Best Bridging Loan Brokers – Our Picks

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Finding the right broker can make or break a short-term property deal.

Whether you’re buying at auction, bridging a chain break, or funding a refurbishment, the speed, structure, and reliability of your financing depend heavily on who arranges it.

That’s where experienced bridging loan brokers come in.

These firms act as the link between borrowers and lenders, negotiating terms, managing paperwork, and keeping timelines tight.

In this guide, we’ve selected some of the best bridging loan brokers in the UK — firms known for getting deals done without unnecessary delays or complications. 

1. KIS Finance

Fastest Bridging Broker for Rapid Completions

KIS Finance is a national broker with direct access to a wide panel of lenders.

They specialize in high-value bridging loans for both residential and commercial use.

Loan decisions often happen within 24 hours, and completions are pushed through in under a week when needed.

They offer loan structures that accept borrowers with poor credit, no income verification, or complex exits like open-market sales.

Joint legal representation is available on many plans, and desktop valuations are frequently used to reduce timescales.

• Loans from: £50,000 to £5 million (select lenders offer up to £20 million)
• Loan term: 1–12 months (up to 24 months on some deals)
• LTV: Up to 75%, based on open market value
• Key takeaway: Fastest bridging loan providers with minimal processing delays

2. Scottish Bridging Loans

Regional Broker with Property-First Lending Logic

Scottish Bridging Loans is the only lender founded and operating solely in Scotland.

Their entire operation is tailored to the Scottish property market, including support for both urban and rural transactions.

Loans are available on a first or second charge basis and can be secured on residential, commercial, or land with planning permission.

Terms are often issued within an hour of inquiry, and the firm uses simplified underwriting to avoid credit scoring delays.

Desktop valuations are accepted up to 70% LTV, and their lending model is geared toward asset value over borrower profile.

• Loans from: £30,000 to £1 million
• Loan term: Up to 12 months
• LTV: Up to 75%
• Key takeaway: Precision-built for Scottish properties

3. Black Book Finance

High-Yield Bridging Structuring Broker for Specialist Assets

Black Book Finance operates as a whole-of-market brokerage focused on property professionals, developers, and landlords with unusual or high-stakes requirements.

They structure first and second charge bridging loans for residential, commercial, and multi-unit properties including HMOs and MUFBs.

Specialist deals such as VAT bridging, auction finance, and development exits are part of their standard portfolio.

Clients often use rolled-up or retained interest structures to reduce monthly cash flow impact, and the team is known for its proactive communication and structured deal navigation.

• Loans from: Based on asset and case; flexible upper limits
• Loan term: Up to 18 months
• LTV: Up to 85% for refurbishment deals
• Key takeaway: High adaptability for structured property finance

4. Vast Commercial Finance

Institutional Broker with a Nationwide Lender Network

Vast Commercial Finance works with over 100 funding sources, including high street banks, challenger lenders, and niche private institutions.

They handle bridging finance for commercial buildings, buy-to-let portfolios, office-to-resi conversions, and land acquisitions.

They balance traditional financial vetting with rapid digital workflows.

Their client base ranges from first-time commercial borrowers to experienced developers handling multi-million-pound portfolios.

Their access to both senior and mezzanine funding sets them apart for larger structured deals.

• Loans from: £50,000 to £25 million+
• Loan term: Deal-dependent, often 3–18 months
• LTV: Varies across lenders; often up to 75%
• Key takeaway: Broad lending spectrum, especially for business borrowers

5. Wharf Financial Services

Development-Focused Bridging Broker for Real Asset Projects

Wharf Financial Services focuses on development-led finance.

Run by ex-corporate bankers, the team is experienced in structuring bridge loans tied to auctions, conversions, light-to-heavy refurbishments, and chain breaks.

Most of their business comes from referrals or repeat clients.

They support short-term loans for trading premises, lease extensions, and bridging-to-sale or refinance strategies.

Developers often use Wharf to secure initial bridge loans before refinancing into term products.

• Loans from: Deal-specific, often £100,000+
• Loan term: Typically 6–18 months
• LTV: Calculated on gross development or purchase value
• Key takeaway: Property-led funding backed by real commercial insight

6. Propertyze

Capital Broker for High-Net-Worth and Investor-Backed Transactions

Propertyze specializes in matching high-net-worth individuals and developers with the right funding partner.

Their brokerage network includes over 70 active bridging lenders, with additional support from 50 development finance providers and 20 commercial finance firms.

The firm offers direct funding for high-value assets, often with bespoke loan conditions and minimal standardisation.

Their structure suits projects involving multiple securities or staged releases.

• Loans from: Deal-specific; often above £250,000
• Loan term: Negotiable
• LTV: Up to 70%
• Key takeaway: Ideal for investors and bespoke asset finance

7. Positive Lending

Distribution-Driven Bridging Broker for Quick Underwriting

Positive Lending has one of the strongest distribution networks among bridging loan brokers, having originated over £1 billion in finance.

Their in-house team of 40+ specialists works closely with lenders to secure quick agreements in principle (AIPs) and progress from inquiry to funding in under two weeks.

The firm supports regulated and unregulated bridging loans, with a special focus on property chains, debt settlements, and equity releases.

Brokers benefit from a dedicated intermediary support desk and streamlined onboarding tools.

• Loans from: Case-dependent
• Loan term: Usually 3 to 12 months
• LTV: Determined per lender; commonly 70–75%
• Key takeaway: Strong lender connections for broker-introduced cases

8. Fox Davidson

Bridging Loan Broker for Property Investors and Developers

Fox Davidson is a UK-based finance brokerage headquartered in Bristol, with a focus on residential and commercial property lending.

The firm provides non-regulated bridging loans secured on various property types including buy-to-let, mixed-use, and owner-occupied buildings.

Clients include property developers, landlords, and business owners.

The company states typical decision-in-principle timelines range from 24 to 48 hours, with funding released within 7 to 10 working days following valuation and legal review.

Fox Davidson accepts up to 75% loan-to-value (LTV), though up to 100% financing is considered where additional security is provided.

• Loans from: Deal-dependent
• Loan term: 1 to 12 months
• LTV: 65%–75%, up to 100% with extra collateral
• Key takeaway: Standard and high-leverage property bridging

9. Best Financial Services

Greater Manchester Bridging Broker with Multi-Sector Support

Best Financial Services is a finance and mortgage brokerage based in Greater Manchester.

The firm provides short-term bridging loans for residential and commercial property transactions, as well as secured loans, remortgages, and equity release.

Best Financial works with a range of mainstream and specialist lenders, supporting clients across property investment, estate planning, and capital-raising use cases.

The in-house advisory team manages product selection, application processing, and lender communication, with a local client base extending to wider regional and national borrowers.

• Loans from: Undisclosed
• Loan term: Case-specific
• LTV: Typically up to 75%
• Key takeaway: Broad local broker with diverse service portfolio

10. JW Private Finance

Bridging Loan Broker for Auction, Refurbishment, and Development

JW Private Finance is a UK-based finance firm specialising in bespoke bridging loans for residential, commercial, and investment property transactions.

Loan purposes include auction purchases, chain breaks, light and heavy refurbishments, below-market-value acquisitions, and capital raising.

Borrowers may include individuals, partnerships, sole traders, or limited companies.

The company supports short-term property finance secured against UK-based real estate, offering deal structuring with retained, rolled-up, or serviced interest formats.

JW Private Finance works across England and Wales, handling loans with time constraints or structural complexity.

• Loans from: Based on project scope
• Loan term: Typically 1 to 18 months
• LTV: Varies based on security and purpose
• Key takeaway: Bridging finance across diverse borrower profiles

11. Cornerstone Finance

Multi-Discipline Bridging Broker with Advisory Integration

Cornerstone Finance is a financial services firm offering bridging loans alongside mortgage, commercial finance, and investment products.

The firm operates with a specialist advisory team, arranging both regulated and unregulated bridging finance for residential and commercial property.

Bridging loans offered through Cornerstone typically range from 1 to 24 months and may include up to 100% loan funding where additional security is provided.

Their service model targets fast application processing, direct lender negotiation, and custom terms for investment, acquisition, or development purposes.

• Loans from: Not specified
• Loan term: 1 to 24 months
• LTV: Up to 100% with secondary security
• Key takeaway: Bridging broker with end-to-end financial planning capabilities

12. Charleston Financial

High-Capacity Broker with 200+ Lender Network

Charleston Financial is a bridging loan broker offering access to over 200 lenders across residential and commercial lending markets.

Bridging products include both regulated and unregulated options, with terms from one to 24 months.

Rates start at 0.55% per month, and the firm supports a range of interest structures including rolled-up, retained, and serviced payments.

Loan purposes include property acquisition, development exit, chain breaks, and refinance.

Clients receive a free lender match search, and agreement in principle is available within one hour of enquiry.

• Loans from: Undisclosed
• Loan term: 1 to 24 months
• LTV: Up to 80%; 100% available with additional assets
• Key takeaway: Fast-response brokerage with broad lender access

How Long Does It Take to Get a Bridging Loan?

Timing is one of the biggest reasons borrowers choose bridging finance, so it’s no surprise that many ask how long the process actually takes.

The short answer: it depends on the broker, lender, and how prepared you are.

With efficient bridging loan brokers, a decision in principle can often be issued within 1–2 days.

The full drawdown of funds usually takes 5 to 14 working days, though some deals complete in under a week when all documents and valuations are ready.

Delays typically come from slow legal work, missing documents, or complex property titles.

You can speed things up by having your solicitor lined up, providing full asset details early, and being clear about your exit strategy.

A good broker will flag potential roadblocks and guide you around them before they become costly.

Can You Get a Bridging Loan with Bad Credit?

Yes, it’s possible to get a bridging loan even with a poor credit history, but the terms and structure of the loan will depend heavily on the asset, not the applicant’s credit score.

Bridging lenders tend to focus on the property being used as security and the viability of the exit strategy.

That means defaults, CCJs, or past arrears won’t automatically disqualify you.

Lenders will want to understand how the loan will be repaid — typically through a sale, refinance, or income event — and whether the asset has enough value to cover the risk.

In many cases, interest is retained or rolled up, so monthly payments aren’t required, which helps ease affordability checks.

The broker’s role becomes even more important in these cases.

They’ll know which lenders actively accept adverse credit and how to present the application in a way that focuses on the strengths of the deal.

If the numbers stack up and the exit is realistic, bad credit alone rarely closes the door.

Final Thoughts

Bridging finance offers speed and flexibility, but it only works when structured correctly.

Choosing any of these bridging loan brokers can help you access competitive terms and avoid common delays.

Always verify the total cost of borrowing, including fees and exit charges, before signing.

Rushing into the wrong deal can cost more than waiting a few days for the right one.

Before You Go…

Getting a loan can be a challenging process. Here are some additional resources to help you better navigate this financial transaction.