Securing the right short-term property finance can determine whether a deal moves forward or stalls. Whether funding a property auction, covering renovation costs, or solving a temporary liquidity gap, working with a dependable broker makes the process far more manageable. Bridging finance remains a popular tool for investors and homeowners seeking agility.
Below is a breakdown of 10 most trusted bridging loan brokers in the UK, known for efficient delivery and consistent results.
What Are Bridging Loans?
Bridging loans are short-term financial products used to cover temporary funding gaps, particularly in property transactions. They allow borrowers to access capital quickly, often to secure a property purchase before longer-term finance is arranged or an existing asset is sold.
These loans are usually secured against residential, commercial, or mixed-use properties, with funding available in a matter of days rather than weeks. When discussing what are bridging loans in practical terms, they’re best described as solutions for time-sensitive scenarios – buying at auction, renovating for resale, or breaking a property chain.
1. KIS Finance
Headquarters: Cullompton
KIS Finance is an independent finance brokerage with a focus on competitive property finance solutions. Operating seven days a week, the firm emphasizes fast communication and a straightforward process from enquiry to completion. Its lending panel includes mainstream and specialist providers, allowing clients access to high loan-to-value (LTV) products and flexible underwriting criteria. The company does not charge broker fees and supports a wide range of loan sizes, from private residential bridging loans to large-scale commercial transactions.
Loan amount: £50,000 to £500 million
Interest rate: From 0.4% per month (indicative)
Pros:
- No broker fees
- Fastest bridging loans
- High maximum loan size
- Available 7 days a week
Cons:
- Not a direct lender
2. The Loans Engine
Headquarters: Watford
The Loans Engine is a specialist broker with nearly four decades of experience in the UK finance sector. It focuses on placing loans for a wide variety of credit profiles, from mainstream to non-standard cases. The firm compares multiple lenders to match clients with appropriate offers, covering residential and investment properties. Their longevity and process-driven model contribute to consistent results for borrowers needing quick financing options.
Loan amount: £50,000 to £50 million
Interest rate: Varies by lender
Pros:
- Longstanding presence
- Accepts varied credit histories
- Strong lender network
Cons:
- Less individualised service compared to smaller firms
3. Cornerstone Finance
Headquarters: Cardiff, Wales
Cornerstone Finance operates across property and commercial finance sectors, offering a suite of solutions that include bridging loans, mortgages, and business funding. The company is known for combining advisory depth with fast execution. It employs a multi-specialist team that serves both individual clients and corporate partners. In some cases, the firm can structure up to 100% of the loan-to-cost, depending on asset value and exit strategy.
Loan amount: Case-by-case basis
Interest rate: Varies depending on terms and security
Pros:
- High LTV options
- Competitive rates
- Wide-ranging financial expertise
Cons:
- Limited nationwide visibility
4. Fox Davidson
Headquarters: Bristol
Fox Davidson is a boutique mortgage and bridging finance broker known for handling complex cases with care and efficiency. Its team serves clients ranging from first-time buyers to professional developers. The firm arranges bridging loans for both regulated and unregulated transactions, covering residential and commercial properties. Loan processing typically includes a decision in principle within 48 hours, with funds released between 7 to 10 working days. They focus on structured finance that supports development and portfolio expansion.
Loan amount: Based on asset and deal structure
Interest rate: From 0.4% per month (indicative)
Pros:
- Award-winning brokerage
- Transparent timelines
- Strong focus on property professionals
Cons:
- Less focus on rapid 24-hour completions
5. Shawbrook
Headquarters: Brentwood
Shawbrook is a specialist UK bank offering structured property finance, including short-term bridging loans. The lender supports both residential and commercial transactions, with a strong emphasis on tailored lending packages for time-sensitive opportunities such as auctions, refurbishments, or conversions. Borrowers can choose between rolled-up or monthly interest options, and fixed rates are available for greater predictability. For loans exceeding £2.5 million, a dedicated Structured Real Estate team provides hands-on case management. Shawbrook’s product flexibility extends across varied property types, including HMOs and mixed-use buildings.
Loan amount: £50,000 to £25 million
Interest rate: From 0.79% per month
Pros:
- Up to 85% LTV
- No early repayment charges
- Fixed rates and fees
Cons:
- Premium service tier only applies to loans above £2.5 million
6. Articus Finance
Headquarters: London
Articus Finance is a boutique finance brokerage that focuses on high-value transactions for clients with UK and global assets. The firm is based in London and specialises in securing complex financing for high-net-worth individuals, including expats and foreign nationals. Its bridging finance services cover regulated and unregulated products, with an emphasis on flexibility and speed. Articus operates with a compact, experienced team capable of navigating non-standard requirements with discretion and precision. Their lending network includes private banks and specialist institutions.
Loan amount: Based on asset and borrower profile
Interest rate: Varies according to loan structure
Pros:
- Supports international borrowers
- Access to bespoke lending facilities
- Discreet and experienced advisory team
Cons:
- Exclusivity may limit suitability for mainstream clients
7. Vibe Finance
Headquarters: Lee-on-the-Solent
Vibe Finance is a specialist mortgage brokerage focused on bridging and development finance for residential and commercial property projects. With over a decade of direct experience working for specialist lenders, the team brings deep operational insight into how cases move from enquiry to completion. Their internal processes are designed for efficiency, making them particularly strong in navigating lender expectations and reducing delays. Vibe works with landlords, developers, and property investors seeking competitive terms and consistent delivery.
Loan amount: Defined case-by-case
Interest rate: Dependent on loan profile and lender
Pros:
- Strong lender-side knowledge
- Fast turnaround from enquiry to completion
- Focused on property investment finance
Cons:
- Not positioned for entry-level borrowers
8. Pinnacle
Headquarters: Leigh-on-Sea
Pinnacle offers independent mortgage and bridging loan advice with unrestricted access to the UK lender market. The firm supports a range of scenarios, including expat borrowing, foreign currency income, portfolio lending, and high-net-worth clients. The bridging loan brokers team handles non-standard applications with care, conducting thorough affordability assessments and securing suitable finance for property purchases and short-term lending needs. Their independent status allows them to identify competitive structures across a wide panel of bridging loan brokers.
Loan amount: Based on affordability and lending criteria
Interest rate: Tailored to each application
Pros:
- Whole-of-market access
- Strong advisory for complex financial backgrounds
- No lender restrictions
Cons:
- Loan values and terms vary widely depending on lender
9. Fluent Money
Headquarters: Horwich
Fluent Money is a digital-first loan broker offering bridging loans through a large network of UK lenders. Known for its technology-driven process, Fluent allows clients to track loan progress via a mobile app. The company has built a strong reputation for transparent communication and high customer satisfaction ratings. It operates with a dedicated team trained to match borrowers with products aligned to their property financing needs, often under tight deadlines.
Loan amount: Varies by lender
Interest rate: Based on product and credit profile
Pros:
- Real-time loan tracking via app
- Consistently high customer service ratings
- Broad lender panel
Cons:
- Less suited to bespoke or niche lending cases
10. Norton Finance
Headquarters: Rotherham
Norton Finance is one of the UK’s most established finance brokers, active for over four decades. The firm arranges both secured and unsecured loans, including bridging finance, and provides access to a large portfolio of lenders. Norton focuses on clear, jargon-free service with flexible loan structures. Its team supports a wide demographic, including clients with adverse credit or unconventional income. Norton’s reputation is underpinned by industry awards and strong customer feedback across independent platforms.
Loan amount: £3,000 to £500,000
Interest rate: Competitive fixed or variable rates
Pros:
- Wide lending panel
- Terms up to 30 years
- No impact on credit score from eligibility check
Cons:
- Upper loan limit is modest compared to large-scale lenders
Final Thoughts
The quality of service and depth of expertise vary significantly across bridging loan brokers. Choosing a broker who understands both the financial landscape and the logistics of property transactions can prevent delays and costly missteps. All 10 firms in this review bring distinct strengths – from expansive lender panels to personalised underwriting support.
As the demand for flexible property funding continues to grow, so does the value of working with brokers who move quickly without cutting corners. Reliable execution, clear communication, and suitable terms – that’s what sets these firms apart.
In the high-stakes world of short-term property finance, you want more than just access to money. You want a team that knows what they’re doing, moves fast, and gets deals done.
