Bridging Loans
Short-term bridging loans arranged quickly on a non-status basis.
Bridging finance is a short-term funding solution designed to \u201Cbridge\u201D the gap between an immediate capital requirement and the arrangement of longer-term finance. In the commercial property market, speed of execution can be the difference between securing a valuable asset and losing it to a competitor. Bridging loans provide the certainty and velocity that conventional mortgage processes simply cannot match.
Aberdeen Corporate Finance works with an extensive panel of specialist bridging lenders — from established institutions to private credit funds — to source facilities from £25,000 to £50 million on terms tailored to your specific transaction. As an independent broker, we are not tied to any single provider and will always seek the most competitive rate and structure available.
Key Features
Speed of Execution
Bridging loans can complete in as little as 7–14 days — and in urgent cases, within 48 hours. This makes them ideal for time-critical acquisitions, auction purchases, and opportunities where speed of completion is a competitive advantage.
First & Second Charge
Facilities are available on both a first and second charge basis against residential, commercial, mixed-use, and land assets. Second charge bridging allows you to raise additional capital without disturbing existing mortgage arrangements.
Non-Status & Adverse Credit
Unlike mainstream lenders, many bridging providers focus on the asset and the exit strategy rather than the borrower's credit history. This makes bridging accessible to applicants with adverse credit, CCJs, or no proof of income.
Flexible Loan Structures
Interest can be retained (deducted upfront), rolled up (added to the loan), or serviced monthly. Loan terms typically range from 1 to 24 months, with no early repayment penalties in most cases.
High LTV Ratios
Standard bridging LTVs range from 70–85% of the open market value. With additional security or mezzanine top-up, facilities approaching 100% of the purchase price can be structured for strong proposals.
Clear Exit Strategy
Every bridging loan requires a defined exit route — typically refinance onto a commercial mortgage, property sale, or development completion. We ensure your exit strategy is credible and well-documented from the outset.
Bridging Finance at a Glance
Maximum Facility
Fastest Completion
Standard Max LTV
Typical Loan Terms
Bridging Finance Is Ideal For
How It Works
Enquiry & Assessment
Provide details of the property, purchase price, loan required, and your exit strategy. We assess feasibility and identify the most suitable lenders from our panel.
Indicative Terms
We present you with competitive indicative terms from multiple bridging lenders, comparing rates, fees, LTV, and speed of completion.
Valuation & Legal
Once you select a lender, a valuation is instructed and solicitors are engaged. Many bridging lenders accept desktop valuations for speed.
Completion & Drawdown
Funds are released on completion. For straightforward cases, this can be as fast as 7–14 days from initial enquiry — or 48 hours in exceptional circumstances.
Important Notice: Aberdeen Corporate Finance Limited acts as a commercial finance broker and introducer. Bridging loans are secured against property and your property may be at risk if you fail to maintain repayments. All facilities are subject to status, valuation, and lender criteria. Rates and terms are indicative. Aberdeen Corporate Finance Limited is not regulated by the FCA.
Need Bridging Finance?
Contact us today for a rapid assessment and competitive bridging loan quotes from our specialist panel.
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