Fox Davidson, Your Trusted UK Bridging Loan Broker
At Fox Davidson, we pride ourselves on being expert bridging finance brokers connecting you with the best UK lenders for rapid property transactions, short-term funding, and tailored financing solutions.
📞 Call immediate expert advice. 💻 Complete our enquiry form 📧 Email outline your requirements
Expert Bridging Loan Brokers Connecting You to the Best UK Lenders
Navigating the UK bridging finance market can be complex and time-consuming. With over 100 specialist lenders each having unique criteria, rates, and risk appetites, securing the right finance without expert help can lead to delays, higher costs, or unsuitable products.
As a leading UK bridging loan broker, Fox Davidson acts as your financial intermediary, providing direct access to exclusive lender networks, in-depth market knowledge, and streamlined processes that secure the right finance in days, not months. Whether you need funding for auction purchases, property chain breaks, or development projects, our specialist team ensures you receive competitive terms while meeting tight deadlines.
Our experience, strong lender relationships, and comprehensive market knowledge are essential for a smooth borrowing process. We ensure effective communication between you, the lender, and any third parties, facilitating quick approvals and negotiations. At Fox Davidson, we help you compare bridging loans from different providers so you can make informed decisions based on costs and features. Our expertise enables you to secure the best bridging loan tailored to your needs, ensuring both suitability and cost-effectiveness.
Why Choose Fox Davidson as Your UK Bridging Finance Broker?
As professional bridging loan brokers, we offer unmatched value in securing the best bridging finance solutions across the UK market. Leveraging our expertise and lender relationships, we help you save money through competitive rates and efficient processes.
- Exclusive Access to Specialist Lenders – High street banks don’t offer bridging loans; we maintain relationships with 100+ specialist lenders including private lenders, family offices, and niche finance companies. Most lenders typically allow borrowers to secure up to 75% of the property’s value with a bridging loan, providing you greater financing flexibility.
- Expert Market Knowledge – Our team understands lender criteria, current interest rates, and terms across regulated and unregulated bridging loans, ensuring you receive the most suitable option. We know how loan interest rates can be fixed or variable and are influenced by the lender, loan-to-value ratio, and current market conditions. Our brokers also explain why bridging loan interest rates tend to be higher than traditional mortgages due to their short-term nature and associated risks.
- Speed and Efficiency – We secure bridging finance in 7-14 days compared to months through traditional routes, with some urgent cases completing even faster.
- Tailored Solutions – We match your specific needs with the right finance, whether for residential property purchases, commercial property deals, or development finance.
- Bad Credit Specialists – We have access to lenders who focus on exit strategy and property value rather than credit history, opening options for borrowers with impaired credit.
How Fox Davidson’s Bridging Finance Brokers Work
Our bridging process follows a streamlined three-step approach designed for maximum efficiency.
Step 1: Initial Consultation
We assess your bridging finance needs, timeline, and exit strategy. A bridge loan is a short-term financing solution typically used to bridge financial gaps during property purchases, renovations, or development projects. We evaluate your specific situation—whether purchasing land, breaking property chains, or funding development projects—and provide immediate guidance on suitable lender options. We explain different types of bridge loans, such as open and closed bridging loans, each suited to different repayment flexibility needs. Our brokers play a crucial role in securing finance quickly for time-sensitive transactions, leveraging the short-term nature of bridging loans to meet urgent deadlines.
Step 2: Lender Matching and Application
Using our extensive lender network, we identify the most suitable bridging loan lender offering competitive rates and terms. Bridging lenders are known for their flexibility, often allowing repayment options such as deferred or rolled-up interest, beneficial if you prefer not to make monthly payments during the loan term. The bridging loan lender manages the approval process, issues a Decision in Principle, and oversees the legal and administrative steps necessary for completion. We ensure all documentation is handled efficiently, ensuring compliance with FCA regulations for regulated bridging loans and industry standards for unregulated bridging loans.
Step 3: Completion and Fund Release
We manage the entire process including legal documentation, property valuations, and underwriting coordination. Most bridging loans complete within 7-14 days, with Decision in Principle available within 24-48 hours for urgent auction purchases or time-sensitive transactions. Monthly payments can be structured as rolled-up interest—where payments are added to the loan balance—or as serviced interest—where you pay interest each month. It is essential to have a clear plan to repay the loan, such as through the sale of the property or remortgaging, and to provide evidence of this exit strategy. Borrowers typically receive funds upon completion, often timed with property sales or other key events to ensure smooth transitions.
What Makes Fox Davidson Different?
Our professional bridging loan brokers offer distinct advantages that set us apart from direct lender approaches or general finance brokers.
- Regulatory Expertise – We navigate complex FCA regulations for regulated bridging loans while ensuring non regulated bridging loans meet industry best practices and borrower protection standards.
- Extensive Lender Relationships – We have direct access to specialist lenders who primarily work through broker channels, providing exclusive rates and terms unavailable to direct applicants.
- Market Intelligence – Our real-time knowledge of lender appetite changes, new products, and criteria updates across the bridging market ensures optimal timing and positioning for your application. We also help clients identify opportunities in the UK property market with strong rental yields, especially in high-demand areas like London.
- Tailored Solutions – We specialise in arranging property development finance for all stages of development projects, including land acquisition, construction, and renovation, with options suitable for both experienced and first-time developers.
- Award-Winning Service – Fox Davidson holds industry recognition from NACFB, FIBA, and ASTL, demonstrating our commitment to professional standards and client outcomes.
What Our Clients Say
⭐️⭐️⭐️⭐️⭐️ “Fox Davidson secured bridging finance for our auction purchase in just 10 days. Without their expertise, we would have lost the property and the opportunity to develop it.” — Property Developer, London
📢 “As property investors with a large portfolio, we needed flexible finance quickly. Fox Davidson found us a lender offering excellent terms and no early repayment charges.” — Portfolio Investor, Manchester
⭐️⭐️⭐️⭐️⭐️ “After our chain broke down, we thought we’d lose our dream home. Fox Davidson arranged finance in 8 days, saving our purchase.” — Homeowner, Birmingham
Types of Bridging Finance Available Through Fox Davidson
We provide access to the full spectrum of bridging finance products across the UK market. A short term bridging loan is a secured financial product typically lasting from 1 to 36 months, designed to provide quick funding for property or land transactions.
🏠 Residential Bridging Loans – £150,000 to £30 million +
- First charge bridging loan and second charge loans available
- Loan to value ratios typically 60-75% depending on property type
- Interest rates may be fixed or variable
- Perfect for chain breaks, property purchases, and renovations
- Suitable for buy to let investments, including as an exit strategy when refinancing or letting out the property
- Bridging loans can be secured against existing property as collateral, allowing you to unlock equity for other uses
- If you have an existing mortgage, it will usually take priority as the first charge, with the bridging loan registered as a second charge
- Useful for purchasing a new property before selling your existing one, bridging the gap between transactions
- Can be used to finance residential properties, including uninhabitable or subdivided homes that may not qualify for a standard mortgage
- Bridging loans are also available for unmortgageable property, such as those needing renovation or conversion
- Costs and fees are often similar to those of a standard mortgage, including valuation, product, and solicitor’s fees
🏢 Commercial Bridging Finance – £150,000 to £50 million+
- Commercial property purchases and refinancing
- Business acquisition and cash flow solutions
- Flexible terms from 1-24 months depending on exit strategy
🏗️ Development Finance – Specialised funding for property development
- Land acquisition and development project funding
- Gross Development Value (GDV) based lending up to 70%
- 100% of build costs
- Interest roll-up to preserve cash flow during build phases
Frequently Asked Questions
Most bridging loans complete within 7-14 days for straightforward cases. Urgent situations such as auction purchases can sometimes complete faster with pre-approved facilities and experienced parties involved.
No. Many specialist lenders focus on exit strategy and property value rather than credit history. Brokers have access to bad credit specialists who evaluate deals based on the strength of security and repayment plan.
Broker fees typically range from 1-2% of the loan amount. Many leading brokers are paid by lenders, meaning their services may be free to borrowers while still securing the best deals.
Yes. We arrange pre-approved bridging finance facilities for property auctions, ensuring you have confirmed funding before bidding and can complete within the standard 28-day auction timeline.
Regulated bridging loans are FCA-supervised and used when you or immediate family will live in the property. Unregulated bridging loans cover investment properties, commercial property, and business purposes, offering more flexibility but requiring specialist broker guidance.
A bridging loan broker is a professional who helps clients secure short-term bridging loans to finance property purchases or cover temporary funding gaps, typically for commercial or residential properties. They connect borrowers with lenders, negotiate terms, and guide clients through the application process to find the best loan solutions, often for urgent or time-sensitive transactions.
A regulated bridging loan is a short-term loan secured against a residential property that is intended for personal use, such as the borrower’s primary residence or a home they plan to live in. These loans are regulated by the UK’s Financial Conduct Authority (FCA), ensuring consumer protections like fair treatment, transparent terms, and affordability checks. They’re often used to bridge funding gaps, such as when buying a new home before selling an existing one. A bridging loan broker can help navigate these regulations and find suitable lenders.
Bridging loans have high interest rates (0.5-2% monthly), short terms (6-18 months), and hefty fees, increasing costs. They risk repossession if unpaid and add pressure if refinancing or property sales are delayed. A broker can help find better terms.
A bridging loan is a short-term loan (6-18 months) to cover immediate funding needs, often with higher interest rates, while a commercial mortgage is a longer-term loan (5-25 years) for purchasing or refinancing commercial properties with lower rates.
Individuals, sole traders, partnerships, and businesses can apply for bridging loans, provided they have a property to secure the loan against and a clear repayment plan. Lenders assess credit history and exit strategy.
Bridging loans can fund property purchases, renovations, auction buys, or cover cash flow gaps, such as buying a new property before selling an existing one or financing development projects.
Bridging loans can be arranged in as little as 3-14 days, depending on the lender, property type, and complexity of the application. A bridging loan broker can speed up the process.
An unregulated bridging loan is not governed by the FCA and is typically used for non-residential properties, such as commercial or investment properties. These loans may have fewer protections but offer more flexibility.
Bridging loans typically offer up to 70-75% LTV, though some lenders may go higher for low-risk cases. The LTV depends on the property type and borrower’s financial profile.
Yes, most bridging loans are interest-only, with interest either paid monthly or rolled up and repaid at the end of the term, reducing monthly outgoings during the loan period.
An exit strategy is your plan to repay the bridging loan, such as selling a property, refinancing with a long-term mortgage, or using other funds. Lenders require a clear exit strategy before approving the loan.
Yes, bridging loans are often used for property development, covering costs like renovations or conversions until the project is completed and sold or refinanced.
Get Started with Fox Davidson Today
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Secure the right finance with expert guidance from award-winning bridging loan brokers. Complete our enquiry form for a no-obligation consultation and discover how we can save you money while securing the best deal for your needs.
💡 No obligation. Expert advice. Results in days, not months. Fee Free
🔒 FCA Regulated | Industry Award Winners | 1000+ Successful Completions | Free Initial Consultation
📞 Call immediate expert advice. 💻 Complete our enquiry form 📧 Email outline your requirements
Commercial Finance including Bridging Loans and development Finance are arranged through FD Commercial & Bridging Ltd, our specialist commercial mortgage brokerage.
