Bridging Finance

HMRC Payment Bridging Loans

Fast bridging finance to cover any HMRC tax liability. Avoid penalties and enforcement action with short-term, property-backed lending.

HMRC Finance

Any tax bill, any deadline

HMRC tax liabilities come in many forms - income tax, capital gains tax, inheritance tax, VAT, corporation tax, and more. What they all have in common is a fixed deadline, penalties for late payment, and the potential for enforcement action if left unpaid.

A bridging loan secured against property provides the fast, flexible funding to pay any HMRC liability on time. At Doulton Bridging Finance, we have arranged tax bridging for individuals, businesses, executors, and trustees across every type of HMRC payment. Whatever your situation, we can help you find a solution.

7 Days

Fastest Completion

75%

LTV Available

130+

Specialist Lenders

All Taxes

HMRC Liabilities Covered

Tax Types

Bridging finance for every HMRC liability

Income Tax

Self-assessment income tax bills can be substantial, especially for self-employed individuals and company directors. A bridging loan covers the payment while you manage your cash flow.

Capital Gains Tax (CGT)

CGT on property disposals is due within 60 days of completion. If the sale proceeds are tied up or reinvested, a bridging loan provides the funds to pay HMRC on time.

Inheritance Tax (IHT)

IHT is due within 6 months of death, but probate and property sales often take longer. A bridging loan against the inherited property allows the tax to be paid while the estate is settled.

VAT

Quarterly VAT payments can strain cash flow, particularly for businesses with seasonal revenue or long debtor payment terms. Bridge the gap until your cash flow normalises.

Corporation Tax

When business profits are tied up in assets, stock, or growth, finding cash for corporation tax can be challenging. A bridging loan preserves working capital while meeting the deadline.

HMRC Time to Pay Shortfall

If HMRC has offered a Time to Pay arrangement but you need additional funds to meet the agreed schedule, a bridging loan can provide the shortfall to keep the arrangement on track.

Why Doulton

Why use bridging to pay HMRC?

Cover Any Tax Liability

Whatever the type of HMRC payment - income tax, CGT, IHT, VAT, corporation tax, or PAYE - we can arrange bridging finance to cover it. One solution for any tax funding gap.

Fast Turnaround

Tax deadlines are non-negotiable. We regularly complete HMRC payment bridging facilities within 7 to 14 days, and faster for urgent cases with straightforward security.

Avoid Enforcement Action

Unpaid tax can escalate quickly from penalties to enforcement action, including county court judgements and winding-up petitions. Paying on time removes this risk entirely.

Property-Backed Security

Secure the loan against residential, commercial, or mixed-use property. Personal or business assets can be used, and existing mortgages do not necessarily prevent lending.

Flexible Exit Strategies

Repay from a property sale, remortgage, business revenue, inheritance distribution, or other anticipated funds. We work with lenders who understand varied repayment sources.

Specialist Lender Access

Our panel of 130+ lenders includes specialists in tax-related bridging who understand HMRC timelines and the urgency of these situations. We match you to the right lender for your case.

The Process

How it works

Outline Your Tax Liability

Contact us with details of the HMRC payment due, the deadline, and the property available as security. We provide indicative terms within hours of your enquiry.

Lender Selection

We identify the best-suited lenders from our panel for your specific tax type and circumstances, focusing on speed, pricing, and flexibility of exit terms.

Expedited Completion

Valuation and legal work are fast-tracked to meet your HMRC deadline. We manage all parties and ensure the process stays focused on your payment date.

HMRC Paid

Funds are released so you can settle your tax liability on time. Penalties and enforcement action are avoided, and you repay the loan according to your agreed exit strategy.

Facing an HMRC payment deadline?

Whatever the tax type, our team can help you find fast, flexible bridging finance to pay HMRC on time. Get in touch today.

Get a Quote Discuss Your Tax Bill

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.

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