What is a bridging loan?
It is designed to be short-term finance based primarily on the value of the property or land that can released extremely quickly.
When might somebody need bridging finance?
Examples of the multitude of uses for bridging finance could include:
- Property development
- Business opportunities
- Chain-breaking
- Auction purchases
- Avoidance of a financial crisis such as repossession or bankruptcy
- Emergency cash release e.g. for tax bills.
How much can normally be raised with bridging finance?
First charge residential bridging: Up to 70% of open market value (up to 100% of purchase price)
Second charge residential bridging: Up to 60% LTV.
Commercial property: Up to 70% of open market value (up to 100% of purchase price)
Land with planning: Negotiable
Our service
If you need short term finance as a bridge between one set of circumstances and another then Stirling Partners Finance will help you identify how this can be achieved. This may involve the use of bridging finance.
Having assessed your objectives we will help you maximise terms and costs during the period of the bridge. This involves having a clear strategy and using our ability to access a wide range of funders.
Why should I use Stirling?
- Expert advice - Bridging finance is usually more expensive than other types of borrowing. Before proceeding with a bridging loan, we will assess if we can meet your needs using a better priced alternative.
- Market-leading terms - There are many bridging loan providers including banks, finance houses and private investors. We have access to these and will advise which provider offers the most competitive terms and best fits your requirements.
- No fees - In most cases we will not charge a fee for arranging a bridging loan as we are paid a commission by the provider.
- Speed - With bridging, time is everything. We use our experience to make sure you get the funding when you need it.
Contact Us
Please contact us to see if we can help on 08700 11 33 22 or by using our contact form.

