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Bridging Loans in London

Learn about regulated and unregulated bridging finance serving London and Greater London businesses. Matching begins after you apply; a soft credit check may be used for matching.

50+ UK lenders through Fundably
3+ months trading
UK limited companies only
Monthly revenue required

Rates

From 0.4%/month

Regulated and unregulated

Amounts

£25k - £25M

Speed

3-14 days

London

1.1M

businesses

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For UK limited companies with 3+ months’ trading and monthly revenue.

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Bridging Loans explained

A bridging loan is short-term secured finance designed to bridge a financial gap, most commonly between buying a new property and selling an existing one. They are secured against property or land and repaid as a lump sum, typically within 1-18 months.

How bridging loans works

You apply with details of the property being used as security and your exit strategy (how you will repay). The lender values the property, makes an offer, and if you accept, funds can be released within days. Interest is usually rolled up and repaid at the end rather than paid monthly.

Bridging Loans options in London

Regulated Bridging

For property you or your family will live in. FCA regulated with consumer protections. Rates from 0.4%/month.

Unregulated Bridging

For investment or commercial property. Faster, more flexible, fewer restrictions. Rates from 0.45%/month.

Second Charge Bridging

Sits behind an existing mortgage. Higher rates but preserves your current mortgage deal.

Representative example

Borrow £300,000 at 0.75%/month over 6 months. Total repayable: ~£317,500. Your rate depends on your circumstances.

Ready to compare bridging loans in London?

For UK limited companies with 3+ months’ trading and monthly revenue.

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Common uses for bridging loans in London

Bridging Loans for London businesses

London is the UK's largest commercial centre, home to over 1.1 million businesses and generating approximately 23% of the UK's GDP. The city's economy spans financial services in the City and Canary Wharf, technology in Shoreditch and King's Cross, and world-leading creative and media industries across Soho and Southbank. London attracts more foreign direct investment than any other European city, making it a critical hub for businesses seeking access to global capital and talent. With 1.1M registered businesses across Greater London, London has strong demand for competitive bridging loans.

Funding availability depends on the business and finance required in the Greater London area. Whether your London business needs auction property purchases or chain break and house purchase, lenders assess each application individually.

Financial ServicesTechnologyCreative IndustriesProfessional Services

Bridging Loans with bad credit in London

Several specialist lenders on our panel work with London businesses that have imperfect credit histories. Fundably may use a soft credit check for matching, which does not affect your credit score. A hard check may happen if you choose to proceed with a lender. Check your options when you apply.

Explore business funding options through Fundably

For UK limited companies with 3+ months’ trading and monthly revenue.

Check Eligibility

Bridging Loans in London: frequently asked questions

Can I get a bridging loan for property in London?
Yes. Bridging lenders value the property as security, and London properties are well within acceptable lending criteria. Urban properties in London typically achieve higher LTV ratios due to stronger resale values and higher demand.
What are bridging loan rates in London?
Bridging loan rates typically range from 0.4% to 1.5% per month regardless of location. The rate depends on the LTV, property type, and your profile, not your London address. Properties in Greater London with strong resale values often qualify for the most competitive rates.
How fast can I get a bridging loan in London?
Most bridging loans complete within 2-4 weeks, with some lenders able to move in 3-5 days for straightforward cases. London-based solicitors experienced in bridging can help speed up the legal process. The property valuation is usually the main variable.
Can I use a bridging loan to buy at auction in London?
Yes, this is one of the most common uses. Auction purchases require completion within 28 days. A bridging loan can be arranged within this timeline. We recommend getting a Decision in Principle before bidding on any London auction property.
What LTV can I get on London property?
Most bridging lenders offer up to 75-80% LTV on residential property and up to 70% on commercial. London properties with strong comparable evidence may qualify for the higher end of these ranges.
Do I need an exit strategy for a bridging loan?
Yes. Every bridging lender requires a clear, realistic exit strategy. Common exits include selling a property, refinancing to a standard mortgage, or using funds from another source. The stronger your exit strategy, the better your rate.
Is a bridging loan regulated?
Depends on the property. If you or your family will live in the property, the loan is FCA-regulated with full consumer protections. Investment and commercial property bridging is unregulated, which means faster processing but fewer protections.
How much does a bridging loan cost in total?
A typical bridging loan costs 5-10% of the loan amount in total, depending on the term and rate. This includes monthly interest (0.4-1.5%), arrangement fees (1-2%), valuation (£300-£1,500), and legal fees (£1,500-£3,000). See our bridging loan cost guide for a full breakdown.

Learn more about bridging loans

Auction Property Bridging How Bridging Loans Work Bridging vs Mortgage Best Bridging Lenders

Other finance in London

Asset Finance Business Loans Commercial Mortgages Invoice Finance Development Finance

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For UK limited companies with at least 3 months’ trading and monthly revenue.

Bridging Loans in London

Ltd companies · 3+ months trading · monthly revenue

Check eligibility