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Closing the Gaps in Your Financial Journey.
At Howe Commercial Finance, we take pride in being the architects of these vital bridges, committed to fortifying your financial journey and bridging every gap along the way. With us as your partner, you can traverse the road to success with confidence and reach your destination as planned.
Our expertise encompasses various areas, including:
- Residential Properties: Houses, Flats, HMOs
- Limited Companies
- First Time Landlords
- Portfolio Landlords
- An Accidental Landlord
- Purchasing a Holiday Home
- Buying a House to Rent Out
- and more.
What is Bridging Finance?
Bridging finance is a short-term funding solution designed to "bridge the gap" between your immediate financial needs and a long-term financing plan. These loans are ideal for time-sensitive opportunities, such as property acquisitions, refurbishments, or urgent business requirements. Key features of bridging loans include: Short-term bridging finance terms typically range from 1 to 24 months. Flexible repayment options tailored to your circumstances. Quick access to capital, often within days of application approval. Whether you’re a property investor purchasing at auction or a business owner covering temporary expenses, our expert team provides bridging finance solutions to suit your specific needs. In addition to short-term lending, we also offer access to the Sustainable Development Fundfor businesses seeking to invest in eco-friendly or energy-efficient projects. Our Invoice Financing Solutions help businesses unlock cash tied up in unpaid invoices, improving liquidity and cash flow during transitions. We also assist clients with Acquisition Financing, providing tailored funding options to support business expansion, mergers, and strategic investments.
Property Acquisition
Use bridging finance to acquire new properties or participate in auctions where immediate funding is required.
Flexible Terms
Tailored to your needs, bridging finance can be structured with terms and repayment schedules that align with your specific circumstances.
Seize Opportunity
Capitalise on investment opportunities, secure properties, or fund projects even when long-term financing is pending.
Speedy Access to Funds
Bridging finance offers rapid access to capital, ensuring you can act swiftly when time is of the essence.
At Howe Commercial Finance, we provide bespoke bridging finance solutions to help businesses, property developers, and investors overcome short-term financial challenges. Whether you’re securing a property at auction, funding a renovation, or managing cash flow for your next business venture, our tailored bridging loans ensure you stay on track and achieve your goals. Our services include:
Property Bridging: Secure your dream property with our fast, flexible bridging finance options.
Auction Finance: Gain the upper hand at property auctions by having immediate access to funds.
Business Expansion: Fuel your business growth with bridging finance solutions that let you move quickly.
Chain-Breaking: Avoid delays in property transactions by breaking the chain with bridging finance.
At Howe Commercial Finance, we are dedicated to providing tailored solutions to bridge your financial gaps and propel your success. We proudly serve clients in Derby, Nottingham, Stafford, and Uttoxeter, delivering fast, reliable, and flexible financing options.
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Holistic Approach
Who Can Benefit from Bridging Loans?
Our bridging loans for businesses and property developers are designed to meet a variety of needs, including:
- Property Developers: Covering refurbishment or development costs.
- Investors: Funding quick-turnaround property purchases or auction deals.
- Business Owners: Managing cash flow challenges or seizing new opportunities.
- Landlords: Renovating or improving properties before refinancing or sale.
Whether you’re an entrepreneur, an investor, or a property developer, our tailored bridging finance solutions can help you achieve your objectives.
As experienced bridging finance experts, we are committed to providing fast, flexible, and reliable funding.
Here’s why clients in trust us:
Speed and Efficiency
Our streamlined process ensures you receive funds quickly, often within days.
Tailored Solutions
We customise our bridging loans to meet your specific needs, whether for property or business purposes.
Extensive Network
We partner with trusted lenders to secure competitive rates and terms for your bridging finance needs.
Expert Support
From initial consultation to final disbursement, our team of specialists provides guidance every step of the way.
How Does the Bridging Finance Process Work?
We simplify the process of securing bridging finance to ensure it’s fast, straightforward, and effective:
Initial Consultation: Our team will discuss your requirements and provide tailored advice on your bridging loans options.
Bespoke Proposal: We’ll source the best short-term bridging finance options from our network of trusted lenders, ensuring competitive rates and terms.
Quick Approval: With our efficient process, we aim to have your application reviewed and approved promptly.
Fund Disbursement: Once approved, funds are disbursed quickly to ensure you meet your deadlines and objectives.
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Frequently Asked Questions
Bridging finance is a short-term loan secured against property. You borrow the money, usually for 1-24 months, then repay it either by selling the property, refinancing onto a long-term mortgage, or from another planned source. Interest is usually rolled up and paid at the end, so there’s no monthly payment during the term. It’s built for speed and flexibility, deals can complete in days rather than weeks.
For an auction purchase with a 20-working-day completion deadline, a good broker and a sharp solicitor can get you there comfortably. Some bridging loans can be completed in under two weeks when the paperwork is clean and the property is straightforward. Having the right solicitor is just as important as having the right lender; a slow solicitor can cost you the deal.
Use bridging when speed matters or when the property or situation doesn’t fit a normal mortgage. Common scenarios: auction purchases, unmortgageable properties (short lease, structural issues, no kitchen or bathroom), chain breaks, properties needing refurbishment before they’ll qualify for a mortgage, or urgent business cash needs secured on property. Once the underlying issue is resolved, you exit the bridge onto a standard mortgage.
Get an agreement in principle before the auction, not after. On auction day you exchange and pay a 10% deposit, then you’ve typically got 20-28 working days to complete. That’s not enough time to arrange finance from scratch, which is why auction bidders get their bridging lined up first, then bid with certainty. A broker will arrange the agreement in principle and introduce a solicitor who can actually move at auction pace.
A regulated bridging loan is secured against a property you or a close family member live in, or intend to live in. An unregulated bridging loan is purely for investment or business use. They follow different rules, and the advice process is different. We always make sure you’re in the correct category, getting this wrong causes real problems later.
The exit is how you’ll repay the bridge at the end of the term. The two most common are selling the property or refinancing onto a longer-term mortgage (residential, BTL, or commercial). Lenders want to see a clear, realistic exit before they’ll lend, and we’ll help you plan it from day one. A weak exit is the single most common reason bridging applications get declined.
Bridging rates are usually quoted monthly rather than annually, typically around 0.6% to 1.2% per month depending on the deal. There are also lender arrangement fees, broker fees, valuation fees, and legal costs. Because it’s short-term, the total cost can look high next to a mortgage, but the comparison isn’t fair, bridging is there to unlock a deal that a mortgage can’t. The right question is: does the bridge earn its keep by making the deal happen?
Yes, this is one of the most common uses. You buy a property that’s unmortgageable in its current state (no kitchen, no bathroom, or significant works needed), use bridging to buy it and fund the refurb, then refinance onto a standard mortgage once the property is finished and valued at its new, higher figure. Done well, this is how a lot of property investors grow a portfolio without tying up cash.
In many cases, yes. Bridging lenders are generally more focused on the property, the loan-to-value, and the exit strategy than on personal credit. Adverse credit isn’t an automatic decline. The stronger the security and exit, the less the lender worries about credit history.