Unregulated UK property finance
UK Bridging Loans
Short-term property finance for purchases, refinancing and capital raising
Bridging finance can provide a short-term route when a property transaction cannot wait for conventional funding. Sterling assesses the property, purpose, timetable and proposed exit before approaching potentially suitable specialist lenders.
When a bridge may help
- Auction and time-sensitive purchases
- Buying before another property sale completes
- Refinancing an existing facility
- Refurbishment before sale or longer-term finance
- Raising capital against investment or commercial property
Why use Sterling
We understand complex property cases, identify likely obstacles early and present a clear requirement to appropriate UK lenders. That can reduce unsuitable approaches and keep valuation, legal work and the exit plan aligned.
What lenders assess
The property, current and proposed value, loan purpose, borrower experience, credit history, supporting documents and a credible repayment route all affect availability and terms.
For a completed or near-complete scheme with existing development borrowing, see our development exit finance assessment guide.
Discuss a UK bridging requirement
Tell us about the property, amount required, deadline and intended repayment route for an initial assessment.
Common Questions
Timing depends on valuation, legal work, lender requirements and how quickly complete information is supplied. Sterling will identify the critical path at the outset.
A clear exit is essential. Common routes include sale of the property, refinance to longer-term borrowing or repayment from another documented source.
Potentially. The effect depends on the circumstances, property, exit strategy and lender criteria. Full disclosure is important.
No. Sterling does not handle regulated residential mortgage, regulated bridging or consumer buy-to-let enquiries.