A Trusted Bridging Loans Broker

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 used to complete on a property within a tight deadline, typically used by property owners, investors and developers.

Bridging loans are often used by people who are looking to avoid property chains and the lengthy application process of getting a mortgage. Rather than wait several weeks or months for a mortgage to go through, customers can apply for a bridging loan and receive the money in one lump sum in a few working days.

This type of short-term finance typically lasts from 3 to 24 months and is most popular for people trying to move home or property developers looking to make a quick sale on a hot property or something bought at an auction.

Why Should You Use a Bridging Loan Broker Like Octagon Capital?

Using a bridging loans broker can help you find the most competitive rates from across the market – and find the best quote for your project.

Unlike typical banks and mortgage providers, bridging loans can be a lot more tailored and personalised to suit your requirements – and working with a broker like Octagon Capital can help you explore all of these options.

Whether you are looking for the best rates or to receive funds as quickly as possible, we are here to help.

Depending on your application, you may find that you are better for a non status bridging loan or development finance product. Speaking to our dedicated advisors from SPF Short Term Finance can help advise you and find the best products and terms for you.

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

How to Apply For a Bridging Loan with Octagon Capital

Step 1: Make an Initial Enquiry

You can start your application by making an initial enquiry using the form provided, sending us an email at sales@octagoncapital.co.uk or calling us on 0333 414 1491.

Start by telling us how much you would like to borrow, how long for and some information about the property, such as the address, current value, the type of property it is and your plans for it.

Step 2: Get an Offer

We can usually provide an Offer in Principle in just a matter of hours. This outlines the terms that we are willing to lend on, including our best rate possible, subject to a valuation and further due diligence. Once this is signed by you, we are ready to proceed with the next steps.

Step 3: Get a Property Valuation

We require a property valuation subject to approval, which must be completed by a RICS surveyor. If you have undertaken one before applying, this may be viable. We will just need to check how recently it was conducted and the outcome. A valuation can often be completed within a week.

Step 4: Complete with Solicitors

We will send your solicitor our checklist of requirements. If the valuation and other documents have come back positively, we can issue you with a mortgage deed to sign.

Step 5: Your Funds Are Released

As soon as our solicitors receive the requested documents, we are ready to proceed with your bridging loan. We are able to complete the application from start to finish in 2 to 4 weeks – or sometimes sooner.

Am I Eligible For a Bridging Loan?

Our eligibility criteria is as follows:

  • Borrow minimum of £50,000
  • UK, Scotland and Wales
  • Must be over 18
  • Must have an exit strategy
  • Residential, commercial, mixed properties, HMOs considered
  • Bad credit considered
  • Every property is subject to a valuation

We also offer non status bridging loans, which means that we are willing to take a view on people with adverse credit histories and no proof of income.

Instead, we are interested in the potential value of your property and your plans. Hence, having a plan of action, an indication of costs and exit strategy will help with getting your application approved for funding.

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).