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

Development Finance

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 the 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:

Typical financial features of development finance products include:

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 bridging loan will be issued for a maximum period of 24 months.

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 repayments 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 ensuring you get the best possible deal.

How is development finance repaid?

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

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

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 the 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 was 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 will be 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 beyond what is deemed “normal retirement age”.


Property conditions

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



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


  • cloud Superfast completion, often within days
  • cloud Land, with or without planning
  • cloud 2nd charge (consent is not always required)
  • cloud Quick auction finance
  • cloud 3rd charge (consent is not always required)
  • cloud Adverse credit is considered
  • cloud 2nd charge behind the bridging lender
  • cloud 2nd charge behind the equity release lender
  • cloud Up to age 85
  • cloud Pure equity-based lending
  • cloud Residential and commercial
  • cloud Valuations are not always required
  • cloud Loans from £25,500
  • cloud A free legal option
  • cloud No monthly payments

Bridging loan uses

Contact Details

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

callTelephone:  0116 366 6338

Opening Hours

Mon-Thurs: 9am-8.30pm

Fri: 9am-5pm

Sat: 10am-5pm

Sun: 11am-5pm

Open 7 Days a Week