Speed When It Matters

Quick Purchase

In property, the fastest buyer wins. When you need to complete a purchase quickly — whether it's a time-sensitive deal, an off-market opportunity, or a chain break — we arrange bridging finance that moves at your pace. Decisions in hours. Completion in days.

Rated 4.8/5 by property professionals · From 0.37% pm · 250+ lender panel · No upfront fees

£250k – £100m+

Loan Size

1 – 18 months

Typical Term

Up to 75% LTV

Typical LTV

Key Features

What We Offer

Decisions in hours, not weeks

We secure decisions in principle the same day, giving you certainty before you commit to the purchase.

Completion in as little as 7 days

When the vendor won't wait, we deliver. Our fastest completions are under 10 working days.

Competitive rates from 0.40% pcm

Fast doesn't mean expensive. We negotiate competitive terms from our panel of 250+ lenders.

All commercial property types

Offices, retail, industrial, mixed-use, land — whatever you're buying, we can fund it quickly.

No upfront fees until terms agreed

You don't pay a penny until we've secured terms you're happy with.

Flexible exit strategies

Refinance onto a long-term product, sell the asset, or repay from other sources. We plan the exit from day one.

Ideal For

Common Scenarios

Time-Sensitive Acquisition

The vendor has set a deadline and won't extend. You need funding confirmed and completed before the opportunity disappears.

Beating a Competing Buyer

Another buyer is circling. The ability to offer a fast, certain completion gives you the edge.

Off-Market Opportunity

A deal has come to you directly and needs to move fast before it goes to the open market.

Chain Break Purchase

Your sale is delayed but you need to complete the purchase now. Bridging fills the gap.

How It Works

From Enquiry to Completion

Tell Us About the Deal

Call, email, or use the enquiry form. We need the property details, purchase price, how much you want to borrow, and your planned exit — refinance, sale, or other. Most conversations take under 10 minutes.

We Source and Structure the Facility

We present your deal to the most suitable lenders from our 250+ panel — not a scatter-gun approach, but targeted placement. We negotiate terms, handle the paperwork, and coordinate solicitors and valuers to keep things moving.

Complete and Draw Funds

Once the valuation is in and legal work is done, funds are drawn and your purchase completes. Typical timeline: 5–14 days from initial enquiry. No monthly payments — interest is rolled up and repaid when you exit.

Who Is This For

Typical Quick Purchase Borrowers

Property Investors

Acquiring investment property where speed gives you a competitive advantage or a better price from motivated vendors.

Portfolio Landlords

Building or expanding a portfolio where opportunities arise faster than traditional finance can move.

Developers

Securing development sites before planning is granted or before development finance is arranged.

Business Owners

Acquiring commercial premises for your business when the vendor needs a fast, certain completion.

Typical Costs

What You'll Pay

Every deal is different, but here's what to budget for on a typical quick purchase facility. Use our calculator to estimate total costs for your specific deal.

Interest Rate

0.44–0.85% per month, rolled up — no monthly payments.

Arrangement Fee

1–2% of the gross loan. Can be added to the facility or paid on completion.

Valuation Fee

£500–£3,000+ depending on property value. Paid directly to the surveyor.

Legal Fees

Your solicitor + lender's solicitor. Budget £2,000–£5,000+ for both sides.

Exit Fee

Many lenders charge no exit fee. Where charged, typically 1% of the loan.

Broker Fee

Our fee is typically 1% of the net loan, payable on completion. No upfront fees.

Common Questions

Quick Purchase FAQ

How fast can you actually complete?

Our average is 10–14 days. For straightforward deals with responsive solicitors, we've completed in as little as 5 working days. The main variables are valuation turnaround and legal work — we push both hard.

Do I need to make monthly payments?

No. Most quick purchase bridging loans use rolled-up interest — no monthly payments during the term. Everything is repaid as a single sum when you sell, refinance, or otherwise exit the loan.

What deposit do I need?

Typically 25–30% of the purchase price. Some lenders will go to 80% LTV for strong deals. If you have additional property to offer as security, we can sometimes arrange higher leverage.

Can I use bridging finance to buy at auction?

Yes — but if you're buying at auction, see our dedicated auction finance page. Auction purchases have specific requirements around pre-agreed terms and 28-day deadlines that we handle differently.

What fees should I expect?

Typical costs include an arrangement fee (1–2% of the loan), valuation fee (£500–£2,000+), and legal fees for both your solicitor and the lender's. Use our calculator to estimate total costs for your specific deal.

Can I use bridging to break a property chain?

Yes — this is one of the most common uses of quick purchase bridging. You buy the new property before your existing sale completes, then repay the bridge from the sale proceeds. This removes you from the chain entirely and gives the vendor the fast, certain completion they want.

Is a personal guarantee required?

Usually yes for standard deals — guarantees are typically required from all directors of the borrowing SPV or company. If you want to avoid personal guarantees, see our no personal guarantees page for non-recourse options.

Can I borrow through a limited company?

Yes — most quick purchases are arranged through SPVs or limited companies. This is the standard structure for property investment. Personal name borrowing is also available for investment property, though many investors prefer the tax and liability benefits of a corporate structure.

Deals We've Structured

All case studies

£1.8m

£1.8m Commercial Purchase

Manchester

£250k

£250k 48-Hour Bridge

Salford

All case studies →

Ready to Discuss Your Project?

Get an indicative quote or arrange a call with a specialist. If we can respond immediately we will, otherwise within 2 hours during business hours.

Calculate Your Costs Arrange a Call

0330 223 7872 WhatsApp hello@bridging.fund