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Car Finance

Specialists in Car Finance

We can get you closer to your dream car. Learn more about our financing options here.

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Discover how a finance broker can help access competitive rates, tailored finance solutions, and expert guidance.

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Specialists in Business Finance

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Why Use a Commercial Finance Broker in 2026

Whether you're seeking assets, expansion or managing cash flow, a business finance broker can make all the difference.

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We work with a variety of industries, choose yours to see how we can help.

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Complete Guide to the Growth Guarantee Scheme (GGS)

Access loans up to £2m with a 70% government guarantee.

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Who are Charles & Dean? Find out more about us here.

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Introducing Our New Partnership with Fix Auto UK

Charles & Dean have partnered with Fix Auto to provide Franchise Partners with access to flexible, specialist funding.

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Home Business Finance Bridging Loans

Bridging Loans for Commercial Property

Fast, flexible short-term funding to bridge property transactions. Secure opportunities quickly with tailored bridging finance designed for speed, certainty, and your exit strategy.

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No Obligation Enquiry

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Tailored Broker Support

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Wide Panel of Lenders

Key Takeaways

We know you’re busy, so we’ve put an overview together for you

  • Short-term funding designed to bridge property purchase gaps quickly
  • Fast completions possible in days, not months like traditional finance
  • Flexible repayment options including rolled-up or serviced interest
  • Funding based on property value and exit strategy, not just income

How Do Bridging Loans Work?

Let's take a look at how a Bridging Loan for property development works step by step

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Property Assessment

We assess your property, funding requirement, and exit strategy. Lending is based on asset value and security, with loan-to-value typically up to 70-75% depending on the deal.

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Fast Funding

Once approved, funds can be released quickly - often within days or weeks. Interest can be serviced monthly or rolled into the loan, giving flexibility based on your cash flow.

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Exit Strategy

A clear repayment plan is essential. This could be through a property sale, refinance onto a mortgage, or alternative funding arranged at the outset.

Are Bridging Loans Right for You?

Bridging finance is ideal when speed and flexibility are critical. It’s commonly used for auction purchases, chain breaks, or time-sensitive investments. While it offers fast access to capital, it’s important to understand the higher costs and ensure your exit strategy is realistic and achievable.

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A Bridging Loan might be right for you if...

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You need to complete a property purchase quickly

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You’re buying at auction or dealing with a broken chain

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You have a clear and realistic exit strategy

A Bridging Loan might not be right for you if...

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You’re looking for a long-term, low-cost funding solution

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You don’t yet have a defined exit plan in place

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You’re unable to manage higher interest and associated fees

Bridging loans are a short-term solution and may carry higher costs than traditional lending.

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Our Funding Process

  • 1

    Discuss Your Funding Requirements

    Talk to one of our Commercial Property Finance Specialists so we can understand your business, goals, and funding needs.

  • 2

    Review & Present Your Application

    We gather the required documentation and review your circumstances, then present your application to our panel of lenders to identify the most suitable funding solution.

  • 3

    Get Your Funding

    Once your finance is approved, we work with you and the lender to ensure you can access your funds as quickly as possible.

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What To Do Next

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Get a Quote

Fill in the form at the top of the page and one of our team will call you back in as little as 10 minutes to discuss your quote.

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Call Us Now

Our Finance Specialists are available and happy to help you 9am-5:30pm Monday to Friday.

01780 763836
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Read Our FAQs

Still have questions about Bridging Loans? We may have the answer within our FAQs.

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Why Use Charles & Dean?

Why should you choose us to help secure a Bridging Loan

Why Us 1

Fast Decision Making

We understand urgency. Our team works with lenders who can provide quick decisions in principle and deliver funding within tight timeframes when speed is critical.

Why Us 2

End-to-End Support

Our experienced brokers guide you through every stage, helping structure your loan effectively while ensuring you understand costs, risks, and repayment options.

Why Us 3

Specialist Lender Panel

We have access to a wide range of bridging lenders, ensuring competitive rates and terms tailored to your property, timeline, and exit strategy.

Our FAQs

Common questions about Bridging Loans answered. If you have a question and you can’t see it listed, please call us on 01780 763836 and one of our team will be able to help you.

How much can I borrow with bridging finance?

Loan amounts typically range from £100,000 to £10m+, depending on the property, security and exit strategy. LTV ratios are usually up to 70-75% gross. In exceptional circumstances 80% is also available.

What are bridging loans interest rates?

Rates typically start from around 0.7% per month but vary depending on risk, LTV and lender. Always consider total cost including fees.

How quickly can a bridging loan complete?

Bridging loans can complete within 7-35 days in most cases, with some urgent deals completing even faster depending on complexity.

What can bridging loans be used for?

It’s commonly used for auction purchases, chain breaks, refurbishments, refinancing and time-sensitive investment opportunities.

What fees are involved with bridging finance?

Fees may include arrangement fees (1-3%), valuation fee, legal costs for both you and the lender, and exit fees ranging from 0-1.5%. These should be factored into the overall cost of the loan.