£5 Million Maximum loan size.
75% LTV Maximum loan value.
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.
At LendFirst, we understand that residential property deals don’t wait, and neither should your finances.
Whether you’re buying under pressure, breaking a chain, or unlocking capital for your next move, we provide fast, precise, and dependable funding exactly when you need it.
Our process is flexible and straightforward. You’ll have direct access to decision-makers, and we provide terms within hours, not days. From single homes to residential portfolios, we support a wide range of situations with a common goal: to keep your plans on track and your transactions running smoothly.
With LendFirst, you stay in control, with funding that allows you to act fast and the confidence to move forward.
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Construction to Completion Funding
Construction to Completion Funding
Location: Preston, UK
Asset Type: Commercial Units
Completion: March 2025
The development team required timely access to funding to transition the project from the construction phase through to practical completion.
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.
We’re here to help.
If you can’t find your question here contact us and we’ll get back to you.
A residential bridging loan is a short-term loan that helps you move quickly when a traditional mortgage takes too long to process. At LendFirst, we utilise residential bridging finance to provide buyers, homeowners, and investors with access to funds when they need them most. Think of it as a financial bridge helping you buy your next home, refinance, or release equity until your longer-term plan is ready.
People turn to residential bridging finance when timing is everything. It could be buying a property at auction, covering a chain-break, moving before your sale completes, or even unlocking an inheritance or probate property. At LendFirst, we’ve also helped families downsizing, couples separating, and landlords growing their portfolios, all situations where waiting for a mortgage isn’t an option.
We know how stressful property deadlines can be. While a mortgage can take months to arrange, a LendFirst bridging loan can often be placed in 48 hours, sometimes even quicker if everything’s lined up. We’ve helped buyers secure auction properties in under three weeks, and families complete on their dream homes despite delays in their property chains. Having your documents ready makes the whole process even smoother.
Yes. This is one of the main reasons people come to us. If your buyer pulls out but you’ve already set your heart on your new home, a LendFirst residential bridging loan gives you the breathing space to keep moving. Once your current property sells, you can repay the loan. It’s designed to take the panic out of a chain break and give you certainty when you need it most.
The amount depends on your property and your plans. At LendFirst, we assess the value of your home (or homes) and your exit strategy to determine a loan that works for you. Some clients borrow to complete a £200,000 purchase while waiting for their sale, while others borrow much larger sums to build or grow an investment portfolio. Whatever your needs, we’ll tailor the loan around you. Typically, we offer a 70% loan-to-value (LTV) on residential bridging finance.
Repayment (what we call your exit strategy) is usually straightforward, typically involving either selling a property or switching to a long-term mortgage. At LendFirst, we’ll talk this through with you from the start so you’re confident about how it will work. For example, if you’re downsizing, we’ll structure the loan around the sale of your larger home. If you’re refinancing, we’ll make sure the numbers add up before you commit.
Bridging loans have interest and a few standard fees (like valuation and legal costs).
We’re completely upfront about costs, so you know exactly what you’re paying from day one. Rates vary depending on the property, loan size, and term. However, whether it’s a quick £50,000 loan or a multi-million-pound property deal, our focus is always on keeping it competitive and transparent.
No, as a non-regulated lender, LendFirst does not provide bridging loans secured against a primary residence.
Instead, our focus is on property investors, landlords, and developers who need short-term residential bridging finance for buy-to-let purchases, second homes, refurbishments, or auction properties. This streamlines the process, making it faster, more flexible, and better suited to investment opportunities.
Yes. At LendFirst, our residential bridging loans are designed specifically for investment purposes, such as funding a buy-to-let property, purchasing a second home, refinancing, or releasing equity. Many clients also utilise bridging finance to buy properties at auction, undertake refurbishments before refinancing, or expand their portfolios. If you’re an investor or landlord needing speed and certainty, residential bridging finance can give you the edge.
Which Is Right for Your Project?
Why They Matter and How to Get Them Right
How Long Does a Bridging Loan Take to Complete?
Buying or refinancing a property often comes with tight deadlines, and waiting months for a mortgage isn’t always an option, that’s where our residential bridging finance comes in.
Whether you need funds for a single home, a buy-to-let investment, or even a complete residential portfolio, we can help. At LendFirst, we assess every case individually, with no rigid tick-box lending, and tailor our residential bridging loan solutions to your specific plans. For returning clients, we can sometimes release funds in as little as 24 hours, giving you the confidence to secure the property you want without unnecessary delays.
At LendFirst, our residential bridging loans are designed for property investors, landlords, and developers who need short-term property finance they can rely on. Whether you’re buying at auction, refinancing to release equity, or adding to your residential portfolio, we’ll make sure finance never holds you back. With LendFirst, you get speed, flexibility, and the reassurance of having experts on your side.
Contact us today to discuss your bridging loan requirements and get a solution that works for you.
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