Bridging Finance
Bridging Finance is a short-term loan secured against property, designed to “bridge” the gap between purchase and exit (refinance or sale). It is ideal for:
Bridging Finance Services
Residential Bridging Finance
Short-term finance for residential properties, including unmortgageable units, refurb projects, and auction purchases.
Read more ›Commercial Bridging Finance
Funding for commercial assets, mixed-use buildings, offices, shops, and commercial-to-residential conversions.
Read more ›Light Refurbishment Bridging
Ideal for cosmetic upgrades such as kitchens, bathrooms, flooring, and minor repairs.
Read more ›Heavy Refurbishment Bridging
Supports structural works, extensions, reconfiguration, and major upgrades.
Read more ›Bridge-to-Let Finance
Bridging designed for investors planning to refinance onto a buy-to-let mortgage after works.
Read more ›Bridge-to-Sell Finance
Short-term finance for investors planning to refurbish and sell for profit.
Read more ›Development Exit Finance
Finance for developers who need time to sell or refinance completed projects.
Read more ›Bridging Finance is a short-term loan secured against property, designed to “bridge” the gap between purchase and exit (refinance or sale). It is ideal for:
- Auction purchases
- Refurbishment projects
- Commercial-to-residential conversions
- Portfolio expansion
- SPV acquisitions
- Development exit strategies
Bridging is fast, flexible, and asset-based, making it the preferred tool for UK investors.
Why Auction360
Auction360 is engineered for speed, certainty, and investor-friendly underwriting.
Why clients choose us:
- 7–14 day completions
- Auction-specialist underwriting
- Refurbishment-friendly lenders
- SPV-ready finance
- Commercial bridging expertise
- Dedicated case manager
- Full lender packaging
- Exit strategy planning
Auction360 is not a general broker — we are a specialist property finance platform.
How Bridging Works
Bridging Finance provides fast capital secured against property. It is repaid through a defined exit strategy.
How it works:
- You apply for bridging finance
- Valuation + underwriting completed
- Offer issued
- Completion within 7–14 days
- You refurbish, convert, or refinance
- Loan repaid at exit (sale or mortgage)
Why bridging is ideal:
- Works for unmortgageable properties
- Allows refurbishment before refinance
- Supports SPVs and limited companies
- No monthly payments option (rolled-up interest)
- Flexible terms (3–18 months)
Fast Completion
Auction360 specialises in rapid bridging completions.
Typical timeline:
- Day 1: Pre-approval
- Day 2–5: Valuation + underwriting
- Day 7–10: Offer issued
- Day 10–14: Completion
Emergency bridging available in 48 hours for urgent cases.
Eligibility & Criteria
Bridging is flexible, but lenders require:
You are eligible if:
- You have a viable exit strategy
- You have deposit/equity
- You are an investor, developer, or SPV
- The property has a viable resale/refinance value
We support:
- First-time investors
- Experienced landlords
- SPVs and limited companies
- Developers
- Portfolio buyers
Process
Auction360’s bridging process is engineered for speed.
Step-by-step:
- Pre-Approval
- Valuation
- Underwriting
- Offer Issued
- Completion
- Refurbishment / Conversion
- Exit Strategy (Refinance or Sale)
Case Studies
Case Study 1 — Light Refurbishment Bridging
- Purchase: £210,000
- Works: £18,000
- Completion: 11 days
- Exit: BTL refinance
- Outcome: £42,000 uplift
Case Study 2 — Commercial-to-Residential Conversion
- Purchase: £380,000
- Completion: 13 days
- Exit: Development finance
- Outcome: 2-flat conversion, £110,000 uplift
Case Study 3 — SPV Bridging
- Structure: SPV with two directors
- Completion: 10 days
- Exit: Bridge-to-let
- Outcome: £65,000 equity release
Frequently Asked Questions
What is bridging finance?
Bridging finance is a short-term loan secured against property, used to buy, refurbish, or refinance quickly.
How fast can bridging finance complete?
Most bridging loans complete within 7–14 days, with emergency options in 48 hours.
Do bridging lenders require monthly payments?
Most bridging loans use rolled-up interest, meaning no monthly payments.
Can I get bridging finance for unmortgageable property?
Yes - bridging is designed for properties needing refurbishment or structural work.
What is the exit strategy for bridging finance?
Exit strategies include refinance (BTL or commercial) or sale after refurbishment.
Can SPVs get bridging finance?
Yes — SPVs often receive faster underwriting and cleaner separation from personal assets.
Do lenders check credit?
Yes, but bridging is asset-based — credit issues can be priced in.
Is bridging finance regulated?
Investment and business bridging is unregulated; owner-occupied is regulated.
Can I use bridging for refurbishment?
Yes — both light and heavy refurb projects are supported.
What fees are involved?
Lender fee, valuation, legal fees, and interest (usually rolled-up).
Can first-time investors get bridging?
Yes — if the exit strategy is viable.
Ready to move forward?
Speak to an Auction360 specialist about bridging finance and get indicative terms.
Speak to a Specialist Book a Discovery Call