Bridging & Development Loans in Bexley

🚧 Bridging & Development Loans in Bexley

Flexible Short-Term Finance for Property Projects

Need fast funding to secure a property, start a refurbishment, or bridge the gap between purchases? Bridging loans and development finance offer flexible, short-term solutions — and we support clients across Bexley through the entire process.

Whether you’re buying at auction, renovating a home, or funding a new-build project, we can help you explore your options and move quickly.

🏠 What Is a Bridging Loan?

A bridging loan is a short-term loan secured against property or land, often used when traditional finance isn’t suitable or fast enough. It “bridges” the gap between buying and selling — or provides upfront capital for time-sensitive purchases or works.

Terms typically range from 3 to 18 months, with interest paid monthly or rolled up to the end of the term.

🏗️ What Is Development Finance?

Development finance is used to fund ground-up construction, conversions, or large-scale refurbishments. The lender releases funds in stages as the project progresses, based on surveyor sign-offs and project milestones.

It’s ideal for builders, developers, and experienced investors working on residential or mixed-use projects in and around Bexley.

💷 Common Bridging Loan Uses

• Buying at auction
• Refurbishing a buy-to-let before refinancing
• Breaking a property chain
• Funding a property purchase before your current home sells
• Raising capital secured against property

📈 What Do Lenders Look For?

Lenders assess:

• Property value (both current and future)
• Exit strategy (e.g. sale or remortgage)
• Loan-to-value ratio (typically up to 75%)
• Borrower experience (especially for development finance)

We help you prepare a clear plan and exit route to improve your chances of securing funding at the best available terms.

📍 Local Knowledge in Bexley

We understand the South East London property market and support developers and investors across Bexley, Sidcup, Welling, and surrounding areas. Whether you’re a seasoned builder or securing your first project, we’ll help you navigate the process confidently.

✅ What We Offer

We do not provide FCA-regulated advice but take your enquiry seriously. Once we understand your project, we’ll connect you with trusted brokers and lenders who specialise in bridging and development finance.

📞 Start Your Bridging Loan Enquiry

To discuss your project, contact us today or use our mortgage calculator to explore potential borrowing amounts.

💬 Frequently Asked Questions (FAQ)

How quickly can a bridging loan be arranged?

Some bridging lenders can complete in as little as 5–10 days, depending on valuation and legal work.

Do I need an exit strategy?

Yes — all bridging lenders require a clear repayment plan, such as a sale or remortgage once works are completed.

What interest rates can I expect?

Rates vary depending on loan size, term, and risk profile — typically between 0.5% to 1.2% per month.

Can I use bridging finance as a homeowner?

Yes — bridging can be used to secure a new home before selling your current one, or to release equity short-term. Consumer regulations may apply in these cases.