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Specialist Bridging Loans in London – Ability Capital

At Ability Capital, we specialise in fast, flexible bridging loans tailored to the dynamic London property market. Whether you’re a developer, investor, or homeowner, our expert team understands the urgency and complexity of securing property finance in the capital. We provide bespoke short-term funding for auction purchases, refurbishment projects, chain breaks, and commercial acquisitions, often completing within 48 hours. With deep local knowledge and a strong network of lenders, we deliver competitive rates and tailored loan structures across residential, commercial, and mixed-use assets. If you need a reliable bridging loan in London, Ability Capital is your trusted finance partner for speed, certainty, and success.

What Is a Bridging Loan?

A bridging loan is a short-term finance solution typically used to “bridge the gap” between the purchase of a new property and the sale of an existing one, or to fund time-sensitive opportunities such as auctions, refurbishments, or development projects.

Unlike traditional mortgages, which can take months to secure, bridging loans can often be arranged within 3 to 14 days. For many developers and investors, that speed is crucial.

How Bridging Loans Work

Bridging loans are short-term property finance solutions designed to “bridge the gap” between the purchase of a new property and the sale of an existing one. Commonly used by property developers, investors, and homeowners, bridging loans provide fast access to capital, often within days, secured against property or land. They are ideal for time-sensitive purchases such as auction properties, chain breaks, or refurbishment projects. Typically, bridging loans run for 6 to 12 months, with interest rolled up or paid monthly. Once long-term finance or sale proceeds become available, the loan is repaid. Bridging finance is a flexible alternative to traditional mortgages, helping borrowers act quickly in competitive UK property markets.

Key Benefits of Choosing Our Bridging Loans in London

Choosing Ability Capital for your bridging loan needs means accessing fast, flexible, and reliable property finance in London and across the UK. At ability-capital.com, clients benefit from a streamlined application process, quick decision-making, and funding solutions tailored to residential, commercial, and hotel properties. With decades of experience in the sector, our expert team provides personalised support and innovative loan structures to help you secure property quickly, bridge funding gaps, or unlock equity. Whether you’re a developer, investor, or broker, Ability Capital delivers trusted bridging loans with speed, transparency, and a deep understanding of the UK property market.

Simple Application Process for Bridging Loans in London

The loan application process involves six stages: selecting the loan type, completing an enquiry form, receiving an indicative offer, instructing professionals, underwriting the loan, and finalising completion.

Stage 1

Select type of loan

Stage 2

Complete enquiry form

Stage 3

Indicative offer released

Stage 4

Instruct Professionals

Stage 5

Loan is underwritten

Stage 6

Loan completes

Frequently Asked Questions About Bridging Loans

Bridging finance is a type of short-term loan used to “bridge” a gap between buying a new property and selling an existing one. It’s commonly used for auction property purchases, quick acquisitions, or when traditional mortgages are delayed. Bridging loans are secured against property and typically repaid within 3–18 months.

To apply for a bridging loan in the UK, you’ll need to provide property details, your exit strategy (how you’ll repay the loan), and ID verification. Most lenders offer online application forms and provide a decision in principle within 24 hours.

Bridging loans are commonly used for:

  • Buying property at auction

  • Funding property renovations

  • Avoiding property chain breaks

  • Refinancing or releasing equity quickly

  • Property development or investment

Bridging loans are available to individuals, property developers, landlords, self-employed professionals, and businesses. You qualify based on the property’s value, your exit strategy, and overall risk—not just your credit score.

Bridging loan interest rates typically range between 0.45% to 1.5% per month, depending on the loan amount, term, property type, and borrower profile. Always compare rates and request a full cost breakdown.

Yes. Many bridging finance lenders offer bad credit bridging loans. Approval is based more on the asset (property) and repayment plan than your credit history. Having a solid exit strategy can improve your chances.

Bridging loans can be approved in as little as 24 to 72 hours, making them ideal for urgent property purchases or auction deadlines. Fast-track service is often available for experienced investors or repeat borrowers.

Most bridging loans have terms of 3 to 18 months. Some lenders offer terms up to 24 months. You repay the loan either by selling a property, refinancing, or another pre-agreed exit.

You can use residential, commercial, buy-to-let, mixed-use properties, or even land (with or without planning permission) as security. The more valuable the property, the higher the loan amount you can access.

  • Regulated bridging loans are used for residential properties you or your family will live in.

  • Unregulated bridging loans are used for business or investment purposes. Most property developers and investors use unregulated loans.

Loan amounts range from £25,000 to over £25 million, depending on the lender, the value of your property, and your exit strategy. Higher-value loans may require more documentation.

Yes. Expect fees such as arrangement fees (1–2%), valuation fees, legal costs, and sometimes exit fees. Make sure your lender provides a transparent breakdown of all bridging finance costs.

While not common, first-time buyers may use bridging loans for property purchases under time constraints, though they’ll need a strong exit strategy and legal advice.

Yes, most lenders allow early repayment of bridging loans. Some may charge interest for a minimum term or require a notice period, so check your loan agreement carefully.

An exit strategy is how you plan to repay the loan, such as:

  • Selling a property

  • Refinancing to a mortgage

  • Receiving funds from another investment

A strong exit strategy improves approval chances and reduces lender risk.

Absolutely. Bridging finance is ideal for property auction purchases, where completion deadlines are tight (usually 28 days). Funds can be released quickly to secure your deal.

While applying may result in a soft or hard credit check, bridging loans don’t typically impact your credit score unless you default. Timely repayment keeps your record in good standing.

Yes. Many lenders offer commercial bridging loans to limited companies, LLPs, and SPVs (Special Purpose Vehicles) for property investments and developments.

Typically required documents include:

  • Proof of ID and address

  • Details of the property used as security

  • Evidence of exit strategy (sale agreement, remortgage DIP, etc.)

  • Business/company information (if applicable)

Bridging finance offers:

  • Faster access to funds

  • Flexible repayment options

  • Less reliance on credit score

  • Ideal for time-sensitive property deals

Apply for a Bridging Loan with Ability Capital – Get Started Today

Ready to start? Contact Ability Capital for a quick consultation and fast indicative terms. We’ll guide you through a simple process to secure your bridging loan.

Apply now >

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* Please note all loan enquiries are handled and processed through our partners Arc & Co.

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LOAN ENQUIRIES
edward@arcandco.com

GENERAL ENQUIRIES
info@ability-capital.com

TEL: 0207 580 1234