Bridging Finance

Fast, flexible, market-leading rates. 

Shrewd property investors use short term finance products in order to react as quickly as is required to take advantage of the best deals on the market. These products can help turn creativity and potential into massive wealth creation.

Ramsay & White want to help you materialise your visions and aspirations, both in property and wealth.


Borrow £75K - £500K

Up to 85% LTV


Funds available in days

Rates from 0.40%

What can Bridging Finance be used for?


Purchase property


Property refurbishment


Break the property chain


Access quick cash


Refinance an asset


Portfolio restructuring


Purchase land without planning


Paying off debt

Frequently asked Bridging Finance questions

How does Bridging Finance work?

Bridging loans are short-term finance solutions designed to provide fast funding. They ‘bridge’ the gap between a debt and a main line of credit becoming available. Bridging Finance relies on an exit strategy in order for the loan to be repaid, for example, selling a property or refinancing on to a buy-to-let mortgage.

Interest on Bridging Finance is charged at a monthly rate rather than an annual percentage rate (APR) because they are designed to be repaid within a few weeks or months.


How much Bridging Finance can I borrow?

We work with a variety of lenders that generally lend between £75,000 to £500,000.

The loan to value (LTV) you secure depends on the value of the security you are providing. You can typically borrow a maximum of 75% on residential property and 60% on commercial property, however, this varies from lender to lender.


    Who is eligible for Bridging Finance?

    As security is required, credit history and proof of income is generally unimportant to lenders and most will accept:

    • Employed, self-employed or retired.
    • Private individuals, partnerships or limited companies.
    • Borrowers over the age of 18 years old.
    • Borrowers that live or have a registered address in the United Kingdom.
    • Borrowers with a form of security – usually one or more properties.
    • Borrowers with a defined exit route to repay the loan.


      How long does it take to get Bridging Finance?

      Bridging funds can be available within a matter of days, the normal timeframe is 5 – 10 days for completion. If you require the funds fast, speak to our team who will be able to act quickly and approach the best lender.


      What security can be used for Bridging Finance?

      Most types of UK property can be used as security against a bridging loan. This includes residential houses and flats, offices, warehouses and other types of commercial premises. Land with and without planning permission is also accepted. 

      Can I borrow 100% of the purchase price?

      This varies depending on the lender but – Yes, you can borrow 100% of the purchase price if you have additional property or properties to offer as security.  You may also be able to borrow 100% of the purchase price if the property at significantly below its true market value.

      What are the costs associated with Bridging Finance?

      In addition to the interest charges, there are several costs to bear in mind when obtaining Bridging Finance. These include arrangement fees, valuation fees, exit fees and solicitor fees. These will vary based on the lender and can change from time to time. Our property finance experts always aim to secure the best funds for our clients in the most cost-effective way.

        How We Help You

        Ramsay & White Finance for Property Investors

        Our clients benefit from our customer-focused and personalised approach, giving them peace of mind and as much involvement in the project as desired.

        By understanding your true requirements and matching you with the most suitable lenders, we will match you with the best financial solution in an efficient and timely manner.


        Qualified commercial and residential advisers


        Specialists in property finance


        Passionate and experienced team


        Access to whole of market


        Fast decision making

        What some of our clients say

        Ramsay & White Property Development Finance
        Ramsay & White Property Development Finance
        Ramsay & White Property Development Finance
        Ramsay & White Property Development Finance

        Secure the best bridging rates on the market!

        Ramsay & White:

        T: 02921 111280

        E: enquiries@ramsayandwhite.com

        Ramsay & White Estate Agents:

        T: 01443 803510

        E: contact@ramsayandwhite.com

        Head Office:

        13-14 Neptune Court

        Vanguard Way

        Cardiff, CF24 5PJ

        London Office:

        8 St James Square

        London, SW1Y 4JU

        Opening hours:

        Monday to Friday   09:00 - 17:00
        Saturday & Sunday       Closed


        We are members of the

        Follow us:

        Ramsay & White Ltd. Number 814110 - is an Appointed Representative of New Leaf Distribution Ltd. who are authorised and regulated by the Financial Conduct Authority. Number 460421.

        Your home may be repossessed if you do not keep up repayments on your mortgage. Ramsay & White Ltd is registered in England and Wales. Company number: 11127743. Registered office 13-14 Neptune Court, Vanguard Way, Cardiff, UK, CF24 5PJ.

        A fee may apply for mortgage advice and, if applicable, you must ask your adviser for details before making any decision relating to a new mortgage as the actual amount will depend on your personal circumstances, but we estimate the typical fee to be £499.