Bridging Loans

Fast, flexible finance.

Our extensive range of bridging loans have been developed to provide finance for a wide range of borrower needs. As a leading bridging finance provider since 2007, the West One team have an industry reputation for providing a personalised approach to lending resulting in an extensive portfolio of bridging loans. Our highly experienced underwriting team provide the speed and flexibility needed to help get your clients’ projects safely over the line when the timing is critical.

Bridging loans are short term finance, normally lasting up to 12 months and are a great solution for borrowers who need finance temporarily and quickly. They are ideal for refinancing, auction purchases, property refurbishment and acquiring land or semi-commercial/commercial assets.

Our loans are available as first or second charge and have no early repayment charges.

PRA22 Bridging Lender Winner Badge

Let us help you get started

Talk to our expert bridging loans team today to discover how our diverse product range can solve your finance needs. 

Speed & flexibility with your bridging loan

Get your client's project safely over the line

Residential

Ideal for purchases, refurbishments or refinances of residential properties that are either used as a principle primary residence or for investment purposes.

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Commercial / Semi - Commercial

Short term finance for purchases and refinances of both commercial and semi-commercial properties.

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Land

Finance for purchases and refinances of land both with and without planning permission.

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Range Criteria

Bridging-loans Our Unique Capability

Our Unique Capability

  • A highly experienced, dedicated underwriter is assigned to each case
  • A unique approach to credit risk
  • A personal approach - treating every customer and case individually
  • Over 15 years of experience in specialist finance markets
  • A quick and easy application process with fast approval processes
Bridging loans Key product features

Key product features

  • Offer both regulated and unregulated loans as either 1st or 2nd charges
  • Loans secured against all property types (residential, semi-commercial, commercial) across England, Wales and mainland Scotland
  • Max LTV up to 75%
  • Loans up to 30m (higher can be considered upon referral)
  • No early repayment charges
  • Complex offshore structures considered
  • Minimum term 1 month

Frequently Asked Questions

Instant help when you need it

Beginners guide to development finance

Case Studies

  • Fast and flexible bridging finance delivered in just 6 days Bridging loans case study

    Fast and flexible bridging finance delivered in just 6 days

    Speed and flexibility are often the key drivers behind the decision to use bridging finance. At West One our team are experts at navigating the complexities of...

    Read more
  • £7.8m bridging finance on complex commercial portfolio Bridging loans case study

    £7.8m bridging finance on complex commercial portfolio

    Bridging loans by their very nature are not one size fits all finance, they have multiple use cases and sometimes are the perfect solution for a cash flow...

    Read more
  • Simplicity in the development cycle - A smooth refinance from development to bridging. Bridging loans case study

    Simplicity in the development cycle - A smooth refinance from development to bridging.

    The specialist lending market can be a significant asset to a property professional with different types of finance available over the course of a development...

    Read more

Become an Introducer

Introduce business to West One

If you would like to discuss a case, register as an introducer or learn more about what West One has to offer, simply complete the short enquiry form below and a member of our broker support team will get in touch.

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Meet the Bridging Finance Team

Sales & Business Development

Nicholas Jones

Sales Director, Bridging

nicholas.jones@westoneloans.co.uk +44 (0)333 1234 556

Michael Grant

Head of Sales, Bridging & Development Finance

michael@westoneloans.co.uk +44 (0)7415 117 683

Matthew Watson

Business Development Manager

matthew.watson@westoneloans.co.uk +44 (0)7584 165 082

Amy Medhurst

Internal Sales Manager

amy.medhurst@westoneloans.co.uk +44 (0)333 1234 556

Bridging Loans Videos

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The West 101 - E7: £7.8m Bridging on Complex Commercial Portfolio

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The West 101 – E6 – Identifying Bridging Cases

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Acceptable uses for Bridging Finance with West One

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The West 101 – E5 – The Relationship between Sales and Underwriting

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Useful Resources

We hope you find the following resources useful. Please contact us if you require anything specific. 

Bridging Loan Product Guide Feb 2022

Other Products

Development Finance

Designed for property developers requiring fast, efficient finance for residential-led developments. 

Learn More

Buy-to-Let Mortgages

First charge buy-to-let mortgages offering flexibility to both amateur and professional landlords. 

Learn More

Second Charge Mortgages

A comprehensive range of second charge mortgage products available for both residential and buy-to-let properties

Learn More

Latest Bridging Loans Blogs

 

  • Getting comfortable with larger lending Bridging loans

    Getting comfortable with larger lending

     

    Read more
  • Bridging sector will flourish in 2022 Bridging loans

    Bridging sector will flourish in 2022

    The past 12 months have been another period of unpredictability in the market as we navigate our way through further waves of the pandemic.

    Read more
  • Did you know that bridging finance can be used to help a business over the festive period? Bridging loans

    Did you know that bridging finance can be used to help a business over the festive period?

    Bridging finance is a great way to help a business get off the ground and fulfil its potential. A bridging loan for a business is a type of commercial loan...

    Read more