Bridging Loans on Your Terms

Octagon Capital is a specialist broker that can help you compare bridging loans in the UK ranging from £50,000 to £25 million. Based in the centre of London, we have partnered with the award-winning SPF Short Term Finance who will process your enquiry.

0333 414 1491

Enquire About a Bridging Loan

*UK Property Only | *Minimum Age 21

  • By submitting this form I agree to being contacted by SPF Short Term Finance and I have read and accept the Terms and Conditions.

Key Features

  • Borrow £50,000 – £25 million
  • Loan Term: up to 24 months

  • Loan-To-Value: up to 75% (regulated) and 80% (non-regulated)

  • Rates from 0.44% per month
  • All credit scores considered

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Auction Finance

Auction finance refers to borrowing money or taking out a loan to put towards a property that you have purchased at an auction.

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Construction Finance

Construction finance loans allow you to borrow up to £2 million towards a construction project of your choice.

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Development Finance

Development finance is a type of short-term lending that a property developer or company will use to pay for the renovation or refurbishment of a property.

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Equity Release

Equity release allows homeowners to unlock 20% to 60% equity in their property’s value and receive money in one lump sum...

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Mezzanine Finance

Mezzanine Finance is a type of business loan which involves a combination of debt (a loan) and equity (giving up shares in your business).


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Second Charge Loans

A second charge loan or ‘second mortgage’ is a common way to raise finance and release equity from your existing mortgage without remortgaging.

Our Bridging Lenders

We work with over 40 lenders in the UK. See the full list here

What is a Bridging Loan?

Bridging loans are a type of short-term finance commonly used for property owners, investors and developers.

It is ideal for those who are urgently looking to complete on a property and where a traditional mortgage application process would take too long. So rather than lose a potential opportunity, the individual can apply for a bridging loan and receive the money in one lump within a few working days.

Once the borrower has bought the property and has access to more finance (by renting it out, refurbishing and reselling it), they are able to repay their loan and find themselves in a better financial position.

Why Would You Use a Bridging Loan Broker?

Using a bridging loans broker allows you to access a number of competitive rates all in one place and compare different quotes and find the best one for you.

The complex and intricate nature of bridging finance means that different lenders will give you different rates and terms and it is best to explore all your options. You may find that you are better suited to a non status bridging loan or a development finance product – and speaking to our dedicated advisors from SPF Short Term Finance can help steer you in the right direction and help you get the finance you need.

Meet The Team

When To Apply With a Bridging Loans Broker?

Scenario 1: Moving Home

The individual has not sold their home yet but is desperate to complete on a new property or they risk losing it. A bridging loan allows them to get the money they need to complete on the property and then they can repay the loan when their house eventually sells.

Bridging Loan Example: Your house is worth £200,000 and you have an outstanding mortgage of £100,000, you want to move to a £400,000 and do so quickly. But you won’t be able to get a mortgage in just a few weeks or sell your existing home. So you get bridging finance to cover the gap, allowing you to move in quickly and clear your debts when your original house is sold.

Scenario 2: Property Developer

A small or large property developer sees an individual property or block of flats that they want to refurbish and sell at a higher price.

Rather than go through a long mortgage process, they can borrow a few hundred thousand or million pounds, receive the money within a few days or weeks and complete very quickly.

Several months or years later, the property has been renovated and has now gone up in value, they can sell the estate, allowing them to repay their loan and make a profit. This type of finance is particularly popular for buy to let property developers.

Scenario 3: Raising Finance

If you have an existing bridging loan or mortgage, known as a ‘first charge,’ any equity left over can be used for another loan, known as a ‘second charge.’ This can be used to raise finance for an investment opportunity such as putting money into a business or another property.

Octagon Capital can facilitate finance for agricultural land, bungalows, care homes, chalets, converted barns, cottages, detached homes, farmhouses, guest houses, hotels, maisonettes, mid-terraced homes, offices, petrol garages, semi-detached homes, studio flats, terraces, townhouses and warehouses. 

We accept enquiries for bridging loans in London, Birmingham, Manchester, South-East England, Wales, Scotland and practically every other area of the UK upon request. We sadly cannot facilitate loans in Ireland.

Try Our Bridging Loan Calculator


By submitting this form I agree to being contacted by SPF Short Term Finance and I have read and accept the Terms and Conditions.

  • Please give us a call if you require more than £25,000,000

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

A maximum fee of 1% of the loan amount is payable – for example on a mortgage of £100,000 the fee would be £1,000, the exact fee will be dependent on your circumstances. For Bridging Finance where the net loan amount is £150,000 or below, the maximum fee charged is £1,995.

SPF Short Term Finance is a trading style of SPF Private Clients Limited which is authorised and regulated by the Financial Conduct Authority (FCA).