Bridging Finance | Quick | Clear | Done.
When speed counts, we’re on it.
No long forms, no delays – just real results.
Call Us – 0808 5013 615
Why Our Customers Use Specialist Bridging...
Chain Break
Specialist bridging finance ensures your dream move isn’t lost when a property chain collapses, giving you the funds to complete on time while the rest of the chain catches up.
Investment Purchase
Investors using bridging loans are able to move quickly on high-yield opportunities, securing properties before competitors while arranging longer-term finance in the background.
Auction Purchase
With tight auction deadlines, bridging finance provides the speed and certainty needed to complete within 28 days, making it the ideal solution for buyers who need rapid access to funds.
Refurb/Rebuild
Bridging loans provide flexible funding for renovations or rebuilds, unlocking the capital needed to add value to a property before refinancing or selling.
Business Purposes
Companies/Entrepreneurs often turn to bridging finance to unlock short-term cash flow, seize growth opportunities, or cover urgent costs while waiting for longer-term funding to come through.
Other reasons our customers choose Specialist Bridging Loans:
Regulated Finance (paying off an existing mortgage) | Unregulated Finance (buy to let or consolidate short-term debt). | Avoiding Reposession | Tax Bills | Probate or Inheritance Issues | Land Purchase (without planning). | Development Exit Finance | Equity Release/Divorce Settlements | Relocation Abroad | Time Sensitive Opportunities
Specialist Service, Personal Touch
Direct access to experts who understand your needs and deliver the right solution.
Speed When It Matters Most
Privately funded loans completed in as little as 48 hours.
Private, Flexible, Reliable
No middlemen, just fast decisions, competitive rates, and a personal approach.
Call Us – 0808 5013 615
Case Studies
Commercial Bridging - Industrial Warehouse, Birmingham
Name: Aisha
Location: Birmingham
Property Type: Industrial warehouse
Purchase Price: £900,000
Deposit: £180,000 (20%)
Bridging Loan: £720,000
Interest Payment: Rolled up (non-serviced)
Term: 9 months
Exit Strategy: Sale of another investment property
Background:
Aisha runs a growing e-commerce fulfilment business and needed to acquire a larger
warehouse in Birmingham to meet increasing demand. She had equity tied up in
another property which was already under offer but not yet sold.
She opted for a non-serviced bridging loan, meaning the interest was rolled up
and added to the loan. This gave her time to sell her other asset and avoid pressure
on cash flow.
The sale completed within six months, allowing her to repay the bridging facility in
full, including accrued interest, without the need for monthly payments during the
term.
Auction Bridging - Leeds
Name: Lewis
Location: Leeds
Property Type: 2-bed terraced house (buy-to-let)
Purchase Price: £230,000
Deposit: £46,000 (20%)
Bridging Loan: £184,000
Interest Payment: Rolled-up (non-serviced)
Term: 6 months
Exit Strategy: Sale post-refurbishment
Background:
Lewis is a property investor who bought a terraced house at auction in Leeds. The
property was dated but structurally sound, requiring a cosmetic refurbishment of
around £15,000.
He used a bridging loan with rolled-up interest to meet the 28-day auction
deadline. No monthly payments were required, as all interest was deducted from the
gross loan.
Within five months, Lewis completed the refurb and listed the property for sale at
£290,000. It sold quickly, providing enough profit to cover the interest, legal fees, and
a margin.
Auction Bridging (Serviced Interest) - Liverpool
Name: Priya
Location: Liverpool
Property Type: Mixed-use (shop with flats above)
Purchase Price: £375,000
Deposit: £75,000 (20%)
Bridging Loan: £300,000
Interest Payment: Serviced monthly
Term: 9 months
Exit Strategy: Refinance onto semi-commercial mortgage
Background:
Priya is a semi-professional investor who purchased a mixed-use building in
Liverpool at auction. The ground floor was a vacant retail unit, and the upper floors
contained two flats needing refurbishment.
She serviced the interest monthly (approx. £3,150/month) to avoid increasing the
loan balance. This also improved her ability to refinance by maintaining a lower debt-
to-value ratio.
Once the flats were refurbished and let, and the retail unit had a short-term tenant,
she refinanced the property at a valuation of £425,000 using a semi-commercial
mortgage product.
Chain Break Bridging (Non-Serviced Interest) - Bristol
Name: Mark and Emma
Location: Bristol
Property Type: Detached family home
Purchase Price: £600,000
Deposit: £120,000 (20%)
Bridging Loan: £480,000
Interest Payment: Rolled up (non-serviced)
Term: 6 months
Exit Strategy: Sale of existing home
Background:
Mark and Emma were purchasing their dream family home in Bristol, but their
onward buyer pulled out at the last minute, breaking the chain. Rather than lose the
property, they opted for a bridging loan secured against both homes.
They borrowed £480,000 with rolled-up interest, allowing them to complete the
purchase without needing monthly payments. Their current home was back on the
market and sold within four months.
The proceeds from that sale were used to repay the bridging loan in full, including
interest and fees.
Residential Bridging (Serviced Interest) - Surrey
Name: Charlotte
Location: Surrey
Property Type: Large detached residence
Purchase Price: £1,250,000
Deposit: £375,000 (30%)
Bridging Loan: £875,000
Interest Payment: Serviced monthly
Term: 12 months
Exit Strategy: Refinance following divorce settlement
Background:
Charlotte was going through a divorce and needed to purchase a new property in
Surrey before her financial settlement was finalised.
She had the deposit available but needed to bridge the remaining funds until the
settlement concluded. She opted to service the interest monthly, around £8,000,
to protect equity and keep her final refinancing balance lower.
Twelve months later, her divorce settlement was finalised, and she refinanced onto a
standard residential mortgage.
Logistics business Downsized with Bridging Finance
Property Type: Commercial Unit
Purchase Price: £3.5 million
Bridging Loan: £3.5 million
Interest Payment: Serviced monthly
Term: 12 months
Exit Strategy: Sale of existing commercial unit
A logistics business recently downsized to a more suitable commercial unit and
required a £3.5 million bridging loan to complete the sale.
The loan was secured against their existing, fully owned depot, allowing them to buy
the new unit immediately – without the need to sell first. It was set up over 12
months, with monthly interest payments made throughout.
This gave them time to move operations smoothly, prepare the old site for sale, and
avoid any pressure to rush the process. The original depot was sold within six
months, and the sale proceeds were used to repay the loan in full.
2 Bed Terraced, Auction, Stockport
Property Type: 2 bed terraced house
Auction Price: £ 135,000
Deposit: £30,000
Bridge Loan: £105,000
Interest Payment: Rolled up
Term: 12 Months
Exit Sale Post Refurb
Inspired by Homes Under the Hammer, Will decided to use his savings and pre-approved finance of £150,000 to take his first step on the development ladder. He purchased a tired two-bedroom end-terrace in Stockport and set about a full refurbishment.
The project included a rear extension under permitted development rights, a reconfiguration from two to three bedrooms, and a complete modernisation. Within a few months, the house was transformed into an attractive first-time buyer home.
Refurbishment costs were under £30,000, bringing the total spend to about £170,000. The property sold for over £250,000 before the sale board even went up. Since then, Will has become a repeat customer, now working with us on several more projects.
Our Customers
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Bridging Finance. Fast. Simple. Sorted.
When speed matters, we deliver.
No long forms, no bots – just real solutions.
At Specialist Bridging, time is money. That’s why we cut the faff with quick decisions, direct conversations, and private funding ready to go. Backed by 20+ years of experience, our in-house team makes bridging fast, flexible, and stress-free, – so you get the funds you need, exactly when you need them.
Call Us – 0808 5013 615
Company info:
Specialist Bridging is a trading style of Pure Financial Solutions Limited registered in England and Wales, company number 04037714. Pure Financial Solution Limited’s registered office is Redruth House, Cornwall Business Park West, Scorrier, Redruth, TR16 5EZ
Pure Financial Solutions Limited is authorised and regulated by the Financial Conduct Authority under registration 712612. Details of our FCA permissions can be found on the FCA register www.fca.org.uk. Pure Financial Solutions Limited are a registered data processor and controller with the Information Commissioners Office under registration number Z6619654. See our privacy policy for more information about how we process your data.
Risk warning:
Not all bridging loans are regulated by the Financial Conduct Authority. We will explain which options are regulated or unregulated depending on your circumstances.
Pure Financial Solutions Limited is a credit broker and not a lender. Lender fees may apply. Any fees are subject to status and product. We never ask for an upfront fee. Pure Financial Solutions Limited may also receive a commission from a product provider once you receive your product. Pure Financial Solutions Limited is completely transparent throughout the application process of any fees associated with any product.