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.

Product guide   Useful downloads

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

  • Case Study: Speed and communication saved a foreign national property portfolio over Christmas Bridging loans case study

    Case Study: Speed and communication saved a foreign national property portfolio over Christmas

    Bridging finance can be a great solution for borrowers who need finance temporarily and quickly to support growing businesses and property portfolios. No...

    Read more
  • Case Study: Last minute legal issue resolved with first class underwriting to save a renovation deal Bridging loans case study

    Case Study: Last minute legal issue resolved with first class underwriting to save a renovation deal

    In some circumstances even the simplest deals can have issues at the 11th hour, bridging finance by its nature is a great way to secure finance quickly for...

    Read more
  • 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

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

Regional Account Director (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 (City & South West London, Berks, Surrey, Hampshire)

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

Kash Moghul

Regional Account Manager (South East London, Essex & Kent)

kash.moghul@westoneloans.co.uk +44 (0)7984 171 974

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

Peter Maina

Telephone Business Development Manager (South West & Wales)

peter.maina@westoneloans.co.uk +44 (0)208 731 5345

Bridging Loans Videos

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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

Bridging loans
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West One Case Study - One Client. Four Products. One Lender.

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Useful Downloads

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

Bridging Loans Tariff of Charges Regulated Bridging Fair Value Assessment

Other Products

Development Finance

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

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Buy-to-Let Mortgages

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

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Second Charge Mortgages

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

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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

 

  • Top Tips for Securing Funding for Property Development Bridging loans

    Top Tips for Securing Funding for Property Development

    Haley McPherson - Group Marketing Director, Enra Specialist Finance

    Read more
  • Leveraging Bridging to refinance regulated loans for the longer term Bridging loans

    Leveraging Bridging to refinance regulated loans for the longer term

    Thomas Cantor - Head of Bridging Finance 

    Read more
  • What are the 7 myths surrounding bridging loans? Bridging loans

    What are the 7 myths surrounding bridging loans?

    Elena Zinonos - Digital Marketing Manager, Enra Specialist Finance

    The world of bridging loans is shrouded in myths and misconceptions making it challenging...

    Read more