Sterling Bridging Finance

Property Finance Specialists – UK & Spain
Bridging, Buy-to-Let & Commercial Funding

Funds £100,000 — £10,000,000+

Same-Day Decision in Principle. Speak to a Specialist

Funds in as little as 3 Days

UK & International Property

£100k to £10 Million Loans

Expert Advisors Available Now

When timing matters, bridging finance provides fast, flexible funding secured against property.

Sterling Bridging Finance arranges bridging loans across the UK, Spain and international property. Whether you are buying at auction, breaking a chain, refinancing development finance, or raising capital quickly, we can help.

Key points

Same-Day Decision in Principle.

Funding available in as little as 3 days

Over 200 mainstream lenders plus Private lenders

AI-Powered Lender Sourcing. Faster. Smarter. More Precise.

1 to 24 month terms

Up to 100% with additional security.

Technology with human oversight

AI-Assisted Lender Sourcing

We use technology to assess case requirements and identify potentially suitable lenders more efficiently. Every recommendation is reviewed by an experienced adviser before it is presented to a client.

Technology-assisted matching. Reviewed by our experienced team.

AI-assisted lender sourcing for UK and Spanish bridging finance cases

UK Property Finance & Spain Introductions

For Spanish property-finance enquiries, Sterling acts solely as an introducer to independent third-party providers. We do not provide lending, Spanish credit broking or financial advice.

Auction Bridging Loans

Complete property purchases within 3 days. We arrange fast auction bridging loans for residential, commercial and refurbishment properties.

Bad Credit Bridging Loans

Bridging lenders focus more on the property than the borrower's credit profile. We can help clients with defaults, CCJs, arrears and complex income.

Unmortgageable Property Bridging

We arrange bridging finance for properties that traditional lenders decline, including:

No kitchen
No bathroom
Structural issues
Short lease
Non-standard construction

Development Exit Finance

We help developers refinance development finance, release capital, and refinance unsold units.

UK bridging loan calculator

See your indicative costs in seconds

Use the calculator freely. You only need to enter contact details if you want the figures emailed or would like a tailored finance review.

United Kingdom calculations only. For property finance in Spain, Sterling acts solely as an introducer to independent third-party providers. Spanish calculator figures are not supported; use the tailored finance form below and select Spain.

Property value

Loan amount

Monthly interest rate — 0.75%

Loan term — 12 months

Interest method

Arrangement fee

% of gross loan

Monthly interest—

Total interest over term—

Arrangement fee—

Total finance cost—

Estimated balance at end—

Gross LTV: —

Rolled-up interest is added to the estimated balance at the end. Starting assumptions are 0.75% monthly interest and a 1% arrangement fee calculated on the gross loan; both are adjustable. This simple-interest calculation is indicative only, not a quote, offer or financial advice. It excludes valuation, legal and any other lender or third-party costs. Actual terms depend on the lender, property and circumstances.

Keep your figures or tell us more No form is required to use the calculator

Call +44 20 8064 1033

Request a tailored finance review

Have a property or transaction in mind? Provide a few extra details and our team will review your requirements and contact you to discuss potentially suitable options. This is not a formal offer or guarantee of finance. Sterling does not handle regulated residential mortgage, regulated bridging or consumer buy-to-let enquiries.

Name

Telephone

Property market

Finance type

Property location

Property type

Property use

Purchase price / current value

Loan required

Existing borrowing secured on the property

Purpose / service required

Preferred completion date

Proposed repayment / exit strategy

Anything else we should know?

For Spanish enquiries, Sterling acts solely as an introducer. We do not provide lending, Spanish credit broking or financial advice. With your permission, we may pass your details to a suitable independent third-party provider.

We use your details to respond to your request and, for Spanish enquiries, to make an introduction where appropriate. See our Privacy Policy.

Case Studies

Property-finance cases handled by the Sterling team.

UK Client

£450,000 bridging loan Property value: £820,000 Completed in 9 days

Spain Client

€375,000 bridging loan Costa Blanca villa Completed in 17 days

More Case Studies

Auction Purchase

£420,000

Development Exit

£1,200,000

Bad Credit Purchase

£280,000

Unmortgageable Property

£310,000

How It Works

Step 1

Submit Enquiry

Provide the property details and your funding requirement.

Step 2

Lender Sourcing

We source suitable specialist lenders and funding options.

Step 3

Funds Released

Once approved, the bridging loan completes and funds are released quickly.

Submit Your Case

Our Services

Finance Solutions Built Around You

Whether you're acquiring residential or commercial property, funding a development project, or need urgent capital release — our specialists structure the right facility for your timeline and goals.

Explore All Services

Residential Bridging Loans

Short-term secured lending against residential property for chain-breaks, auction purchases and refurbishment projects.

From £100k

Commercial Bridging Finance

Flexible facilities for commercial property acquisition, refinancing and refurbishment across England and Wales.

Up to £10M+

Spain & International Property

Cross-border bridging on Spanish and European property, with deep expertise in overseas transaction requirements.

International

Development Finance

Structured funding for ground-up development, conversions and heavy refurbishment from experienced project lenders.

Bespoke

Get Started Today

Ready to Discuss Your Finance Requirements?

Our team of senior specialists is available to discuss your project and provide an indicative quote with no obligation.

Get A Free Quote Call A Specialist

Our Teams

Get in Touch

UK Bridging - London Team

Phone: +44 20 8064 1033

Email: enquiries@sterlingbridgingfinance.com

Spain & International Bridging