Fast Bridging Loans

Our bridging loan product covers both residential and commercial properties, offering a simple, reliable and speedy service.

  • Multiple loans & Property types considered
  • Knowledgeable, experienced staff
  • Maximum term 24 months


Speedy Bridging Loans Available (Examples Below):

  • Up to £750k in 2 Days
  • Over £750k in 3 Weeks

Whether you have adverse credit or no credit history, we can help. Our loans are secured against your property, allowing us to focus on your individual circumstances and needs. If you have sufficient equity and a feasible exit strategy, we are likely able to assist.

Our fast bridging loans are ideal for resolving time-sensitive cash shortfalls for both commercial and personal purposes.

  • Loan Amounts: From £26,000 to £250 million
  • Approval Terms: Within 1 hour
  • Fund Availability: Draw funds within 72 hours
  • Interest Rates: Starting from 0.44% per month (Lower rates for loans above £700,000 or less than 50% LTV)
  • LTV: Up to 80% (Up to 100% financing available with additional collateral)
  • Valuation Options: Desktop valuations to expedite survey reports
  • Legal Process: Dual legal representation to speed up proceedings
  • Repayment Options: No monthly payments with interest roll-up options
  • Term Length: Up to 24 months

Get a fast, free, no-obligation quote for a bridging loan tailored to your needs. Use our quick enquiry form to receive an accurate cost estimate.

  • Credit Flexibility: We consider all types of credit histories, including adverse credit. No automated credit checks are performed, ensuring no footprint from inquiries.
  • Geographic Reach: Loans can be secured on properties in England, Scotland, Wales, Northern Ireland, and Europe.
  • Direct Lending: Unlike other businesses, we are the lender so have no need for a lender network.
  • Quick Turnaround: We excel at providing loans within critical timelines, ensuring your financial needs are met swiftly.
  • Auction Finance: For residential, commercial, or semi-commercial properties.
  • Mortgage Delays: Addressing delays to avoid missing out on a purchase.
  • Preventing Chain Breaks: Ensuring property chain continuity.
  • Quick Loans: To seize land purchase opportunities.
  • Raising Funds: For unexpected bills.
  • Working Capital: Smoothing out cash flow bumps.
  • Purchasing Stock/Equipment: To maintain business operations.
  • Tax Liabilities: Addressing short-term VAT or tax liabilities.
  • Avoiding Insolvency: Preventing bankruptcy when assets are present but liquidity is insufficient.
  • Extending Terms: For existing bridging loans.
  • Debt Settlement: Settling other debt-based loans.

Commercial property in Exeter

12 month bridging loan to assist a customer of 35 years in the acquisition of an office renovation project at 70% LTV

Charles Street have assisted us with 20+ acquisitions over the last 3 years and we wouldn’t consider using anyone else. They are quick and reliable with very competitive rates and we look forward to working with Jonathan and the team for many years to come. Having a financial relationship like this is key to our growth and success.

Restaurant in Cheshire

12 month bridging loan to enable a hospitality group in the re-development of a newly obtained site at 42% LTV

Residential portfolio in Brighton

12 month bridging loan to support a developer with the refinancing/purchase of a residential site. Turnaround within 24 hours at 52% LTV- See what our client thinks about Charles Street below. 

“I can’t thank Charles Street enough for helping me in a moment of crisis. I was let down when a notable lender did a U-turn at the very last hour on a re-financing. Charles Street stepped in and were nothing but helpful, professional, and a pleasure to deal with from start to finish… so much so, that we are now working on financing multiple projects together and I am excited to see this new relationship grow!”

  1. Prepare Documents in Advance: Ensure all application documents are ready to share.
  2. Answer Financial Questions Promptly: Be transparent and quick in responding.
  3. Set Realistic Deadlines: Communicate your timeline to your adviser and confirm its feasibility.
  4. Establish Preferred Contact Methods: Specify whether you prefer mobile, landline, email, SMS, or WhatsApp.
  5. Provide Availability Times: Let your advisor know the best times and days to reach you.
  6. Notify of Any Unavailability: Inform your advisor of any upcoming holidays or periods when you will be unavailable.
  7. Approach Multiple Lenders: Ask your advisor to contact several lenders from the outset for comparison.
  8. Maintain Regular Contact: Follow up regularly with your advisor, especially if the loan is urgent.
  9. Choose the Right Solicitor: Opt for a bridging loan solicitor to speed up the process.
  10. Be Ready to Provide Additional Information: Quickly respond to any further information requests from the lender.
How Much Can I Borrow and In What Timeframe?

The amount you can borrow depends on the value of the property used as security and your exit strategy. Generally, we offer bridging loans ranging from £50,000 to £10 million, with terms up to 24 months.

In What Scenarios Might I Need a Fast Bridging Loan?

A fast bridging loan can be useful in various situations, such as:

  • Finding Alternative Finance: For short-term projects requiring quick funding.
  • Closing Time-Sensitive Sales: To bridge the gap until longer-term finance is secured.
  • Purchasing Property at Auction: To quickly secure funds for auction purchases.
  • Paying Tax Bills: To cover unexpected tax liabilities.
  • Making Property Improvements: To increase property value swiftly.
What Are the Advantages of a Fast Bridging Loan?
  • Quick Access to Funds: Fast bridging loans provide rapid access to necessary funds.
  • Flexible Terms: Tailored loan terms to suit individual needs.
Are Regulated Bridging Loans Fast?

Regulated bridging loans, approved by the Financial Conduct Authority (FCA), take longer to process than unregulated ones. While unregulated loans can provide funds within 72 hours, regulated lenders typically take about 10 working days.

Are Commercial Bridging Loans Fast?

Yes, commercial bridging loans are generally quicker since they are not regulated by the FCA. With the right documentation, funds can be provided within as little as 3 working days.

Can I Get a Fast Bridging Loan if I’m Non-Status?

Yes, non-status or bad credit applicants can still secure fast bridging loans. Lenders focus on the equity in the property used as security rather than credit ratings.

How Can a Bridging Loan Broker Speed Up My Application?

A bridging loan broker can expedite your application by identifying the right lender for your needs and negotiating terms. Brokers have access to multiple lenders, streamlining the process compared to approaching lenders individually.

Is It Quicker to Go Directly to a Lender?

While you can go directly to a lender, it may take longer than using a broker. Brokers can approach multiple lenders simultaneously, increasing the chances of securing the best rates and terms quickly. Direct applications risk ‘deal fatigue’ from lenders uninterested in specific loan types.

How Do I Apply for an Urgent Bridging Loan?

Applying for an urgent bridging loan involves the same steps as other bridging loans. Ensure all necessary documents are ready and contact either a broker or lender directly. Our experienced team at Charles Street Finance is here to assist with your fast bridging loan needs.

  • Flexibility: Financing from £26,000 to £200,000 in as little as 3 working days.
  • Short-Term Solution: Loans up to £250 million typically complete within 14-28 days with terms up to 24 months.
How Much Can You Borrow with Bridging Finance?

We offer loans up to 80% loan-to-value (LTV). For example, with a property worth £200,000, you need £40,000 as a deposit. If raising money against existing property equity, the total of your mortgage, debts, and bridging loan must not exceed 80% of the property value

What Are Fast Bridging Loans?

Fast bridging loans provide quick funding, with the entire process taking as little as 3 days for urgent cases.

Do I Need Proof of Income for a Bridging Loan?

No, most bridging lenders do not require proof of income as the loan is secured against property equity and repaid in one lump sum at the end of the term.

How Quickly Can You Get an Urgent Bridge Loan?

If the property holds sufficient equity and a viable exit strategy is present, approval can happen the same day, with funding available within 3 days for loans up to £300,000.

Is Urgent 100% Bridging Finance Possible?

Yes, provided you have enough equity in the properties used as collateral and a viable exit strategy. Multiple properties as collateral may increase completion time.

For expert assistance with your fast bridging loan, reach out to us today. We are dedicated to helping property owners, investors, and developers secure the financial solutions they need quickly and efficiently.

Call our friendly team on 161 333 1981. We’re ready to help.