Ultimate Finance Bridging Loans
Access Ultimate Finance's comprehensive bridging products through Doulton. Wide property acceptance, flexible LTVs up to 80%, and solutions for purchase, refinance, and capital raising.
Ultimate Finance bridging loans through Doulton
Ultimate Finance is a well-established specialist lender offering one of the most comprehensive bridging product ranges in the UK market. Their breadth of products, combined with flexible underwriting and wide property acceptance, makes them a go-to lender for cases that need a versatile funding solution across residential, commercial, and mixed-use property types.
As an experienced bridging finance broker, Doulton has a direct relationship with Ultimate Finance's underwriting team. We search across 130+ lenders including Ultimate Finance to find your best deal, ensuring you get the most competitive terms available for your specific circumstances.
What Ultimate Finance offers
Comprehensive Product Range
Ultimate Finance offers a broad bridging product suite covering purchases, refinances, capital raising, and auction finance. Whatever the transaction type, they are likely to have a product that fits.
Wide Property Acceptance
From standard residential to non-standard construction, commercial units, and mixed-use assets, Ultimate Finance considers a diverse range of security types that many lenders would not entertain.
Flexible LTV Options
Ultimate Finance offers lending up to 80% LTV on certain products, providing higher leverage than many competitors. This is particularly valuable for borrowers looking to maximise their purchasing power.
Regulated Bridging Available
For borrowers purchasing or refinancing their own home, Ultimate Finance offers FCA-regulated bridging loans with the consumer protections that regulated lending provides.
Nationwide Panel of Valuers
Ultimate Finance works with a large panel of RICS-qualified valuers across the country, ensuring that valuations can be instructed and completed quickly regardless of the property's location.
Dedicated Underwriting Teams
Cases are handled by dedicated underwriting teams who specialise in different property types and transaction structures. This expertise means faster assessments and more informed lending decisions.
The advantage of going through Doulton
While Ultimate Finance is a comprehensive lender, they are just one option in a market of over 130 specialist bridging providers. By working with Doulton, you gain access to the entire market - not just a single lender's products. We compare Ultimate Finance's terms against every other lender to make sure you are getting the best deal.
Our established relationship with Ultimate Finance means we can often negotiate better terms than you would receive going direct. We understand their criteria inside out, which means fewer delays, fewer declines, and faster completions. If Ultimate Finance is not the right fit, we will tell you - and place your case with a lender that is.
Looking for an Ultimate Finance bridging loan?
We search across 130+ lenders including Ultimate Finance to find your best deal. Get an indicative quote within hours.
Frequently asked questions
Can I apply to Ultimate Finance directly or do I need a broker?
Most specialist bridging lenders including Ultimate Finance prefer intermediated business and either do not accept direct applications or reserve their best pricing for broker-introduced cases. Going through a whole-of-market broker like Doulton means your application is placed on the right desk, structured the way the underwriter wants to see it, and benchmarked against 130+ alternative lenders before you commit.
How does Ultimate Finance compare with other bridging lenders?
No single lender is the cheapest or fastest on every case. Ultimate Finance may offer market-leading rates on one property type and be uncompetitive on another. We look at your specific scenario - property, LTV, exit strategy and timeframe - and identify which of the 130+ lenders on our panel will give you the best overall deal.
How fast can Ultimate Finance complete a bridging loan?
Straightforward bridging cases can complete in 5 to 10 working days. More complex scenarios - unusual security, cross-collateralisation, multiple owners - typically take 2 to 3 weeks. Speed is driven by valuation and legal turnaround more than underwriting, so coming in with clean paperwork makes the biggest difference.
What rates do specialist bridging lenders charge?
Rates currently range from around 0.49% per month for prime residential first-charge deals at lower LTVs, through to 1.25%+ for heavy refurbishment, complex commercial, or higher-LTV transactions. Arrangement fees are usually 1-2% and most lenders will accept retained, rolled-up or serviced interest.
Does using a broker cost more than going direct?
No. Broker fees are typically disclosed upfront and competitive deals often only become available via intermediaries. Lenders price in the underwriting and packaging work a good broker does, so you usually end up with a lower all-in cost than going to the lender's direct-to-consumer desk.
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