If you’re in the UK property market you know timing is everything. Bridging loans give you access to funds fast so you can secure a deal, complete a purchase or cover a short gap before long term finance is in place. In 2025 borrowers want more than just quick cash, they want lenders with competitive rates, straight talking and reliable service.
To help you make an informed choice we’ve reviewed the top bridging loan providers this year. KIS Finance comes top for speed, independence and customer focus but the other firms on this list have their own strengths depending on your needs.
We built this list using independent research and client feedback, paying close attention to how fast providers approve and complete loans, how flexible they are with complex cases, their reputation in the industry, the range of products they offer, and the quality of their customer support. Only UK providers that consistently deliver on these points earned a place in the ranking.
| Agency Name | Key Features | Pros / Cons | Rating |
| KIS Finance | Fast approval, no broker fees, 7-day service, loans £50k–£500m, UK specialists | + Rapid process, broad funding panel, tailored options
– Not for non-UK borrowers |
5.0 |
| Market Financial Solutions (MFS) | Bespoke loans, 3-day completion, up to £4m, dedicated support | + Custom terms, flexible for complex needs
– Minimum loan size restrictions |
4.7 |
| LendInvest | Tech-driven, high LTV up to 85%, up to £30m | + Speedy digital approvals, wide product range
– Tech-first process may require support |
4.6 |
| Octopus Real Estate | Commercial & residential, loans £50k–£25m | + Broad market reach, flexible offering
– Focused on mid-high value loans |
4.5 |
KIS Finance
Year founded: 2008
Founder: Neil AndrewsHQ Location: Cullompton, UK
LinkedIn: https://www.linkedin.com/company/kis-finance/
KIS Finance are one of the UK’s most trusted independent finance brokers. Based in Devon but operating nationwide since 2008. They specialise in bridging loans, development finance and commercial mortgages with a wide lender panel to match borrowers with the right deal.
What sets them apart is speed and personal service. They are open 7 days a week, no broker fees and no pressure. They give clients clear options and that’s why they are popular with property investors and developers who need certainty and quick access to funds, one of the top bridging loan providers in the market.
Why choose KIS Finance?
If you want a fast, tailored solution with transparent terms, they remain the strongest recommendation in 2025.
Market Financial Solutions (MFS)
Year founded: 2006
Founder: Paresh Raja
HQ Location: 46 Hertford Street, Mayfair, London, UK
LinkedIn: https://www.linkedin.com/company/market-financial-solutions/?originalSubdomain=uk
Operating out of London since 2006, Market Financial Solutions is known for taking on complex cases. They specialise in bridging loans and buy-to-let finance, often stepping in when mainstream lenders can’t move quickly enough.
Their strength lies in flexibility. MFS offers bespoke terms and has a track record of completing deals in as little as three days. They’re a reliable option for landlords, investors, and brokers who need creative solutions and dedicated support.
Why choose MFS?
They shine when the deal is complicated, time-sensitive, or larger in scale.
LendInvest
Year founded: 2008
Founder: Christian Faes and Ian Thomas
HQ Location: London, UK
LinkedIn: https://www.linkedin.com/company/lendinvest/?originalSubdomain=uk
LendInvest combines property finance with fintech innovation. Founded in 2008, they’ve grown into one of the UK’s biggest digital lenders. Their online platform makes it possible to secure bridging loans, buy-to-let finance, and development funding with far less paperwork than traditional lenders.
With high loan-to-value ratios of up to 85% and loan sizes up to £30 million, they’re well suited to developers and larger investors. Their tech-first approach means decisions can be made quickly, though some clients may prefer more hands-on support.
Why choose LendInvest?
If you’re comfortable with digital applications and want a wide product range with rapid turnaround, they’re a strong choice.
Octopus Real Estate
Year founded: 2000 (Octopus Group), property arm established 2009
Founder: Simon Rogerson (Octopus Group)
HQ Location: London, UK
LinkedIn: https://www.linkedin.com/company/octopus-real-estate/?originalSubdomain=uk
Octopus has been active in the UK finance market since 2000 and is part of the wider Octopus Group. Their offering covers both commercial and residential property finance, with bridging loans ranging from £50,000 to £25 million.
They’re known for versatility, serving both private clients and institutional investors. While they lean toward mid- and high-value loans, their established reputation and broad reach make them a dependable option.
Why choose Octopus?
They’re a safe bet if you’re looking for a well-established lender with the ability to handle both small and large property deals.
Why KIS Finance Comes Out on Top
All four of these providers bring something valuable to the table, but KIS Finance stands out because of its mix of speed, independence, and personal service. With no broker fees and access to a wide lender network, they make bridging loans straightforward for UK clients. For anyone looking to move quickly in 2025, they’re the first name to consider.
FAQ
What is a bridging loan provider?
Think of a bridging loan provider as a short-term finance partner. They step in when you need money fast, whether that’s to secure a property before your current one sells or to fund a project with tight deadlines. The best ones move quickly and keep the process clear and stress-free.
What should I look for when comparing providers?
Speed is a big one, but it’s not the only thing. Check how experienced they are with tricky cases, the loan sizes they can handle, and whether they’ve got a good reputation for being upfront and transparent.
Can I get a bridging loan with bad credit?
In many cases, yes. Some providers care more about the property and your exit strategy than your past credit history. KIS Finance, for instance, works with plenty of clients who don’t tick every box on their credit report.
How quickly can funds be released?
It really comes down to how fast the provider works and how quickly you can get your paperwork and valuation sorted. In many cases, funds are released in about five days, which is fast enough to secure a property deal or cover a short-term gap without the stress of waiting around.
Are bridging loan providers regulated?
Most of the top names are regulated by the Financial Conduct Authority (FCA) for at least part of their work. It’s always worth checking a provider’s FCA status before moving forward.
