How it works
From enquiry to funded in five simple steps
No brokers, no PDF forms, no silence. Just a fast, transparent path from first question to funds in your account.
No brokers, no PDF forms, no silence. Just a fast, transparent path from first question to funds in your account.
Loan amount, the property, your exit strategy and a little about you. Two minutes, no documents needed to get a decision.
Our engine scores your case across five weighted factors and returns an indicative decision with terms on the spot.
If you're eligible, a dedicated expert picks up your case to confirm details and answer any questions.
We instruct the valuation and solicitors in parallel to keep everything moving at pace.
On completion the money is with you, typically within 5 to 14 days of your application.
Every application is scored out of 100 across five weighted factors. It’s transparent and consistent, so you see exactly why you got the decision you did, with no black box.
How the loan gets repaid. The single most important factor in bridging.
The loan amount against the property's value. Lower LTV means lower risk.
Your property track record and the strength of the underlying asset.
Deal timing and how well it fits a bridging structure.
Your circumstances and how the loan is held.
92/100
Checking your eligibility has no impact on your credit file. The decision is indicative, and final terms are confirmed after valuation and full underwriting.
Start your application →60 seconds
Answer a few questions online and get an indicative decision instantly.
15 minutes
A real underwriter reviews your case and confirms the decision in principle.
30 minutes
Your written offer with full terms lands in your inbox.
48 hours
Legals complete and the money lands in your account, often inside two working days.
You'll get an indicative decision in 60 seconds online, and a formal offer within 30 minutes of underwriter review. Once legals are complete, funds are typically released within 48 hours. That last step does depend on your solicitor and on how quickly valuation access is arranged.
Rates start from 0.75% per month on residential and 1.25% on commercial, with an arrangement fee from 1% of the gross loan. There is no exit fee on residential loans. You'll see your full indicative cost, including the total cost of finance, before you speak to anyone.
We focus on loans between £250,000 and £1 million, secured on residential, commercial, semi-commercial and mixed-use property. Maximum LTV is 75% on residential and 65% on commercial.
No. Bridging is asset-backed lending. The property, your equity and above all your exit strategy matter far more than your credit score, and adverse credit doesn't automatically rule you out.
Your exit is how the loan gets repaid: usually sale of the property, refinance onto a term mortgage, or sale of another asset. It carries 30% of your eligibility score, the largest single weighting, because it's how we know the loan can be cleared.
No. The online eligibility check is indicative and leaves no footprint on your credit file. A full credit search only happens later, with your consent, during formal underwriting.
Yes. Auction finance is one of our core products. Standard auction deadlines are 28 days and we routinely complete well inside that, so your deposit is never at risk.
No. You deal with us directly, so there's no broker chain adding fees or delays. The costs you see in your indicative terms are the costs you pay.
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No credit-file impact. No documents to start. Just an honest, instant answer.
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