Top 15 Bridging Loan Brokers in the UK

Bridging loans serve one job: speed. Whether you’re buying at auction, funding a renovation, or juggling timelines between sales, having a smart broker in your corner makes all the difference. Good brokers don’t just find finance – they find the right finance.

1. KIS Finance

KIS Finance leads the pack of the best bridging loan brokers in the UK for straightforward, no-fluff bridging loan finance. They’re quick, they’re transparent, and they’re great at handling everything from residential bridging loans to big-ticket commercial projects.

Why KIS sets the pace:

• Loan range: £50,000 to £500 million
• No broker fee policy – ever
• Handles both regulated bridging loans and unregulated bridging loans
• Works with property investors, homeowners, and developers
• Excellent support for auction finance, development finance, and portfolio restructuring

They’ve built a name on reliability. When people compare bridging loans and want clarity without inflated charges, KIS is usually at the top of that list. Among bridging loan brokers in the UK, they consistently hit the mark on service and speed.

2. Clifton Private Finance

Clifton Private Finance is known for tailored solutions and well-executed deals. They’re a smart pick for anyone who needs flexibility or is navigating a more complex property chain.

Strong features:

• Bridging loans from £50,000 to £25 million
• Expertise across residential, semi-commercial, and commercial property
• Lender connections that help reduce loan interest rates and smooth over niche requirements
• Covers everything from open bridging loan scenarios to tight turnaround funding

This is a broker you go to when timing is tight or the deal is slightly outside the box. They handle it without fuss and deliver clean, well-structured options quickly.

3. Loans Warehouse

Tech-enabled but relationship-focused, Loans Warehouse helps borrowers compare bridging loan terms from multiple lenders without endless calls. They’re also one of the better brokers if you’re concerned about credit issues or non-standard incomes.

Why they stand out:

• Quick eligibility checks through their digital platform
• Loan amounts starting from £25,000
• Excellent for personal-use bridging and refinancing strategies
• Supports both first charge and second charge loan finance
• Helps navigate gross loan amount vs net loan amount dynamics

If you’re juggling an existing mortgage, trying to secure bridging finance without delays, or just want to get a bridging loan that won’t trip you up mid-deal, Loans Warehouse delivers simplicity with decent rates.

4. MT Finance

MT Finance moves quickly. They’re ideal for property professionals or landlords who need short term bridging loans without jumping through the hoops that traditional lenders still demand.

Best used for:

• Short-term secured finance (£50,000–£10 million)
• Asset-based lending – less focus on credit, more on property value
• Strong options for retained interest and exit via refinance or sale
• Trusted by developers working on fast-turnaround refurb projects

When you’re trying to bridge against your existing property or fund a new one while your old deal wraps up, they get it. Their process skips the drama and prioritizes liquidity over paperwork.

5. Crystal Specialist Finance

Crystal is known for solving tricky lending problems and being one of the few brokers that genuinely treat every case as unique. Their access to specialist lenders is particularly strong.

Where they excel:

• Handles regulated, unregulated, and non regulated bridging loans
• Bridging loan terms tailored to more complex borrower profiles
• Accepts lower credit scores and layered income streams
• Solid experience with commercial bridging loans and non-standard exit strategies

They’re a go-to when most bridging loans fall short because of edge-case scenarios, whether that’s poor credit, unusual security, or tight windows to completion. When you’re stuck, they usually have a way forward.

6. SPF Short Term Finance

SPF Short Term Finance sits within the larger SPF Private Clients group, but this team moves like a specialist unit. They’re particularly effective when timing and precision matter. Think chain breaks, downsizing, or fast-access regulated bridging loans.

What makes them dependable:

• Covers residential, semi-commercial, and commercial property
• Competitive loan rates with transparent arrangement fee breakdowns
• Bridges gaps between traditional mortgage delays and auction deadlines
• Focus on smooth exit strategy planning (sale or refinance)
• Works well with property investors balancing multiple deals

They’re one of the better picks when you want to pay interest monthly and not be penalized if you repay the loan early. If your deal depends on accurate execution rather than just access to cash, SPF tends to deliver.

7. Envelop

Envelop is a specialist finance broker that flies a bit under the radar. They’re strong on experience, fast on delivery, and don’t limit themselves to cookie-cutter deals.

Why they’re worth your attention:

• Access to a wide panel of bridging loan lenders and specialist lenders
• Bridging loan finance available for both regulated and unregulated deals
• Skilled at navigating poor credit and unusual collateral
• Great partner for development finance and short term bridging loans
• Keeps monthly payments aligned with project timelines

They handle high-stress lending with calm precision. If you’re coordinating multiple parties involved in a property development or managing more than one bridging broker, Envelop is refreshingly easy to work with.

8. Black Book Finance

If your deal needs finesse and out-of-the-box thinking, Black Book Finance is the kind of broker you call. They’re concierge-style brokers, which means they take the time to understand your entire financial picture and then bring in the right bridging lender for the job.

When they shine:

• Perfect for non-standard assets and high-value commercial property
• Strong with open bridging loan structures
• Covers everything from gross loan to net loan amounts with clarity
• Handles retained interest and deferred interest models
• Good fit for long-term property investors who need frequent bridging finance

They don’t just offer bridging loans but they build smart loan structures. That kind of thinking keeps more deals alive than most brokers would manage.

9. Bridging Finance 4U

As the name suggests, this broker is laser-focused on bridging. They’ve built strong connections with UK lenders and private finance outfits, allowing them to move quickly when it counts.

Strengths you’ll notice right away:

• Covers residential and commercial bridging loans
• Deep experience with non regulated bridging loans
• Handles everything from property development to inheritance-backed transactions
• Practical when juggling lump sum equity and an existing mortgage
• Flexible lending criteria for property refurbishment and auction finance

They’re the type of finance broker you bring in when you want certainty that funds will land before deadlines hit. Great with unusual deals, and even better with tight ones.

10. West One Loans (via Brokers)

West One Loans is a lender, not a broker, but many top-tier bridging loan brokers in the UK source directly from them. Why? Because they offer a mix of speed, product variety, and flexible terms that make life easier for everyone involved.

Why brokers love them:

• Offers both first and second charge products
• Competitive loan to value ratios
• Accepts layered income, unusual assets, and non-standard properties
• Transparent interest payments structure with multiple exit options
• Works well with specialist brokers managing complex transactions

If your broker works with West One, that’s a good sign. It usually means you’re being offered one of the stronger bridging loan options available in the current market.

11. Positive Lending

Positive Lending doesn’t just offer bridging loans – they offer access. As a well-connected financial intermediary, they’re great at negotiating with multiple lenders across both mainstream and specialist lending markets.

Why they make the list:

• Bridging finance broker with direct access to high-LTV loan options
• Efficient when sourcing loans for residential property or commercial property
• Solid support for regulated bridging loans and open bridging loan formats
• Helps clients pay interest in ways that suit cash flow (monthly or retained)
• Works well with lump sum drawdowns for property development

They’re particularly effective if you’re trying to compare bridging loans and need options structured around your income type, asset spread, or project schedule.

12. FinSpace Group

FinSpace isn’t your typical broker as they take a full-picture view of your project before proposing any finance solution. This makes them a great fit for development finance and larger bridging loan structures that need more than just speed.

What makes them different:

• Strong background in commercial bridging loans and property development
• Access to UK lenders for both traditional and specialist loan finance
• Practical when bridging loans require complex security arrangements
• Supports both first and second charge bridging loans
• Competitive loan interest rates with flexible loan terms

If you’re planning to get a bridging loan that connects multiple assets (or one that requires collaboration across legal or funding teams) FinSpace works with the full toolkit.

13. VIBE Finance

VIBE has made a name by being relationship-driven and genuinely responsive. They’re particularly sharp when it comes to matching borrowers with the most suitable lender and not just the fastest or cheapest.

Where they deliver:

• Expert with unregulated bridging loans for property investors
• Strong at structuring short term bridging loans for auction purchases
• Good insight on how bridging loans impact your broader finance strategy
• Breaks down gross loan vs net loan amounts in easy terms
• Brokers with clarity around broker fee, loan rates, and exit strategy

If you want a good bridging loan broker who won’t just quote numbers but will explain the why behind each term, VIBE is worth a conversation.

14. Think Property Finance

Think Property Finance excels at making the bridging process simple without dumbing it down. They’re good at securing bridging loans for those stuck between a traditional mortgage and a tight purchase deadline.

Why they’re reliable:

• Specializes in short term bridging loans and secure finance
• Competitive interest rates on both regulated and non regulated bridging loans
• Explains retained interest, loan to value, and exit timelines clearly
• Works with residential and semi-commercial cases
• Strong communication with all parties involved

When bridging loans work well, they remove stress. Think Property Finance delivers that by cutting through red tape and focusing on deal viability, not just ticking boxes.

15. UK Property Finance

Last but far from least, UK Property Finance has one of the broadest panels in the market. They’re veteran brokers who’ve handled everything from bridging loan monthly interest arrangements to rolled-up deals for long-term investors.

What sets them apart:

• Whole-of-market access including traditional lenders and niche specialists
• Bridging loan terms tailored to both vanilla and complex cases
• Handles anything from poor credit to overseas buyers
• In-depth knowledge of how bridging loans require clean exit strategies
• Trusted by finance experts, solicitors, and developers alike

If you’re after flexibility and want to compare bridging terms without being cornered into one lender’s products, this is a broker that plays the long game.

Make the Most of Secure Bridging Finance

Bridging loans require more than quick decisions – they demand precision. Whether you’re chasing a residential property deal or pulling together funding for a commercial project, the right bridging broker knows how to line up the timing, structure the interest, and keep monthly payments manageable.

A good bridging loan broker doesn’t just offer loan finance. They assess risk, identify the most suitable lender, and help you understand exactly how retained interest, loan to value, and gross loan amount impact the deal. More importantly, they don’t push deals that only work on paper.

If you’re looking to get a bridging loan without overcommitting or being blindsided by fees, go with someone who knows how to offer bridging loans that actually fit your situation, not just your property value.

Match Speed with Strategy

Short term finance isn’t about cutting corners but removing friction. The brokers on this list help buyers, developers, and investors compare bridging options quickly, without falling into the traps of bloated arrangement fees or poor exit planning.

Most bridging loans work because there’s strategy behind the structure. Maybe you’re using a lump sum from an inheritance. Maybe you’re restructuring after a traditional mortgage fell through. Either way, the right broker will guide you toward secure bridging finance that won’t unravel under pressure.

Property moves fast. The market doesn’t wait. And when timing is tight, smart loan brokers matter more than ever.