The fastest UK bridging loans complete in 5 to 10 working days for straightforward cases. Most complete within 3 to 4 weeks. Speed depends on the complexity of the security, clarity of the exit strategy, and how quickly solicitors and valuers can act. Money Pilot identifies the lenders moving fastest at the time of your application.

Most UK bridging lenders offer up to 75% LTV for residential security and 65 to 70% for commercial property. Some specialist lenders will consider up to 80% where additional security is available. The best rates are typically at lower LTV positions. Money Pilot compares LTV appetite across 200+ specialist lenders.

Yes — specialist bridging lenders assess the security and exit strategy rather than credit history as the primary underwriting factor. Adverse credit including CCJs, defaults, and missed payments does not automatically preclude a bridging loan. The rate may be higher to reflect additional risk, but a well-structured case with strong security and a credible exit is fundable. Money Pilot identifies lenders with appetite for adverse credit cases.

Yes — bridging finance is the most common funding method for auction purchases in the UK. Auction conditions typically require completion within 28 days. Standard mortgages cannot meet this deadline; bridging lenders can. Money Pilot arranges an agreement in principle before the auction so you have funding confidence before bidding. Zero broker fees. FCA regulated (FRN: 968705).

A first charge bridging loan is secured as the only loan against the property — the lender has the primary legal charge. A second charge bridging loan sits behind an existing mortgage or loan on the same property — the bridging lender takes a second legal charge. Second charge bridging is used to raise capital from a property that already has a mortgage without disturbing the existing loan. Rates are typically slightly higher than first charge to reflect the additional risk.

Money Pilot compares bridging finance from 200+ specialist UK lenders — including MT Finance, Hope Capital, Octane Capital, West One Loans, and Tuscan Capital — matching your property, LTV, exit strategy, and timeline to the lender most suited to your case. Commercial bridging finance also available. Zero broker fees. FCA regulated (FRN: 968705). Call 020 4634 8617.

Usually no — bridging is asset-and-exit lending. The lender underwrites the property value and how you will repay (sale or refinance), not your monthly income.

A bridge secured on your own home is FCA-regulated; loans on investment or commercial property are unregulated products. Either way, arranging through Money Pilot puts a directly FCA-regulated broker (FRN: 968705) on your side.