UK lenders you should know
Who provides bridging loans? Bridging loans have become an increasingly popular form of short-term finance in the UK, offering a flexible solution for property purchases, developments, auctions, and urgent refinancing. But one of the most common questions our bridging loan solicitors hear is: Who actually provides bridging loans?
In this guide, we’ll explore a wide range of bridging loan lenders in the UK, from high street banks to specialist bridging finance companies. Whether you’re a property developer, landlord, or homeowner, knowing who the key players are can help you choose the right lender for your needs.
High Street Banks Offering Bridging Loans
These lenders tend to offer bridging finance to existing customers and for specific scenarios such as chain breaks or property downsizing:
1. Barclays Bank
Offers bridging-style finance to selected clients, mainly through their wealth management division. These are typically tailored to high-net-worth individuals and are not advertised publicly.
2. HSBC
Provides limited short-term lending solutions through its premier and private banking services. Generally available only to existing clients with strong financial backgrounds.
3. Lloyds Bank
While not a dedicated bridging lender, Lloyds may consider short-term finance in certain cases where customers have significant equity or require chain-break solutions.
4. NatWest
Bridging loans from NatWest are uncommon and usually only available via private banking, with strict eligibility requirements and substantial security.
5. Santander
Does not offer standard bridging loans but may provide short-term finance under specific conditions through internal banking arrangements for existing customers.
Specialist Bridging Loan Lenders
These lenders are dedicated to short-term property finance and tend to have flexible criteria, fast decision-making, and options for borrowers with complex situations or poor credit.
6. Allica Bank
A fast-growing commercial lender known for supporting SMEs with tailored property bridging loans. Allica focuses on businesses needing quick access to capital for growth or asset acquisition.
7. Alternative Bridging
Offers flexible bridging and development finance with loan sizes from £250,000 to £10 million. Known for their hands-on underwriting and bespoke solutions.
8. Aspen Bridging
Provides rapid bridging loans with features such as desktop valuations and dual legal representation. Their fixed-fee pricing and transparent structure appeal to many investors.
9. Black and White Bridging
A straightforward lender with a focus on transparency. They offer bridging and refurbishment loans with a strong emphasis on clear communication and no hidden charges.
10. Bluecroft Finance
Specialises in bespoke bridging and development finance for residential, commercial, and mixed-use properties. Known for their flexible lending approach and personalised service.
11. Charterbank Capital
Offers bridging loans to individuals and companies for land, residential, and commercial projects. Particularly well-regarded for unusual property types and quick completions.
12. Fiduciam
An institutional lender with an international presence, Fiduciam provides cross-border bridging loans. Their structured approach suits borrowers with complex financial arrangements.
13. Funding 365
Offers low-cost bridging loans with flexible terms and no exit fees. Known for competitive pricing and transparent loan structures.
14. Goldentree Financial Services
Established over 20 years ago, Goldentree is one of the longest-standing bridging lenders. Offers fast turnarounds and a personal approach for smaller property deals.
15. Grosvenor Funding
Specialists in complex lending scenarios, including adverse credit, probate delays, and non-standard security. They offer a tailored underwriting process.
16. Hampshire Trust Bank
A well-regarded lender offering bridging, buy-to-let, and development finance. Their products are popular with brokers due to speed and competitive pricing.
17. HFBS (Holme Finance Bridging Solutions)
Niche lender offering loans as low as £5,000. Known for its common-sense lending, fast offers, and willingness to fund unusual circumstances.
18. Hope Capital
Offers residential and commercial bridging loans with flexible criteria. Well known for working with borrowers who have complex backgrounds or tight deadlines.
19. Inhale Capital
A newer entrant to the market focused on agile and adaptive lending. Inhale prides itself on speed and lending against non-standard security.
20. Kuflink
Combines traditional lending with peer-to-peer investment. Offers competitive bridging loans with fast decisions and borrower-friendly terms.
21. Market Financial Solutions (MFS)
One of the most recognised names in the industry. MFS offers both regulated and unregulated bridging loans, often completing within days.
22. MS Lending Group
Offers bridging loans with a strong emphasis on speed—many deals complete in under a week. Great for buyers with fixed deadlines or auction purchases.
23. MT Finance
Award-winning lender with a reputation for fast, no-nonsense bridging loans. Widely used by property investors and brokers for transparent service.
24. Oakbridge Financial Services
Provides development and bridging loans, with a focus on tailored funding for investors and landlords seeking fast access to capital.
25. Octane Capital
Known for their unconventional, “product-less” lending model, offering bespoke terms on each loan. Ideal for borrowers with complex financial needs.
26. Roma Finance
Lender offering a full range of short-term finance options, including buy-to-let, refurbishment, and auction bridging loans. Known for flexible underwriting.
27. ScotLend
Scotland-based lender focused on residential and commercial bridging loans. Offers personal service and deep local knowledge.
28. Shawbrook Bank
A well-known name in specialist finance. Offers structured bridging solutions for residential and semi-commercial properties.
29. StreamBank
Offers a range of short-term finance products including auction, bridging, and refurbishment loans. Known for their fast processing and broker relationships.
30. TFG Capital
Delivers transparent, client-focused bridging finance. Known for relationship-driven lending and hands-on support throughout the application process.
31. United Trust Bank
A respected lender in the specialist finance space, offering regulated and unregulated bridging loans for residential and commercial use.
32. Whitehall Capital
A private bridging lender offering loans from £100,000 up to £10 million. Favoured for high-value, time-sensitive property transactions.
Choosing the Right Bridging Loan Lender
Not all bridging loan lenders are created equal. Some cater specifically to residential buyers, while others specialise in commercial projects, development finance, or borrowers with poor credit.
When selecting a lender, consider:
Speed of processing
Interest rates and fees
Maximum loan-to-value (LTV)
Flexibility of lending criteria
Whether the loan is regulated or unregulated
Working with experienced bridging loan solicitors can ensure that your chosen lender meets both your legal and financial requirements.
Speak to Our Bridging Loan Solicitors for Guidance
At Bridging Loan Lawyers, we work closely with many of the UK’s leading bridging lenders to provide seamless, legally compliant solutions. Whether you’re applying for your first bridging loan or need assistance navigating lender options, our team is here to help.
Call: 0161 249 5087
Email: info@bridgingloanlawyers.co.uk
Let us guide you through the process from start to finish.