Bridging Finance

Bridging Loans for Property Development

Short-term funding for purchase, refurbishment, or conversion. Bridge the gap before development finance kicks in with fast access to funds.

Development Finance

Move fast on development opportunities

Property development moves quickly, and the best opportunities often go to the developer who can act fastest. Bridging finance gives you the short-term capital to secure a site, start works, or bridge the gap while longer-term development finance is arranged.

At Doulton Bridging Finance, we work with developers at every scale, from single-unit refurbishments to multi-site acquisitions. Our panel of 130+ specialist lenders means we can find competitive terms for projects that high street banks simply will not consider.

7 Days

Fastest Completion

0.49%

Rates From (pm)

80%

LTV Available

130+

Specialist Lenders

Why Doulton

Flexible finance for every stage of development

Purchase Funding

Secure a development site or property quickly with short-term bridging finance. Move fast on auction purchases or time-sensitive opportunities before arranging longer-term development finance.

Refurbishment Finance

Fund light to heavy refurbishment projects. Whether you are updating a tired property for resale or converting a commercial unit to residential, bridging finance provides the capital you need.

Bridge to Development Finance

Use a bridging loan to acquire a site while your full development finance is being arranged. This is a common strategy for developers who need to move quickly to secure a deal.

Staged Drawdowns

Some lenders offer staged releases of funds tied to project milestones. This can reduce your overall interest costs by only drawing what you need, when you need it.

Experienced Lender Panel

We work with 130+ lenders, many of whom specialise in development-related bridging. This means access to competitive rates and terms tailored to your project type.

Speed and Certainty

Development opportunities do not wait. We regularly complete bridging facilities within 7 to 14 days, giving you the speed and certainty to secure the best deals.

The Process

How it works

Project Discussion

We review your development plans, the property or site, and your exit strategy. You receive indicative terms within hours of your initial enquiry.

Lender Matching

We present your project to the most suitable lenders from our panel, focusing on those with appetite for your specific type of development and property.

Valuation and Legal

A RICS valuation is instructed and legal work runs in parallel. We manage all parties to ensure the process stays on track and on time.

Funds Released

Once conditions are satisfied, funds are released so you can move forward with your project. Completion in 7 to 14 days is achievable for straightforward cases.

Have a development project in mind?

Whether you need to secure a site quickly or bridge the gap to longer-term finance, our team can help. Get indicative terms within hours.

Get a Quote Discuss Your Project

FAQs

Frequently asked questions

What is a bridging loan and when is it used?

A bridging loan is a short-term property-secured facility, usually 1-24 months, used to 'bridge' a funding gap - for example between buying a new property and selling an existing one, completing an auction purchase within 28 days, breaking a property chain, or funding works before refinancing onto a mortgage.

How much can I borrow on a bridging loan?

We arrange bridging from £25,000 up to £100m+. Typical LTVs are up to 75% on residential, 70% on commercial, and up to 80% on larger prime deals. Second-charge bridging is available up to around 65% LTV.

How fast can a bridging loan complete?

Straightforward cases can complete in 5-10 working days. Complex security, multiple parties, or additional diligence typically adds 1-2 weeks. Valuation and legal turnaround - not lender underwriting - usually drive the overall timeline.

What exit strategies do lenders accept?

The most common exits are (1) sale of the security property or another asset, (2) refinance onto a mortgage, and (3) receipt of expected funds (probate, business cash flow, drawdown of other finance). Lenders stress-test the exit alongside the loan.

What are typical bridging rates and fees?

Rates currently start from around 0.49% per month and rise based on risk, LTV and property type. Expect arrangement fees of 1-2%, valuation fees of £300-£1,500, and legal fees of £1,500-£3,000. Interest can be serviced monthly, retained upfront, or rolled up.

Related finance

Explore related pages

Other Doulton specialisms and lenders that commonly fit alongside this one. We always compare the full 130+ lender panel before recommending a deal.