Bridging Finance & Short-Term Property Loans
Fast Funding. Flexible Terms. Expert Guidance.
Your trusted partner for bridging loans across London and the UK.
Elite International Real Estate provides clients with fast, flexible property finance solutions through our extensive panel of bridging and short-term lenders. As brokers operating in both the unregulated bridging market and acting as introducers in the regulated mortgage market, we ensure our clients receive compliant, ethical, transparent guidance backed by our membership with FIBA (Financial Intermediary & Broker Association).
Whether you are purchasing an HMO, completing a refurbishment, buying a new build before your mortgage is ready, or securing a development site, Elite connects you with the right lender, the right structure and the fastest completion timeline.
Regulated vs Unregulated Bridging Loans, What’s the Difference?
Regulated Bridging Loans (FCA Regulated)
A regulated bridge is used when the loan is secured against a property the borrower or a close family member will live in.
Examples:
▪️Buying a new home before selling your current one
▪️Chain break solutions
▪️Downsizing or upsizing
▪️Residential purchases requiring fast completion
Elite acts as an introducer for regulated mortgage and regulated bridging cases.
All regulated applications are passed to our FCA-authorised partners who complete the compliance, advice and processing.
Unregulated Bridging Loans (Investment & Business Use)
An unregulated bridge is used when the property is not owner-occupied, such as:
▪️Buy-to-let purchases
▪️HMO conversions
▪️Development sites
▪️Commercial and semi-commercial buildings
▪️Auction purchases
▪️SPV and company lending
▪️Portfolio refinancing
▪️Distressed property acquisitions
Elite brokers offer unregulated bridging loans directly through a panel of specialist lenders.
These products offer greater flexibility, faster terms, and suitability for more complex transactions.
Why Clients Choose Elite for Bridging Finance
Proud FIBA Member
Providing assurance of:
▪️Professional standards
▪️Transparent fee structures
▪️Ethical brokerage
▪️Strong compliance oversight
Access to 50+ Specialist Lenders
Including mainstream, private, and boutique lenders with competitive rates.
Fast Decisions & Completions
Same-day terms are common; completions typically within 5–14 days.
Complex Case Specialists
We secure funding where others cannot, including:
▪️HMOs
▪️Refurbishment projects
▪️Properties without kitchens/bathrooms
▪️Mixed-use buildings
▪️Title issues
▪️Probate cases
▪️Development exits
Transparent Process
Clear communication from the first conversation to completion and refinance.
Examples of When Bridging Loans Are Used
HMO Purchase or Conversion
Ideal when:
▪️The property requires compliance upgrades
▪️Fire safety works or layout changes are needed
▪️No ASTs or proper licensing is in place
Bridge → Refurbish → Refinance onto HMO mortgage
Buying a New Build Before the Mortgage Offer Is Ready
Often required when:
▪️Developers impose 28-day exchange deadlines
▪️Your mortgage lender is delayed
▪️The valuation or documents aren’t ready
Bridge → Complete → Mortgage application completes afterwards
Development Site Purchase
For:
▪️Land with or without planning
▪️Commercial-to-residential conversions
▪️Brownfield, derelict or unmodernised sites
Bridge → Secure the site → Move to development finance once planning is obtained
Auction Purchases
Bridging guarantees:
▪️Fast access to funds
▪️Completion within the 28-day timeframe
▪️No risk of forfeiting your deposit
Development Exit Loans
Used when:
▪️Units are finished but unsold
▪️You need to release capital
▪️You want to reduce monthly outgoings
▪️You need extra time for sales strategies
Types of Bridging Loans We Arrange
▪️Regulated residential bridging (via partners)
▪️Unregulated residential bridging
▪️HMO bridging
▪️Refurbishment & conversion finance
▪️Auction finance
▪️Development exit loans
▪️Commercial & mixed-use bridging
▪️Second charge bridging
▪️Chain break finance
Who Uses Bridging Loans?
▪️Developers
▪️Investors
▪️HMO landlords
▪️Overseas buyers
▪️Portfolio landlords
▪️Auction buyers
▪️SPVs and companies
▪️Homeowners needing fast solutions
How the Process Works
1. Initial Consultation & Assessment
2. Regulated or Unregulated Route Identified
3. Lender Match & Terms Issued
4. Valuation & Legal Process
5. Completion, Funds Released
Why Work With Elite International Real Estate?
▪️Trusted FIBA Member
▪️Nearly 20 years of London property experience
▪️Strong lender relationships
▪️HMO, development and complex case expertise
▪️Transparent and ethical processes
▪️Fast decisions, clear communication
Request Bridging Finance Today
For a confidential assessment or same-day enquiry:
Fast decisions. Flexible lending. Trusted professionals.