Bridging Finance

Large Bridging Loans

High-value bridging finance from £1m to £100m+. Bespoke terms, competitive rates, and experienced structuring for complex property transactions.

High-Value Finance

When the stakes are high, experience matters

Large bridging loans require a fundamentally different approach. At Doulton Bridging Finance, we specialise in structuring facilities from £1 million to over £100 million for property professionals, developers, and investors who need speed and certainty at scale.

Whether you are acquiring a prime London asset, consolidating a portfolio, or funding a time-sensitive commercial purchase, our team has the lender relationships and structuring expertise to deliver. Larger loans often attract better rates - starting from just 0.49% per month - because lenders compete harder for premium business.

£100m+

Maximum Loan Size

0.49%

Rates From (pm)

75%

LTV Available

130+

Specialist Lenders

Why Doulton

Built for high-value transactions

Bespoke Underwriting

Every large loan is individually structured. Our underwriters assess the full picture, not just a credit score, ensuring terms that reflect your deal's true potential.

Better Rates at Scale

Larger loans typically attract more competitive pricing. As loan size increases, lenders compete harder for your business, driving rates down from 0.49% pm.

Complex Structures Welcome

Multiple securities, corporate borrowers, offshore SPVs, cross-charges - we have deep experience structuring loans that high street lenders simply cannot accommodate.

Portfolio Acquisitions

Acquiring multiple properties in a single transaction? We arrange finance against portfolios of residential, commercial, or mixed-use assets under one facility.

Speed at Any Size

Large does not mean slow. With pre-approved credit lines from our panel of 130+ lenders, we regularly complete loans of £5m+ within 10 to 14 working days.

Experienced Advisory

With over 20 years in the market, our team has structured hundreds of seven- and eight-figure bridging facilities. You benefit from that depth of knowledge on every deal.

The Process

How it works

Initial Consultation

We discuss your requirements, property details, and exit strategy. Within hours, you receive an indicative terms sheet outlining rates, LTV, and fees.

Lender Matching

We present your case to the most suitable lenders from our panel of 130+. For large loans, we often approach multiple lenders simultaneously to drive competitive tension.

Valuation and Legal

A RICS-accredited valuation is instructed and legal work begins in parallel. We coordinate all parties to keep timelines tight and avoid unnecessary delays.

Completion and Drawdown

Once all conditions are satisfied, funds are released to your solicitor. For straightforward cases, completion in 7 to 14 days is achievable even at scale.

Discuss your large loan requirements

Our specialist team is ready to structure the right facility for your transaction. Get an indicative terms sheet within hours.

Get a Quote Discuss Your Requirements

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.