From auction wins to time-critical completions, our bridging experts secure short-term finance — even for the most complex scenarios — with the right exit strategy in place from day one.
Short-Term Bridging Loans for Speed, Scale, and Opportunity
From auction wins to time-critical completions, our bridging experts secure short-term finance, even for the most complex scenarios, with the right exit strategy in place from day one.
Competitive rates
Up to 100% LTV with additional security
Offshore and complex ownership structures
Foreign nationals and non-resident borrowers
Land without planning consent
Unusual or non-standard property types
- Speed meets strategy
Bridging finance is short-term funding used when speed, flexibility, or property condition make a traditional mortgage unworkable. Whether the asset needs refurbishment, income doesn’t fit lender criteria, or timing is tight, bridging lets you complete now — with a clear exit plan for later.
How we can help:
- Negotiate market-leading terms
- Fast, precise application handling
- Seamless execution through to completion
- Add value first.
Refurbishment finance provides short-term capital for properties that require enhancement before qualifying for long-term finance or achieving full market value. From cosmetic upgrades to complex structural conversions, we tailor funding solutions with staged drawdowns and a clearly defined exit strategy — ensuring every project is set up for success.
How we can help:
- Conversion to Flats & HMOs
- Extensions & Conversions
- Light & Heavy Refurbishment
- Complete with confidence.
Auction finance delivers fast, flexible funding to meet strict completion deadlines — typically within 28 days. Whether you’re a first-time buyer or experienced investor, we secure the finance you need to complete on time, with a clear exit plan. From pre-auction approvals to post-auction refinancing, we help you move with certainty when it matters most.
How we can help:
- Funding within 28-day completion windows
- Pre-approval before the auction
- Post-auction refinance strategies
Tailored Lending Advice, Built Around You
We work with leading banks and private lenders to tailor finance solutions that align with your needs — not just your paperwork.
Why Clients Choose Key Capital
We work closely with clients to secure better terms, unlock opportunities, and deliver long-term financial confidence. Whether your situation is straightforward or more complex, our experience across residential, commercial, and specialist finance ensures you receive clarity, insight, and a smooth path to completion.
Tailored Advice, Not Templates
Bespoke lending strategies shaped around your goals and informed by market insight.
Market Insight & Negotiating Power
Direct access to decision-makers at 100+ lenders, from private banks to specialist funds.
Efficient Execution
We align lenders and legal teams to keep your transaction moving with clarity and confidence.
Long-Term Partnership
We act as a discreet, long-term advisor — from first acquisitions to complex portfolio strategies.
Speak to a Specialist
By submitting this form, you agree to be contacted by our team.
Frequently Asked Questions
Whether you’re new to bridging or comparing options, we’re here to make things simple. Explore the FAQs or get in touch for personalised guidance.
We can typically secure bridging finance within two to three weeks, depending on the complexity of the case. Pre-auction approvals and urgent completions can often be fast-tracked to meet tighter deadlines.
Most bridging loans are repaid via sale of the property, long-term refinancing, or release of funds from another asset. We’ll help you plan the exit strategy from the outset.
In many cases, interest can be rolled up and paid at the end of the term. This allows you to preserve cash flow during the loan period. We’ll structure it around your needs.
Yes. We regularly arrange bridging finance for international clients and complex ownership structures, including offshore SPVs and non-UK residents.
