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Fastest Finance Product

Bridging Loans — speed when it matters

Short-term secured lending that moves at your pace. Auction deadlines, chain breaks, renovation projects — Glender matches you with the right bridging lender in minutes, not weeks. Your Generous Lender has your back.

Apply for Bridging Finance → Learn more

0.39%

Rates from (per month)

80%

LTV up to

1–36

Term (months)

5–14

Days to completion

Understanding Bridging

What is a bridging loan?

A bridging loan is a short-term secured loan designed to "bridge" the gap between a property purchase and longer-term financing or sale. They are secured against property and typically last from one to thirty-six months.

Whether you are buying at auction and need to complete in twenty-eight days, breaking a property chain, or funding renovations before refinancing — bridging finance gives you the speed and flexibility that traditional mortgages cannot match. The Global Lender network means you get the best rates from lenders competing for your business.

✓ First and second charge options available
✓ Residential, commercial, and mixed-use property
✓ Interest rolled up — no monthly payments
✓ Loans from £50,000 to £25,000,000
✓ Individuals, SPVs, and limited companies

Common Use Cases

Auction Purchases

Complete within 28-day auction deadlines with certainty

Chain Breaks

Secure your purchase without waiting for your sale to complete

Refurbish & Refinance

Buy, add value, then remortgage onto a long-term product

Unmortgageable Property

Finance properties that high-street lenders decline

Why Glender

Key features

Your Generous Lender ensures you get the most competitive bridging terms from across the entire market.

⚡

Lightning Completion

Completions in as fast as five working days. Our AI-powered matching and pre-approved lender panel mean you are not waiting weeks for a decision.

📈

Competitive Rates

Rates from just 0.39% per month. Lenders on the Glender panel compete for your deal, driving rates down and terms up.

💰

Rolled-Up Interest

No monthly repayments required. Interest is added to the loan and settled when the bridge is redeemed — keeping your cash flow intact.

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All Property Types

Residential, commercial, mixed-use, land, and even semi-derelict properties. If it has value, Glender can find a lender for it.

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Flexible Borrowers

Individuals, partnerships, limited companies, SPVs, offshore entities, and trusts. We work with all borrower structures and credit profiles.

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Global Lender Network

Access a worldwide panel of bridging lenders through The Global Lender network. More competition means better terms for you.

How It Works

Four steps to funded

From enquiry to completion in as little as five days. Glender handles the heavy lifting.

Tell Us About Your Deal

Complete our 2-minute application. Property details, loan amount, and exit strategy.

AI-Powered Matching

Glender analyses your deal across 100+ lender criteria and returns the best matches instantly.

Compare & Accept

Review live terms from competing lenders. Choose the offer that works for your project.

Completion

Solicitors instructed, valuation booked, funds released. Typical completion in 5-14 days.

Eligibility

Who can apply?

Bridging finance is available to a wide range of borrowers. Unlike high-street mortgage applications, the focus is on the property and the exit strategy rather than personal income. Your Generous Lender works with all borrower types.

✓ UK and international individuals (aged 18+)
✓ Limited companies and SPVs
✓ LLPs and partnerships
✓ Trusts and pension funds
✓ Adverse credit considered on a case-by-case basis

What you'll need

● Property details (address, value, condition)
● Loan amount required and purpose
● Clear exit strategy (sale, refinance, or development)
● Proof of identity and address
● Proof of deposit or equity
● Solicitor details (we can recommend one)

FAQ

Frequently asked questions

Through the Glender panel, bridging loans can complete in as fast as five working days for straightforward cases. The average is seven to fourteen days. Speed depends on property type, legal complexity, and how quickly you can provide documentation. Your Generous Lender keeps things moving.

Rolled-up interest means you do not make monthly payments during the loan term. Instead, the interest accrues and is added to the loan balance, then settled in full when the bridge is redeemed (repaid). This keeps your cash flow free for renovation works or other costs.

An exit strategy is your plan for repaying the bridge. Common exits include selling the property, refinancing onto a standard mortgage or buy-to-let product, or using funds from another property sale. Lenders assess the viability of your exit before approving the loan — a strong exit means better rates and higher LTV.

Yes. Many lenders on the Glender panel consider adverse credit, including CCJs, defaults, missed payments, and even bankruptcy (discharged). Rates may be higher, and LTV may be lower, but bridging finance is primarily asset-based — the property and exit strategy carry more weight than your credit score.

Typical fees include an arrangement fee (1-2% of the loan), valuation fee, legal fees (lender and borrower solicitors), and a broker/platform fee. Some lenders charge an exit fee. Glender shows all fees upfront in your offer comparison — no hidden costs. We believe your Generous Lender should be transparent.

A first charge bridge is secured as the primary loan against the property (no existing mortgage). A second charge sits behind an existing first charge mortgage. Second charge bridging lets you release equity from a property you already own without disturbing your existing mortgage — ideal for raising a deposit on a new purchase.