Individuals, self-employed, Limited companies, SPV’s, LLPs, Foreign Nationals, Non-UK residents, Complex Structures and Trusts.
Bridging Finance
Quest is a specialist Bridging Finance broker sourcing fast, affordable and flexible - short-term bridging loans for Property Developers, Investors, Individuals and Foreign Nationals with borrowing requirements of £75k - £25m.
Our bridging loans are available to:
What is bridging finance?
Bridging finance is a short-term, interest only loan secured against residential or commercial property. The duration of a bridging loan is typically 3-18 months and repaid from the sale of property or long-term mortgage refinance.
Quest Commercial Finance is a credit broker with access to bridging lenders in London and across the UK. We can advise you of your bridging loan options, package your application and introduce you to lenders offering terms tailored to your needs and circumstances.
Bridging loan features
USP | Funds available quickly and flexible criteria |
Minimum loan amount | £100,000 |
Maximum Loan amount | £25,000,000 |
Loan term | 1-24 months |
Maximum loan to value (LTV) | Up to 75% day 1 |
Maximum LTGDV | Up to 70% including interest roll up |
Build Costs | Up to 100% on stage payments paid in arrears upon QS certification |
Loan to cost (LTC) | Up to 100% finance with additional security |
Security | First charge, second charge or combination of both
Directors personal guarantees; mortgage debenture on a case by case basis |
Arrangement fee | 1-2% of gross or net loan amount |
Exit fee | Typically, no exit fees for bridging finance |
Interest rates | From 0.54% per month (on drawn balance) |
Early repayment charges | No Early repayment charges |
Monitoring Surveyor | Bank appointed QS for complex heavy refurbishments, conversions, and renovations |
Exit strategy | Refinance, sale of property or combination of both |
Poor credit history | Available to borrowers with CCJs, loan defaults, arrears, IVAs, bankruptcy etc |
Land | Land loan with or without planning |
Security | All residential and commercial property considered except first charge personal home |
Proof of income | None required |
Minimum/maximum age | 18/80 |
Bridging Finance uses:

Developer
Bridging Loan
- Bridging for refurbishments, renovations, extensions and conversions.
- Development exit loan.
- Finish and exit development loan.
- Bridging for HMO purchase and conversions.
- Bridging for office to residential under Permitted Development Rights

Commercial Bridging Loan
- Buyout a business partner.
- Finance business expansion.
- Fulfill large contracts.
- VAT bridging loan and Corporation Tax.
- Invest in stock, new equipment and machinery.
- Pay bills, invoices and creditors.
- Cover unexpected business costs and expenses.

Investment Bridging Loan
- Chain breaks.
- Auction Finance.
- Non-UK resident investors.
- Buy to let purchase.
- Buy to let portfolio refinance.
- Unmortgageable property.
- HMO bridging loan.
- Below market value purchase.
- Bridging loan refinance.
- First time landlords.

Bridging loans for individuals
- Avoid repossession.
- Divorce settlements.
- Pay inheritance and CGT
- Second charge bridge for business purposes.
- Cash flow for purchases and unexpected costs.
- Discharging adverse credit.
- Exiting IVAs.
- Repairing CCJs.
Bridging Finance information in more detail

Latest news
In January 2021, Aspen Bridging completed a £1.45m development exit bridging loan to a client in just seven days by utilizing desktop valuations. The fast completion time was required to refinance an existing development loan due to expire and were finalised at 75% LTV at a 0.89%pm over eight months.
Key features of Bridging Finance
Our commitments
Attention to detail
We carry out a comprehensive fact find to understand your project and goals. This ensures a strong and comprehensive bridging loan application, informed credit decisions and faster completion.
Service quality
We are a client focused credit broker. We approach lenders offering the best bridging loan terms for your project, liaise with all parties throughout and support you from application to completion.
Integrity
As an FCA regulated credit broker, we follow strict guidelines and procedures to ensure out customers are treated fairly and that we act professionally at all times in the interest of our clients.
Complete service
We can assist with the refinancing of the bridging loan onto a lower cost traditional development or BTL loan following repayment.