We offer bridging finance solutions for commercial and residential property investments.
We’re here to make lending easy, fast, flexible, and available nationwide.
With our 25 years of experience in property development, we’re more than just a lender; we are a trusted partner in your property journey. What sets us apart is our commitment to delivering exceptional customer service, regardless of the scale. We don’t follow a one-size-fits-all approach. Instead, we remain committed to building long-term, meaningful relationships with our clients.
Our team is driven by intelligence, speed, and trust. We constantly innovate and stay ahead of market trends, ensuring our clients always benefit from innovative, forward-thinking financial solutions. Your needs guide every decision we make, and we take pride in being approachable, responsive, and easy to work with. We are dedicated to serving you.
At LendFirst, our customers come first!
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.
We’re here to help.
If you can’t find your question here contact us and we’ll get back to you.
At LendFirst, we provide flexible and fast bridging finance for commercial property acquisitions right across the UK covering England, Wales, Scotland, and Northern Ireland. Whether you’re purchasing new assets, refinancing existing property, or securing short-term funding to keep your plans moving, our solutions are tailored to give you the speed and certainty the commercial market demands.
Our bridging loans can be used for purchases, refinancing, or short-term holds, making them ideal for investors, landlords, and developers working to tight deadlines. We assess each case individually, tailoring funding to the structure, income potential, and goals of your property project. With terms issued in hours and funds available in as little as 24 hours for existing clients, you’ll have the confidence to move quickly when opportunities arise.
From single residential homes and portfolios, to mixed-use spaces and large-scale commercial properties, we combine expertise with a streamlined process, offering clarity, direct access to decision-makers, and professional support at every stage.
Ready to get started? Call our experienced team today or request a quote online to discover how LendFirst bridging finance can unlock capital and support your next property project.
Each application is assessed on its individual complexity, ensuring funding is tailored to your circumstances. For most cases, we’re able to provide a funding decision within just a few hours; far quicker than traditional lenders. For existing clients, drawdowns can be completed within 24 hours, giving them the ability to move like cash buyers and secure opportunities in highly competitive markets. This speed and certainty mean you can act decisively, keep transactions on track, and avoid the delays that often cause deals to fall through.
Our bridging loans start from £50,000, with funding available up to £5 million. The exact amount depends on the property type, asset value, and borrower profile, ensuring we provide a solution that’s both flexible and aligned with your project’s needs. Whether it’s a smaller residential purchase or a large-scale commercial acquisition, we can tailor the loan to fit.
Our standard loan term is 12 months, providing a straightforward, short-term solution for your property finance needs. If required, terms can be extended up to 24 months on request, giving you additional flexibility to manage your project timelines or complete longer transactions.
These fees are designed to be transparent and competitive, providing clarity upfront so you can plan your project costs effectively.
LendFirst charges & fees:
- Arrangement fee: 1%
- Monthly interest: 1%
- Exit fee: 1%
- Lenders legal costs: 0.5% of the net loan, minimum £750 (may vary for complex cases)
- Valuations: At our discretion; desktop or full RICS valuations may be required
We accept borrowers aged 18 and over, including non-UK residents and expatriates.
We work with:
- Limited companies
- Partnerships
- LLPs
- Sole traders
These requirements ensure that borrowers are well-positioned to manage the loan responsibly and complete their property projects successfully.
To be eligible for a bridging loan with LendFirst, applicants must:
- Have solid experience in UK property development, investment, or management
- Have a clean financial record with no County Court Judgments (CCJs), defaults, or arrears on secured loans
- Have no history of bankruptcy or Individual Voluntary Arrangements (IVAs)
- Be able to provide a clear property title with no significant legal issues
Personal guarantees (PGs) may be required at our discretion, depending on the size of the loan, the property type, and the borrower’s profile. This allows us to structure the finance appropriately while providing additional security where necessary.
Valuations are required at our discretion to ensure accurate property assessment. Typically, a full RICS valuation, instructed by and addressed to LendFirst, is needed. In certain cases, a desktop valuation may be sufficient, depending on the property type and loan structure.
We offer flexible exit options to suit your project needs. The loan can be repaid through either:
-Sale of the property – ideal for developers or investors looking to realise value quickly.
-Refinancing – suitable for borrowers seeking longer-term funding or to restructure existing finance.
This ensures you have a clear, practical plan for repayment while keeping your project on track.
We generally prefer to take a first charge on the property to provide security and streamline the lending process. However, second charges are available in certain cases, depending on the borrower profile and loan structure. This flexibility allows us to tailor funding to suit your specific circumstances.
Interest on the loan is retained for the full term, ensuring predictable costs throughout your borrowing period. Any other payment terms, including arrangement or exit fees, will be agreed upon and clearly outlined as part of your loan offer, giving you transparency and certainty from the outset.