We offer bridging finance solutions for commercial and residential property investments.
Every application is assessed on its merits, allowing us to tailor solutions that meet the specific needs of each client.
Giving our clients the speed and flexibility to move quickly or compete as cash buyers, providing a valuable advantage in today’s competitive market.
£5 Million Maximum loan size.
Residential bridging loans are short-term finance solutions that provide quick access to funds when purchasing a property, enabling buyers to secure opportunities and enhance their overall financial flexibility effectively.
£5 Million Maximum loan size.
Residential refinance bridging loans provide short-term funding to release equity or restructure borrowing against property, enabling homeowners and investors to achieve improved financial flexibility and stability effectively.
£5 Million Maximum loan size.
Commercial bridging loans do exactly what they say: providing fast, short-term finance for commercial property purchases, enabling investors to secure opportunities and improve their overall financial flexibility effectively.
£5 Million Maximum loan size.
Commercial refinance bridging loans offer short-term funding secured against commercial property, enabling investors to release equity, restructure their borrowing effectively, and enhance financial flexibility with confidence and clarity.
£5 Million Maximum loan size.
Mixed-use purchase bridging loans offer fast, short-term funding for properties that combine residential and commercial elements, enabling investors to secure opportunities and maximise overall financial flexibility effectively.
£5 Million Maximum loan size.
Mixed-use refinance bridging loans are designed for property owners and investors who need to release equity or restructure existing borrowing, offering flexibility and enabling improved financial opportunities.
£50,000 Minimum loan size.
£5 Million Maximum loan size.
On difficult, unusual cases and multiple securities, legal costs will be charged pending on the merits of the case. Valuations required at our discretion, desktop and full valuations may be required.
Payment Terms –
Retained interest for full term only.
With LendFirst, speed and certainty are guaranteed. We combine fast decisions, flexible funding, and trusted relationships, so you never miss an opportunity to secure the right deal.
We look beyond the numbers to understand people and ambitions. By applying common sense and a personal approach, we deliver tailored solutions and lasting partnerships you can trust.
A lending company you can bank on!
Calculate your bridging loan, commercial or residential finance costs instantly
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Michael Clavell-Bate brings decades of senior experience to LendFirst, having led at Eversheds for over 25 years and served as President of the Manchester Law Society. Trusted for his clear, pragmatic advice, Michael now applies his expertise to help clients navigate their lending needs with confidence.
Chris Parkinson brings years of senior financial expertise to LendFirst, having guided businesses through growth, investment, and strategic change. Known for his clear insight and dependable leadership, Chris now ensures our operations remain financially strong and efficient, giving clients the confidence that every lending decision is built on sound financial foundations.
Mark Hindle brings over 25 years of IT experience to LendFirst, having supported businesses with reliable systems and secure infrastructure. Trusted for his technical expertise and proactive approach, Mark now ensures our technology runs seamlessly, giving clients and colleagues the confidence to work without interruption.
Having grown up in the property industry, Archie has developed a sharp eye for opportunities and a genuine passion for finance. At LendFirst, Archie focuses on building strong relationships with brokers, investors, and developers, working diligently to connect clients with fast, flexible bridging loans that enable them to move quickly on their property ambitions without the delays associated with traditional lending.
What our customers say...
I was looking to expand my portfolio with a residential development, but delays with mainstream lenders were holding me back. LendFirst stepped in with a refinancing package that released the equity I needed. Their team were responsive, supportive, and genuinely cared about helping me reach my goals. It felt like working with a partner, not just a lender.
As a developer, timing is everything. I needed flexible financing to push my project forward and keep contractors on schedule. LendFirst provided a bridging loan tailored to my development and kept the process straightforward. Having direct access to decision-makers gave me real confidence. They’re now my first call on future projects
Our business needed to refinance a large car park near Gatwick to free up cash for expansion. Banks were slow and unhelpful, but LendFirst understood the asset straight away. They structured a refinance that worked for us and completed far quicker than expected. Their knowledge of commercial assets really stood out.
I spotted a fantastic opportunity at auction, but I had just 72 hours to secure financing. LendFirst moved quickly than I thought possible — they issued terms the same day and had funds ready in time. Without them, I’d have lost the deal. I can’t thank the team enough for their speed and clear communication.
Rapid Auction Purchase Funding
Rapid Auction Purchase Funding
Location: Gatwick, UK
Asset Type: Airport Car Park (300 spaces)
Completion: December 2024
The opportunity to acquire the site arose at auction, requiring immediate access to funding to secure the purchase before the deadline.
Fast Funding at Auction
Fast Funding at Auction
Location: Manchester, UK
Asset Type: Residential Apartment
Completion: July 2025
An opportunity too good to pass up for our client, which required a 48-hour approval and funds within days of completion.
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If you can’t find your question here contact us and we’ll get back to you.
A bridging loan is a short-term type of property finance that helps you move quickly when traditional mortgages can’t keep up. At LendFirst, we offer bridging finance secured against residential, commercial, or mixed-use properties, giving you the freedom to act quickly. For example, if you’ve found the right property but your mortgage hasn’t been approved yet, a bridging loan can give you the funds to complete the purchase and repay once your long-term finance is in place. We focus on making the process simple, fast, and flexible so you can get on with your plans.
Resource: See our complete Guide to Bridging Finance to learn how bridging loans work in practice :
Bridging finance is most useful when time is critical or you need flexibility that banks can’t offer. Many of our clients come to LendFirst when they’re buying at auction, facing a chain-break, funding a refurbishment, or securing a commercial opportunity that won’t wait. For example, we’ve helped homebuyers complete on a new property while waiting for their old house to sell, and landlords unlock equity from their portfolio to reinvest quickly. If speed and certainty are important, a bridging loan is often the best solution.
Explore auction bridging finance. Get a LendFirst bridging loan quote.
One of the biggest advantages of bridging finance is speed. While a mortgage can take months, LendFirst bridging loans can often be completed in as little 48 hours, provided valuations and legal work are ready. We know delays can cost you opportunities, so our team works closely with trusted solicitors and valuers to move things along quickly. For instance, we’ve helped investors complete auction purchases in under two weeks. If you’re prepared with the right documents, we’ll do everything possible to get your funds to you without delay.
Apply now for fast bridging finance with LendFirst.
Yes, at LendFirst, we specialise in all types of short-term property finance.
Residential bridging loans are ideal for purchases, refinances, or chain-breaks when moving home.
Commercial bridging finance supports business owners and investors buying offices, retail units, or industrial sites.
Mixed-use bridging loans are perfect for properties with both residential and commercial elements, such as a shop with flats above.
By tailoring each loan to the property type and your exit strategy, we make bridging finance work for homeowners, landlords, developers, and businesses alike.
Use our Bridging Loan Calculator to see indicative loan amounts and costs.
The amount you can borrow depends on the property’s value, the loan-to-value ratio ( LTV ), and the security available.
At LendFirst, we secure bridging finance against residential, commercial, and mixed-use property, with both first and second charges considered. For example, a homeowner might borrow to complete a purchase while waiting for their current home to sell, while an investor may fund a multi-property purchase. Whatever your circumstances, we’ll work with you to structure a loan that fits your needs and repayment plan which suits your needs.
Check how much you can borrow with LendFirst. Get a quote online.
An exit strategy is your plan for repaying a bridging loan, typically by selling a property or refinancing it to a long-term mortgage to clear the bridging loan.
At LendFirst, we ensure that your exit is realistic before approval. For instance, residential clients often repay when their old property sells, while commercial clients might refinance with a specialist lender. A clear exit strategy means the loan is safer for you and gives us confidence to release funds quickly. It’s the foundation of every successful bridging finance application.
Discuss your exit strategy with LendFirst. Contact our lending experts.
The cost of a bridging loan comprises interest plus fees, including arrangement, valuation, and legal charges.
At LendFirst, we believe in total transparency; you’ll know all costs upfront with no hidden extras. Rates vary depending on property type, loan-to-value ratio, and term, but we ensure our bridging finance is competitive across residential, commercial, and mixed-use properties.
For example, a short-term residential bridging loan may carry a lower rate than a complex commercial deal. Whatever the case, we’ll provide a clear breakdown before you commit.
Yes, early repayment is usually possible with a LendFirst bridging loan.
While some products may include a minimum interest period, we’ll always explain the terms clearly before you proceed. Many of our clients choose us because of our flexibility: if your sale or refinance happens sooner than expected, you can repay early and often save on interest.
Whether your bridging loan is for residential, commercial, or mixed-use property, we’ll structure it to give you as much flexibility as possible.
Talk to LendFirst about repayment terms. Contact our team today.
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BRIDGING FINANCE
Bridging finance is all about speed and flexibility. It’s a short-term loan designed to help property buyers, homeowners, and investors secure funding quickly when traditional mortgages or bank loans take too long to process. A bridging loan can cover a residential purchase, refinance an existing property, or unlock equity tied up in real estate, giving you the freedom to move forward without delays.
From property auctions and chain breaks to refurbishments, business expansion, and investment opportunities, bridging loans provide the certainty to act quickly when timing matters most. With straightforward approval criteria, clear repayment terms, and flexible lending options, bridging finance is a practical alternative to conventional borrowing. At LendFirst, we specialise in residential, commercial, and mixed-use bridging loans, offering competitive rates and expert guidance at every step.
Why choose LendFirst? Because we make bridging finance simple. Our rapid response and streamlined process mean you won’t miss out on opportunities. Whether you’re a first-time buyer, a seasoned landlord, or a business owner, we’ll tailor the loan around your property and exit strategy. With a focus on speed, transparency, and personal support, LendFirst bridging loans are built to help you secure the funding you need with confidence.
Contact us today to discuss your bridging loan requirements and get a solution that works for you.
