Fast Bridging

Fast Bridging Loans - 48-Hour Completion

Bridging finance built to complete in days, not weeks. Pre-approved lenders, automated valuations, title insurance and dual-representation solicitors compress the entire process into a workable timeline.

What it is

Bridging that actually completes inside a week

Most bridging lenders quote 14 to 28 days to completion. A fast bridging loan compresses that to 48 hours at the sharp end and 5 to 7 working days for most realistic cases. It exists for situations where the deadline is harder than the price: auction lots requiring 14-day completion, sales chains about to collapse, foreign currency transfers that have failed, urgent tax bills, and any acquisition where the underlying opportunity disappears without funds on the table.

Speed comes from three things working in parallel: a lender with delegated underwriting authority and an in-house legal team, an Automated Valuation Model (AVM) or desktop valuation in place of a physical inspection where the security allows, and a dual-representation solicitor acting for both borrower and lender to remove the gap between two legal teams. Doulton runs all three from day one on cases that need to move fast.

Title insurance is the other lever. For straightforward unencumbered security with clean title, a no-search title indemnity policy can replace local authority and drainage searches at the lender's discretion, removing 7-10 days from the legal timetable. It is not appropriate on every case (anything with planning sensitivity, complex title, or recent change of registered proprietor benefits from full searches), but where it fits, it is the difference between a 21-day and a 7-day completion.

Get a Quote Call 0204 6211776

48 hours

Fastest completion

5-7 days

Typical fast track

0.69% pm

Rates from

Up to 75% LTV

On clean security

Why Doulton

What makes this work in practice

Pre-approved lender panel

We hold relationships with the 8-10 bridging lenders genuinely capable of 48-hour to 7-day completion. The bottleneck is never finding a willing lender, it is delivering the underwriting evidence in the right format the same day.

AVM and desktop valuations

On clean residential or simple commercial security under £1m, an Automated Valuation Model or desktop valuation can replace a physical RICS inspection. Saves 5-7 days versus a standard surveyor instruction.

Title indemnity insurance

Where the title is clean and the security profile allows, a no-search title indemnity policy substitutes for local authority and drainage searches, removing 7-10 days from the legal phase.

Dual-representation solicitors

A single firm acts for borrower and lender, eliminating the back-and-forth between two legal teams. Almost every sub-7-day completion runs on dual rep.

Direct underwriter access

Our packaging team has direct access to credit committees at the speed-focused lenders. Queries are turned around in hours rather than waiting for a daily underwriter sign-off cycle.

Same-day formal offer possible

On the most prepared cases (clean title, valuation already to hand, signed Heads of Terms) we have seen formal offers issued the same day as application and funds released within 48 hours.

The process

How it works

Same-day quote and lender shortlist

Give us the deadline, property and exit. We confirm which fast-track lenders fit and what evidence is needed by close of business that day.

Heads of Terms within 24 hours

Formal indicative terms issued by the lender, almost always within 24 hours. AVM or desktop valuation instructed. Dual-rep solicitor engaged.

Underwriting and legals in parallel

Full credit decision, title indemnity quote, search-of-the-index map and ID checks all run concurrently. Underwriter, packager and solicitor on the same call where useful.

Completion in 48 hours to 7 days

Funds drawn into the solicitor's client account. The majority of fast-track cases complete inside 7 working days; the fastest in 48 hours.

Got a deadline this week?

Fast bridging finance from lenders with delegated authority and in-house legal teams. Tell us the deadline and we will tell you within the hour whether it can be hit.

Get a Quote Call 0204 6211776

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.