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Bridging Finance

Bridging Finance Birmingham

Bridge the gap in funding seamlessly in Birmingham with our tailored bridging finance solutions.

Quote line: 07825 812999

Bridging Loan
Rates and costs

We have whole of the market access allowing us to find our customers the best possible deal.

Monthly interest rates from
0.55% per month
for loans under £1 million
0.49% per month
for loans over £1 million

Bridging Finance in Birmingham

As the UK's second city, Birmingham is in the middle of major regeneration around HS2's Curzon Street development, the Jewellery Quarter and Digbeth's creative district, alongside established suburban demand in areas like Moseley and Kings Heath. Whatever's driving the need for speed in Birmingham — a broken property chain, an auction completion deadline, a time-sensitive commercial purchase, or releasing equity from an inherited property — we arrange bridging finance structured around your repayment plan, not a one-size-fits-all product.

Bridging Finance Calculator

Fast Bridging Finance

Need Fast Bridging Finance? Quickly bridge financial gaps with our specialised fast bridging finance solutions...

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Day Rate Bridging Finance

Day rate bridging finance offers a flexible and accessible solution for borrowers seeking short-term funding for various commercial...

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Overdraft Bridging Facility

Explore our innovative overdraft bridging facility, offering borrowers flexible financing options to meet their short-term capital needs...

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Desktop and AVM Bridging Loans

Our desktop and Automated Valuation Model (AVM) bridging loans represent the latest innovation in property financing...

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Large Bridging Loans

In the realm of ambitious projects and substantial investments, access to capital is paramount. Large bridging loans serve as the financial...

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Second Charge Bridging Loans

Second charge bridging loans offer a flexible and accessible solution for borrowers seeking additional capital secured against their property...

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First Charge Bridging Loans

Secure the primary legal charge on your property with a first charge bridging loan, our most straightforward and competitively priced bridging option...

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Unregulated Bridging Loans

For investment and commercial property, unregulated bridging finance offers greater flexibility and typically a faster route to funds...

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Chain Break Bridging Loans

Don't let someone else's sale falling through cost you your onward purchase, a chain break bridging loan keeps your move on track...

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Probate Bridging Loans

Access funds against an inherited property before probate completes or the property is sold, with our probate and inheritance bridging finance...

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Bad Credit Bridging Loans

Missed payments, defaults or CCJs don't have to rule out bridging finance, we work with lenders who assess the whole picture...

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Refurbishment Bridging Loans

From a light cosmetic refresh to a heavy structural refurbishment, our bridging finance can fund the works as well as the purchase...

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Uninhabitable Property Bridging Loans

No kitchen, no working bathroom, or structurally unsound? Standard mortgages won't touch it, our bridging lenders will...

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Land Bridging Loans

Whether the land has planning permission or not, our land bridging finance can help you secure a plot quickly before it's gone...

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Limited Company & SPV Bridging Loans

Borrowing through a limited company or SPV? We work with lenders who understand corporate structures and can move at your pace...

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Foreign National & Expat Bridging Loans

Living or based overseas doesn't have to complicate UK property finance, we work with lenders experienced in foreign national and expat bridging...

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Bridging Loan Rates & Costs

Understand what actually makes up the cost of a bridging loan, so you can compare offers properly and budget with confidence...

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Bridging Finance – Frequently Asked Questions

What is bridging finance?

A short-term loan secured against property, used to 'bridge' a gap in funding until a longer-term solution — a sale, a refinance, or the end of a project — is in place.

How much can I borrow with a bridging loan?

We arrange bridging finance from £25,000 up to £20 million and beyond, secured against residential, commercial or investment property, and land.

How quickly can a bridging loan complete?

In some cases we can complete in as little as 48 hours, though most straightforward cases complete within a few weeks — speed depends on the property, the legal work, and how quickly paperwork is returned.

What's the difference between first charge and second charge bridging?

A first charge loan is the only or primary loan secured against the property; a second charge sits behind an existing mortgage or loan already secured on it. Both are available depending on your circumstances and what else is secured against the property.

What happens if I can't repay the loan at the end of the term?

We structure every loan around a realistic exit strategy from the outset — typically a sale or refinance — and stay in touch as the term progresses so an extension or alternative can be arranged well before the deadline if your circumstances change.

Is bridging finance regulated by the FCA?

No. Raise Commercial Ltd is not authorised or regulated by the Financial Conduct Authority. We arrange unregulated commercial and investment property finance only. We never lend against a property that is or will become the borrower's or their family's home.

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