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.

*The rates shown within are indicative only. A subjective analysis is carried out on the quality of the asset, the customer profile and the market conditions which, in combination with LTV, is used to arrive at the offered interest rate.

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. 

You're in safe hands!

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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

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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 70%
  • 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

View all case studies

Case Studies

  • Agile underwriting allows for £1.31m complex commercial bridging loan Bridging loans case study

    Agile underwriting allows for £1.31m complex commercial bridging loan

    Bridging loans do require adaptation and adjustments throughout the application and underwriting process, meaning lenders must remain agile and able to make...

    Read more
  • £1.04m bridging required for land purchase completed in 8-working days Bridging loans case study

    £1.04m bridging required for land purchase completed in 8-working days

    The property market can be unpredictable at times, and a client may find themselves in a position where they need to find a quick funding solution to...

    Read more
  • Bridging loan for refurbishment secured in just 7-working days Bridging loans case study

    Bridging loan for refurbishment secured in just 7-working days

    Even the most experienced property investors with previous refurbishment and sale experience can find themselves in pressurized scenarios where they require...

    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.

Register now
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Meet the Bridging Finance Team

Sales & Business Development

Thomas Cantor

Head of Bridging Finance

thomas.cantor@westoneloans.co.uk +44 (0)20 928 1822

Michael Grant

Head of Sales, Bridging (Central & North London, Herts, Beds & Bucks)

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

Matthew Watson

Head of Sales, Buy-to-Let & Bridging - South (South West London & South Coast)

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

Jez Quinn

Head of Sales, Buy-to-Let & Bridging - North (Midlands)

jez.quinn@westoneloans.co.uk +44 (0)7825 240 598

Ashley Bailey

Regional Account Manager (North & Scotland)

ashley.bailey@westoneloans.co.uk +44 (0)7586 716046

Gary Melville

Telephone Business Development Manager (Central & North London, Herts, Beds & Bucks)

gary.melville@westoneloans.co.uk +44 (0)208 736 2250

Rebecca Bradley

Telephone Business Development Executive (Central & North London, Herts, Beds & Bucks)

rebecca.bradley@westoneloans.co.uk +44 (0)208 736 2324

Paul Shiakallis

Telephone Business Development Manager (South West London & South Coast)

paul.shiakallis@westoneloans.co.uk +44 (0)208 736 2246

Kayleigh Tuvey

Telephone Business Development Manager (South West London & South Coast)

kayleigh.tuvey@westoneloans.co.uk +44 (0)208 736 2212

Nicky Agra

Telephone Business Development Manager (South East London, Essex & Kent)

nicky.agra@westoneloans.co.uk +44 (0)208 736 2230

Ali Hussain

Telephone Business Development Manager (Midlands)

ali.hussain@westoneloans.co.uk +44 (0)208 736 2200

Jake Bannister

Telephone Business Development Manager (North & Scotland)

jake.bannister@westoneloans.co.uk +44 (0)208 736 2228

Bridging Loans Videos

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Looking Ahead to the Bridging Finance Market with West One

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The West 101 - E9 - Regulated vs Unregulated Bridging Loans

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The West 101 – E8 – Getting Comfortable with Large Bridging Loans

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Useful Downloads

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

Bridging Loans Product Guide June 2023 Bridging Loans Tariff of Charges 2023 Regulated Bridging Fair Value Assessment May 2023

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

Residential Mortgages

West One offers a comprehensive range of residential mortgage products to borrowers who are unable to obtain a high street mortgage. Learn More

Latest Bridging Loans Blogs

 

  • Are mainstream market woes providing a boost for the bridging sector? Bridging loans

    Are mainstream market woes providing a boost for the bridging sector?

    Tom Cantor, Head of Bridging Finance

    As you read this, spare a thought for those working in the mainstream mortgage market.

    Once again, fears over inflation...

    Read more
  • Why Bridging can be a Foreign concept Bridging loans

    Why Bridging can be a Foreign concept

    It has been well reported that the UK economy has had a turbulent time since September 2022. We’ve seen interest rates and inflation soar, and the cost of...

    Read more
  • 7 Ways to use bridging Bridging loans

    7 Ways to use bridging

    Bridging loans can be a critical way for landlords, property developers and even homeowners to secure funding on a property when time and circumstances rule...

    Read more