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Bridging Loans

we lend From £100,000 to £1.5m


Bridging Loans are also known as short term loans and were traditionally used to enable people to buy property at auction. Quite often, auction property is not only uninhabitable, it is also unmortgageable so the only way someone would buy a property at auction was if they had cash.

Not any more.

Bridging loans are used all the time…To buy property at auction is just one aspect of their uses but borrowers also use them to buy land that hasn’t yet got planning permission, buy a house below market value (BMV), buy a farm, office, warehouse or even a hotel that a traditional mortgage lender wouldn’t lend on.

NB: If you are looking for a bridging loan for property development, visit this page

The other thing to note about a bridging loan is that they allow people with poor credit to get a mortgage. Unlike a traditional residential mortgage (which most banks and building societies offer), a bridging loan is really all about the asset…The security as it is known.

This security, in the form of land or a building, is what lenders will base their lending decision on…Not the borrower.

The last thing to note is that Natwest, Barclays and other high street banks do not offer bridging loans.

Breeze Capital Chester

We are the ‘goto’ lender for property professionals throughout the UK looking to fund residential, commercial & industrial property.


  • No broker fees
  • Heads of Terms produced within 4 hours of your enquiry
  • Bridging Loans from £100,000 to £1.5m
  • Loans available on residential, commercial and industrial properties
  • Industrial units and industrial estates in England & Wales
  • Land with planning up to 60% LTV
  • Bridging loans up to 75% LTV
  • Interest can be rolled up (paid at the end when you sell or refinance the property), deducted from the initial loan or serviced (paid monthly)
  • Loan terms from 3 months to 18 months
  • Portfolio bridging available if you have a number of properties that need refinancing
  • Modular construction finance
  • Bespoke, speedy service for large bridging loans above £1m

Apply for a bridging loan today

Recently completed loans

HMO conversion in Handbridge Chester City Centre

HMO conversion in Handbridge, Nr Chester City Centre

£626k Bridging Loan
59% LTV
Rate of 0.92% pm
No exit fee

House refurbishment in Llandudno, North Wales

House refurbishment in Llandudno, North Wales

£445k Bridging Loan
62% LTV
Rate of 0.95% pm
0.5% exit fee

Office to residential conversion in Tarporley, Cheshire

Office to residential conversion in Tarporley, Cheshire

£912k Bridge Loan 
70% LTV
Rate of 0.79% pm
0.5% exit fee

Apply for a bridging loan now


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