With over 25 years’ experience in unregulated bridging, we’ve funded property transactions across retail, office, industrial and mixed‑use sectors, bringing the expertise needed to support complex projects.

Fast decisions

Decisions in principle within 24 hours. Full approval in 3-5 working days. Funds released in as little as 7 days from application.

Flexible terms

Loans from 1–12 months, interest-only payments with longer terms available via referral. Exit strategy options include refinance, sale or a switch to longer term finance.

Variety of income sources

We recognise diverse income like bonuses, dividends, consultancy or secondary employment, helping to progress your application.

Who we help

Self‑funded loans have no upper age limit as repayments are supported by the property or its income; where personal income is assessed, applicants can be up to age 80 at the end of the term.
Suitable for individuals, sole traders, LLPs, partnerships and limited companies.
Open to a wide mix of customer backgrounds and income types.
Designed for both employed and self‑employed applicants.
Available to expat and non‑UK residents.
Maximum of 4 applicants.

Minimum requirements:
25% deposit | 18+ | Purchasing a property in England, Scotland or Wales | Haven't been declared bankrupt in the last 12 months.

Common questions about Bridging Loans

What is an unregulated bridging loan?

An unregulated bridging loan is a short-term form of finance that can be used to purchase residential or commercial property, typically for up to 12 months. You’ll need an exit plan to pay the loan back in full at the end of the term, which can be funds from a recently sold property or arranged longer term finance.

How much can I borrow, and how much deposit will I need?

We can lend up to 75% of your property’s value. However, please note that the maximum loan-to-value ratio we can offer might be adjusted depending on the nature of the property.

How do you decide my interest rate?

The rate you're offered may be influenced by several factors, including:

What you're using the bridging loan for.
The type and value of the property you're using to secure the loan.
How much you need to borrow (both in total, and as a percentage of your property's value).
Whether you have any other loans secured against the property, that won't be repaid by this loan.
Your credit history (but not your credit score).

How long does a bridging loan take to arrange?

We’ve got decades of experience in getting bridging cases over the line quickly – and much faster than a typical fixed-term loan or mortgage. This means a bridging loan could get you the cash you need while waiting for longer-term borrowing to be arranged in as little as 24 hours*.

*Completions within 24 hours are subject to the acceptance of all required legal documentation.

Why might you choose a bridging loan?

A bridging loan can help if you need funding quickly to buy a property before selling another, purchase at auction, or carry out works ahead of refinancing or sale. It’s a short term solution designed to bridge a temporary gap, with interest only payments and a clear plan to repay, usually through sale or a move to longer term finance.

Looking for more information about bridging loans?

Read our guide

A close up of a salesman talking on a phone in a modern office.

Finance to bride a gap.

Ready to talk?

Alternatively, call us on 0161 210 5101.

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All mortgages are subject to our terms and conditions.

Loans offered by Together Commercial Finance Limited are not regulated by the Financial Conduct Authority.