Large Bridging Loan

Service for UK & International Property

Large Bridging Loan

Specialist bridging finance service

We can offer:
  • Bridging finance from £500,000 up to £50 million
  • Exclusive rates from 0.32% pm
  • Terms from 12 months to 24 months
  • LTVs up to 80% (can be more if other assets in the background)
  • Interest roll-up options
  • Residential finance (On a regulated basis), for residential property purchase e.g. downsizing, second residential property (UK & abroad)
  • Buy to let, HMO, investment and commercial properties considered
  • Light refurbishment finance (currently uninhabitable, under permitted development rules, require internal refurbishment)
  • Heavy refurbishment finance (extensions, basement digs, loft conversions, commercial to residential, barn conversions)
  • Development bridging finance for new build residential and commercial properties and property conversion e.g. under permitted development rights
  • Business finance (Paying a HMRC tax bill, purchasing land or new premises, deposit for new purchase, business growth)
  • Alternative assets considered e.g. pension, investment porfolios, fine art, classic cars
  • We provide professional service to help you get the money you need at the best available rates in line with your timescales


Buying Before Selling?

Rates from:

0.41% pm


Releasing Funds From Your Home

Short-Term Lease Finance

Auction Purchase

As at 8th February 2023

Development & Refurb

Fast Finance

Rates from:

0.50% pm

Light & Heavy Refurb

Finance For Unmortgageable Properties

Land Purchase with planning

As at 8th February 2023


Large Bridging Loans

Rates from:

0.41% pm

Up to 80% LTV

Minimum Loan £500k

Minimum net income £100k

As at 8th February 2023

Contact Us

Thank You for your interest - please complete the form below and a member of our team will be in contact.

Call us on 0117 959 5094 to discuss your requirements. 

Understanding Large Bridging Loans: A Comprehensive Guide 

In the video below, our Head of Bridging, Sam O'Neil, explains what large bridging loans are, their costs, timescales, example uses, and how you can get one. 

A bridging loan, also known as a bridge loan, is a type of short-term financing used to bridge the gap between purchasing a new property and selling an existing one.

It's common for them to be used by people or companies who need to secure financing for a property purchase quickly, but may not have all the necessary funds to hand.

There are many situations in which bridge loans can be helpful, but this article focuses specifically on large bridge loans, which are over £500,000.

These loans are typically used for commercial property purchases or expensive residential homes and are an attractive option for those needing significant financing for a property transaction.

While you're here, read some of our bridging loan case studies

There are many different types of lending options when you're buying a buying property:

Mortgages, for example, are a common way for people to finance the purchase of a home, while commercial loans are often used to fund the expansion of a business.

On the other hand, Bridging loans are a unique type of short-term financing that can be used in various situations and are often regarded as the ultimate form of flexible finance.

Understanding the ins and outs of bridging loans is essential if you're considering one for a commercial or residential property purchase.

This article explores the basics of large bridging loans, including how they work, the pros and cons of using one, and how to secure a loan of this size.

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How Large Bridging Loans Work

To understand how large bridging loans work, it's important to understand the basics of property financing. When an individual or business wants to purchase a property, they may not have the entire purchase price available upfront. They may turn to a lender, such as a bank, to secure finance in these cases.

A mortgage is a loan used to finance your property purchase and is typically secured by the property itself. This means if you can't afford to repay your mortgage, your bank can sell your home to recover the money they've lent you.

You pay your lender a monthly payment that includes both the capital you've borrowed and the interest.

Unlike a mortgage or a commercial loan, a bridging loan is a short-term financing solution. They are typically only designed to be used for a few months or until you can secure more permanent financing (such as selling another property or asset or getting a standard mortgage for the long term).

Because of their short-term nature, bridging loans typically come with higher interest rates than other types of financing. Bridging loan interest rates are also displayed as a monthly rate, not an annual rate like a standard mortgage.

Related: Check out our bridging loan calculator. 

Finding a Specialist in Large Bridging Loans

When it comes to financing the purchase of a valuable residential or commercial property, it can be beneficial to work with a specialist in the field. An expert in large bridging loans can guide you through the process of obtaining this type of financing.

A few different types of lenders may offer large bridging loans for commercial property, including banks, credit unions, and online lenders.

Finding a reputable lender with a track record of success is essential. It would help if you also looked for a lender with competitive interest rates and fees and a reputation for excellent customer service.

In addition to traditional lenders, consider working with a mortgage broker.

A mortgage broker is a professional who works with various lenders to help you find the right financing for your needs.

Mortgage brokers can be a useful resource when finding a specialist in large bridging loans, as they may have relationships with lenders that are not available to the general public. 

Types of Large Bridging Loans

There are two types of bridging loans: "open" and "closed" bridging loans.
A closed bridging loan has a fixed end date, meaning the borrower must repay the loan by a specific date.

Borrowers often use these loans when they expect to sell an existing property or receive a large sum of money within the timeframe.

An open bridging loan does not have a fixed end date. While you must have an "exit strategy", I.e., a plan to raise funds to repay your loan, you might not have a fixed date for this event yet. These loans are often used when you're still determining when you'll be able to secure permanent financing. Most bridging loans have a maximum term of 18 months.

Finding a regulated bridging lender

In the UK, all lenders, including those that offer large bridging loans, must be authorized by the FCA and follow strict guidelines regarding lending.

These guidelines are designed to ensure that lenders are fair and transparent in their lending practices and that borrowers are treated fairly and given all the necessary information to make informed decisions about their loans.

If you're considering a large bridging loan in the UK, it's important to work with a lender that the FCA regulates.

How quickly can you get a large bridging loan?

Bridging loans are designed to be a quick and flexible financing solution. As a result, it is possible to get a bridging loan in a relatively short period, often within a few days or weeks.

The exact time it takes to get a bridging loan will depend on various factors, including your lender, the amount of your loan and your exit strategy.

In general, however, bridging loans can be processed more quickly than traditional mortgages. They don't require the same types of affordability calculations that standard mortgages do, which are based on your income, debts and credit score, among other factors.


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Refinance Farm With Bridging Loan To Resolve Divorce Settlement
Refinance Farm With Bridging Loan To Resolve Divorce Settlement
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Short Term Finance from Private Bank Secures £1.6m Colchester Home
Short Term Finance from Private Bank Secures £1.6m Colchester Home at Low Interest Rate
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Bridging Loan to Buy Property During Divorce While Waiting for Family Home to Sell
Bridging Loan to Buy Property During Divorce While Waiting for Family Home to Sell
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Bridging Loan to Pay Inheritance Tax Bill Before Selling Inherited London Property to Cover Costs
Bridging Loan to Pay Inheritance Tax Bill Before Selling Inherited London Property to Cover Costs
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Bridging Loan to Secure Property Requiring Planning Permission, Split Titles and Refurbishment Before Refinancing
Bridging Loan to Secure Property Requiring Planning Permission, Split Titles and Refurbishment Before Refinancing
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€3m Bridging Loan on Ibiza Residential Property to Fund London Development Project
€3m Bridging Loan on Ibiza Residential Property to Fund London Development Project
Capital Raised

More Opportunities »

Contact Us

Large Bridging Loans

Our highly experienced team can help with:

Why use Clifton Private Finance?

Based in Bristol and Cardiff, Clifton Private Finance has expertise in sourcing large bridging loans; we have contacts with all of the leading banks and private lenders across the market. For examples of bridging loan cases we have completed for a range of funding scenarios, please see our bridging loan case studies
If speed is a priority, bridging finance can be arranged quickly, depending on your situation. 
Call us on 0117 959 5094 to discuss your requirements.
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