Commercial Bridging Loans and Mortgages Made Simple
Fast, flexible funding for commercial property and investment projects
Thinking of buying a commercial or mixed-use property?
If you’re a first-time or experienced property investor looking to raise funds quickly — maybe to buy a shop, office, or warehouse — a commercial bridging loan could be the solution. And if you already have a mortgage in place, a second charge bridging loan lets you release equity without disturbing your existing deal.
This page explains everything you need to know in plain English.
What Is a Commercial Bridging Loan?
A commercial bridging loan is a short-term loan designed to help you buy or refinance a commercial property quickly. Unlike a mortgage, which takes months to arrange, bridging loans can be approved and funded in as little as 5–14 days.
These loans are ideal when:
- You’re buying at auction and need to complete fast.
- You want to refurbish a property before renting or reselling.
- You’re waiting for planning permission or a long-term mortgage offer.
- You need quick capital for a deposit or another opportunity.
What Is a Second Charge Bridging Loan?
If you already have a mortgage or loan on the property, a second charge bridge lets you borrow more money without replacing your first mortgage. This can save you from paying high exit fees or losing a low interest rate.
Second charge bridging loans are secured against the value of your property — but only take second priority behind the main loan.
Why Choose a Bridging Loan?
✅ Speed – Offers in hours, funds in days
✅ Flexible lending – Credit issues or complex income? No problem
✅ Short-term – Use for 1 to 24 months
✅ No monthly payments – Roll up the interest until the end
✅ Wide uses – Buy-to-let, HMO, shops, land, or development projects
Real Example: High Street Investment
Client: Sarah, a first-time investor
Goal: Buy and refurbish a small shop with a flat above
Loan: £250,000 second charge bridge arranged in 8 days
Result: Property value increased, refinanced to a commercial mortgage, and she released extra cash for her next investment
Who Can Apply?
We help a wide range of clients, including:
- New investors
- Limited companies and SPVs
- Landlords and developers
- Businesses buying premises
No experience? No problem. We guide you every step of the way.
How the Process Works
Get a Quote
Tell us about your property and what you need. We’ll give you an idea of rates and how much you can borrow.
Lender Match
We search 50+ lenders to find the best deal, tailored to your circumstances.
Valuation & Legal Work
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Drawdown
You get the funds — usually in 5 to 14 working days.
Repay
When the loan ends, you repay using sale proceeds or a commercial mortgage.
How Much Can I Borrow?
- Up to 65-70% of the property value
- Loan sizes from £26,000 to £20 million
- Terms from 1 month to 2 years
Want to borrow more? If you own multiple properties, we may secure the loan across several to release higher equity
What’s the Exit Plan?
You Will be asked “What’s the Exit Plan?“
All bridging loans need a clear repayment strategy — called an “exit”. Common options include:
- Refinancing onto a commercial mortgage
- Selling the property
- Selling another asset
- Using business or rental income
Need help planning your exit? We’ll help you build a solid plan lenders trust.
Looking for a Long-Term Commercial Mortgage?
Once your short-term loan is repaid, we can switch you onto a commercial mortgage. These are long-term loans (10–30 years) with lower interest rates.
Choose from:
- Interest-only or repayment
- Fixed or tracker rates
- Personal or company names
We’ll compare deals across the whole market so you don’t have to.
Frequently Asked Questions FAQs
Ready to Explore Your Options?
We’re here to help you make smart, confident decisions.
📞 Call us now on 07939 091418
📧 Or request a callback using our quick form