

Interest rates vary on the basis of a wide variety of contributory factors, though tend to start from around 0.4% per month with a maximum of around 1.5% per month.

When Does a Bridging Loan Have to Be Repaid?

Most bridging loan specialists are relatively flexible with regard to repayment period length. However, most limit their bridging products to a maximum of 18 to 24 months, before full repayment is required.

What is the Alternative to Bridging Finance?

Depending on your requirements and your financial circumstances, there may be alternative options available that are more suitable than bridging finance.

Your broker will help you choose from the various funding options in accordance with your objectives, which may include one or more of the following:

  • A commercial mortgage
  • Specialist business loans
  • Development finance
  • Asset based loans
  • Asset refinancing
  • Specialist secured loans
  • Invoice financing

Call us today for your obligation-free consultation and to discuss your requirements and preferences in more detail.

Contact Us

Contact Details

pinBusiness Address: Office block 2, Kibworth Business Park, Kibworth Harcourt, Leicestershire, LE8 0EX

callTelephone:  0116 366 6338

Opening Hours

Mon - Thurs: 9am - 9pm

Fri: 9am - 5pm

Sat: 10am - 5pm

Sun: 11am - 5pm

For job vacancies please email us on