Bridging finance moves at a different pace. Decisions in days. Completions possible within weeks. The difference between securing the deal and losing it is often a broker who knows exactly which lender to call — and how to package the case to get a fast answer.
In bridging finance, the lender matters less than
the broker who knows where to go.
Bridging lenders are not interchangeable. Appetite, speed, security requirements, exit strategy tolerance, and maximum LTV vary enormously between providers — and the market moves fast. Knowing which lender will look at your case favourably, and being able to present it correctly from the outset, is what separates a completion from a failure.
As an independent, whole-of-market broker, we access the full range of regulated and unregulated bridging lenders — including specialist providers not available through comparison sites. We assess your deal, match it to the right lender, and move immediately. No delay waiting for the wrong lender to decline.
"In bridging, speed is everything — but speed without the right lender is just a fast path to the wrong outcome. The two have to go together."
Auction purchases require completion within 28 days of the fall of the hammer. Standard mortgage timelines don't work. Bridging finance is the established solution — and we have the lender relationships to make it happen within your deadline.
We assess the property, the exit strategy, and your profile before approaching any lender — to ensure the first call gets the right answer.
When a property chain collapses, bridging finance can allow you to complete on your purchase without waiting for your sale to proceed — protecting the deal and avoiding the loss of your new home. The bridge is repaid when your property sells.
We structure the bridge to align with a realistic sale timeline and ensure the exit is clean before any funds are released.
Properties that don't meet standard mortgage lender criteria — due to condition, missing kitchen or bathroom, or structural works required — are ideal for bridging. Buy, refurbish, then refinance onto a standard BTL or residential mortgage at the improved value.
We structure the bridge around the refurbishment timeline and arrange the exit mortgage simultaneously wherever possible.
When a development is complete but sales or lettings are taking longer than expected, development finance rates become expensive. A bridging exit loan provides cheaper, more flexible short-term finance while the units sell or the long-term refinance is arranged.
We assess the completed development value, the exit strategy, and the remaining timeline to find the most cost-effective solution.
Motivated sellers, below-market-value opportunities, and time-sensitive acquisitions all require a buyer who can move faster than the standard mortgage process allows. Bridging finance gives you the speed to compete with cash buyers — without tying up your own capital.
We move immediately — same-day lender calls, credit committee submissions within 24 hours for the right case.
Purchasing a property with the intention of applying for planning permission — and refinancing at the enhanced value once approved — is an established bridging strategy. The bridge funds the acquisition while the planning process proceeds.
We work with lenders experienced in planning gain cases and structure the exit to align with realistic planning timelines.
"The broker who wins bridging deals isn't the one who finds the cheapest rate. It's the one who knows which lender will say yes today — and gets on the phone before anyone else does."Nathan Lawes — Director & Principal Adviser, Lawes Financial
Bridging finance moves at a different speed to everything else in property finance. Here is how a bridging case actually works — from initial assessment to funds in place.
Before approaching any lender, we need to understand your deal completely — the property, the purchase price or value, your exit strategy, and the timeline.
We identify the right lender for your specific case — based on speed, appetite, and terms — and submit a fully packaged application immediately.
Legal completion, funds transfer, and the deal is done. We remain available throughout the bridge term and manage the exit when you're ready.
The questions we're asked most often about bridging finance — answered without jargon or unnecessary complexity.
Bridging decisions are made fast. Tell us about your situation — the property, the timeline, the exit — and we'll give you an honest assessment within hours. Every conversation is with Nathan personally.
FCA regulated · Whole-of-market · Independent advice