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:

Individuals, self-employed, Limited companies, SPV’s, LLPs, Foreign Nationals, Non-UK residents, Complex Structures and Trusts.

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

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

Money can be in your bank account within 5-7 days

Asset based lending with less strict lending criteria

Pragmatic, fast and efficient decision making

No early repayment charges on bridging loans

Terms up to 24 months

Rates from 0.54%

Non-status lending available

Light to heavy refurbishments possible

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.


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.

Contact us to discuss your borrowing requirements

Call us on 020 8988 1102 

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