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Bridging loans offer fast, flexible funding for time-sensitive property deals, and the UK market is packed with lenders competing on speed, rates, and service.
From independent brokers to institutional lenders, each provider brings something different to the table. This list breaks down the standout players, helping you find the right fit based on loan size, terms, and flexibility.
1. KIS Finance
Loan amount: £50,000 to £500 million
Monthly interest rate: from 0.49%
Loan term: 1 to 24 months
Maximum LTV: 80%
Fees: No broker fees
KIS Finance is an independent finance broker known for providing direct access to a wide panel of mainstream and specialist lenders. The company focuses on high-efficiency service, offering bespoke solutions based on the client’s property type, timeline, and exit strategy. Their operations run seven days a week, giving clients access beyond standard hours. With a long-standing reputation for smooth execution and no upfront costs, bridging loans from KIS Finance are structured to suit both straightforward and complex cases with equal precision.
Special note: Offers fastest bridging loans.
2. Pure Property Finance
Loan amount: From £50,000, no upper cap
Monthly interest rate: From 0.55% PCM
Loan term: Starting from 1 month
Maximum LTV: Up to 100% of the purchase price
Fees: No upfront fees
Pure Property Finance is a national brokerage that works with more than 100 lenders, sourcing short-term property finance for developers, landlords, and investors. The company sits under The Pure Group umbrella, offering structured finance, commercial funding, and wealth management services. As one of the more agile bridging loan providers, its deal pipeline is built on speed, flexibility, and strong lender relationships, often delivering offers within hours and completions within 48 hours. Pure Property Finance combines the scale of a national firm with the personal service of a boutique operator.
Special note: Offers 100% funding on eligible property purchases.
3. West One
Loan amount: From £75,000
Monthly interest rate: From 0.85% (1st), 0.95% (2nd)
Loan term: 1 to 12 months
Maximum LTV: 70% (1st), 65% (2nd)
Fees: Standard lending fees apply
West One is a major player in specialist lending, backed by institutional funding and part of the Enra Group. It delivers regulated and unregulated bridging loans through an integrated system that handles origination, underwriting, and servicing. West One’s credit philosophy leans on manual underwriting, which allows more flexible decision-making—particularly useful when mainstream banks tighten criteria. With over 15 years in the market, the lender services borrowers across England, Scotland, and Wales.
Special note: Tailored solutions for regulated bridging on residential homes.
4. Articus Finance
Loan amount: Case-based (typically high-value)
Monthly interest rate: Customised
Loan term: Short-term, case-specific
Maximum LTV: Flexible
Fees: Structured on a deal-by-deal basis
Articus Finance is a London-based brokerage focused on sourcing finance for high-net-worth individuals. With over two decades of combined team experience, the firm structures bridging loans on assets in the UK and internationally. Its services include regulated, unregulated, and investment-driven bridging, with specific expertise in handling cases involving foreign nationals and expatriates. The firm operates on a discreet, advisory-led model, often serving clients with complex financial backgrounds.
Special note: Expertise in cross-border property finance for HNW clients.
5. Vincent Burch
Loan amount: From £150,000 (fee-free above this threshold)
Monthly interest rate: From 0.55%
Loan term: Up to 24 months
Maximum LTV: 85% (more with additional security)
Fees: £0 broker fee for standard loans above £150,000
Vincent Burch Mortgage Services is an independent mortgage broker with more than two decades of experience in bridging finance. The firm supports residential, semi-commercial, and commercial projects, working directly with clients and lenders to secure short-term solutions tailored to exit plans. Advice is offered internally by a senior team led by Vincent Burch himself, who still consults on complex deals. The company emphasises speed, offering quotes by phone in under ten minutes and full application processing within 24 hours.
Special note: Offers “bridge to let” funding with both the bridge and exit refinance arranged as a package.
6. Shawbrook
Loan amount: £50,000 to £25 million
Monthly interest rate: From 0.79%
Loan term: Up to 24 months
Maximum LTV: Up to 85%
Fees: Fixed rates and fees
Shawbrook is a specialist lender providing bridging loans designed for property acquisition, renovation, and auction purchase. Known for its streamlined digital processes, Shawbrook allows brokers to receive decisions in principle instantly. Loans can be tailored to a broad range of borrower needs, and the lender does not impose a minimum term or income requirement. Their dedicated high-value case management service kicks in for loans exceeding £2.5 million, offering a higher degree of personalisation for premium borrowers.
Special note: Offers fixed interest and no minimum income requirement, ideal for fast-paced property transactions.
7. Blueberry Mortgages
Loan amount: £10,000 to £50 million
Monthly interest rate: Market-leading (variable)
Loan term: Flexible (typically short-term)
Maximum LTV: Up to 75%, or 100% with additional security
Fees: No exit fees in most cases
Blueberry Mortgages is a whole-of-market finance broker arranging bridging loans for residential and buy-to-let purchases. As one of the more versatile bridging loan providers, the company supports clients throughout the entire lending process, including underwriting an exit strategy at the time of application. Known for flexibility and fast completions, Blueberry works with a wide lender panel to accommodate adverse credit histories, all property types, and drawdown-based funding. They also allow for rolled-up, serviced, or hybrid interest payments, giving borrowers control over cash flow.
Special note: Supports 100% LTV with extra security and accepts adverse credit.
8. Octane Capital
Loan amount: £175,000 to £15 million+
Monthly interest rate: From 0.73% (Bank of England Base Rate linked)
Loan term: Up to 24 months
Maximum LTV: Up to 75%
Fees: Standard arrangement fees apply
Octane Capital is a non-bank lender established in 2017 by the former Dragonfly Property Finance team, who previously delivered over £2 billion in short-term property finance. The firm focuses solely on unregulated bridging, targeting residential and semi-commercial projects. Its strength lies in complex loan structuring, often working with non-standard assets and borrower scenarios. All loans are manually underwritten, and rates are linked to the Bank of England base rate, reflecting a transparent and scalable pricing model.
Special note: Built and managed by a seasoned team with a legacy of high-volume deal execution.
Where Do Bridging Loans Make Sense?
The most common use cases for bridging loans include:
- Buying a property before an existing one sells
- Purchasing auction properties with fast deadlines
- Refinancing to unlock equity quickly
- Funding renovations or conversions ahead of longer-term lending
- Supporting commercial deals where cash flow is delayed
Bridging loan providers don’t just care about credit scores—they look at asset value, exit strategy, and deal structure. That flexibility is what puts bridging ahead when time is short and paperwork is heavy.
Final Thoughts
Whether you’re working with boutique brokers or institutional lenders, today’s market offers a diverse mix of bridging loan providers that cater to different needs—from residential acquisitions to high-value investment deals.
That said, not every deal fits neatly into a pre-set model. Timing, exit strategy, and loan structure should all align before signing anything. Bridging loan providers can move quickly, but that speed comes with higher interest and shorter terms. If the exit plan isn’t watertight, borrowers risk turning a short-term solution into a long-term liability.
Choose wisely, ask the right questions, and always stay one step ahead of the repayment clock. When used strategically, bridging finance can open doors that traditional lending can’t.
