KIS Bridging Loans
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Bridging Loans

We have access to all the best bridging loan providers, plus a range of exclusive facilities that are useful for applications that fall outside general lending criteria.

"At KIS Bridging Loans we will take the time to fully understand your plans and finance requirements, before finding the best possible deal on the facility that is best suited to your requirements."

As specialist bridging loan brokers we arrange the best possible finance facilities for all our clients.

We can beat any genuine bridging loan offer! [+] How are we able to do this?

  1. Being completely independent allows us access to the most competitive loan plans.
  2. On many cases our experienced team will further negotiate with the lenders to secure the best possible deals. For example:
  • Further reduced interest rates
  • Reduced facility fees
  1. We do not charge broker fees.

Extensive lending facilities

  • Bridging finance from £50,000 to £1 billion
  • Immediate in principle decisions
  • Fast funding (48 hours is possible)
  • Loan terms ranging from 1 day to 24 months
  • Up to 80% Open Market Value
  • Most competitive bridging loan rates from as low as 0.29% pm
  • No maximum age restrictions
  • All round most competitive finance deals
  • Interest roll up facilities or pay monthly
  • Poor credit history
  • No income proof
  • Non UK residents
  • All types of property and land
  • All of the UK (facilities also for Europe, USA and Canada)
  • Poor condition/dilapidated property
  • All types of construction
  • Complicated cases a speciality
  • Valuations not always required
  • 1st, 2nd, 3rd, equitable and unilateral charges available

Any purpose bridging loans commonly used for

  • Fast short term finance
  • Maintaining place in a sale chain
  • Re-Bridging
  • Auction purchases
  • Property development
  • Lease extensions and freehold purchases
  • Renovation, conversion and refurbishment
  • Payment of HMRC liability (Tax, VAT, Inheritance tax)
  • Legal and litigation fees
  • Repossessions stopped
  • Business cash injection
  • Business expansion
  • Chain breaks
  • Refinance an existing bridging loan
  • Raise funds on unmortgageable properties
  • Must have purchases, a bargain property or other item

Bridging loans can be secured on

  • Residential property
  • Property in a poor condition
  • All construction types
  • HMOs
  • Mixed use property
  • Hotels
  • Guest Houses
  • Care homes
  • Shops
  • Offices
  • Retail units
  • Leisure complexes
  • Farm land
  • Development land
  • Parking Spaces

Loan Process - Keeping It Simple

We keep the whole process of obtaining a bridging loan as simple as possible.

Initial Enquiry

Free advice > Decision in principle > Indication of terms

Phone our friendly bridging team, all of whom have considerable experience arranging bridging loans, to discuss your requirements. We will offer free advice, a decision in principle and an indication of all the costs.

Loan acceptance and a detailed quote (or quotes)

Usually within 1 to 2 hours

Once we have an acceptance we will email you at least one detailed market leading quote.


If you are happy with the terms then we can instruct valuation(s). The majority of loans require a valuation to be carried out on the security property, although a valuation is not required on many plans.

Legal works

If a loan needs to be paid out quickly, the legal work can be instructed at the same time as the valuation. Alternatively, this can be delayed until after the valuation, or until a time closer to when the loan funds are required.


Also know as Completion or Payout

Once the loan is ready funds can be release immediately or when required.

What is a bridging loan?

They are large short term loans, of amounts ranging upwards of £100,000, that use the available equity in property as security. When short term funding is required a bridging loan is often the cheapest and also quickest option.

How does a bridging loan work?

A bridge loan uses the equity in property as security for a borrowing facility. Unlike other secured loans and mortgages, a bridge loan can be set up quickly and can make use of property that would normally be considered unsuitable security for many lenders.

It is important to remember that bridge loans are a short term finance method, so should not be taken out for long periods. As a short term method of finance they have advantages over other funding methods because:

  • Many facilities do not have exit or redemption fees.
  • They can be set up quickly.
  • Can make use of property that is in a poor state of repair and therefore unsuitable security for most lenders.
  • Interest charges can be added into the bridge loan for the full term, or a set number of months, and paid when the loan is redeemed.
  • Income proof and affordability calculations are not a limiting factor if interest is added to the facility.
  • A Poor credit history is ignored by many bridging lenders.
  • Less age restrictions.

What is a commercial bridging loan?

These are typically used by individuals and businesses who require fast short term finance, and use commercial property as their security.

Commercial bridging loans are often used to...

  • Purchase property that is unsuitable security for a traditional lenders – when a buy to let or commercial mortgage is unavailable due to a property's construction, state of repair, because it is going to be converted, demolished and rebuilt, etc
  • Stop repossession – you may need to clear arrears or completely repay a lender before a property is repossesses.
  • Fulfill a large order – upon receiving a large order a business may need quick short term funding in order to buy the materials and pay staff in order accept and complete an order.
  • Pay urgent tax demands - or replace funds when an overdraft or other facility is unexpectedly called in.
  • Provide a cash injection to a business - you may need to pay bills whilst waiting for invoices to be paid or an alternative finance facility to be put in place.
  • To purchase a bargain – a property or other item may become available that can be purchased cheap if the sale can be completed quickly.

Differences between open and closed bridging loans

Before taking out any type of short term finance you need to make sure that you have an exit strategy for how you are going to repay your loan back at or before the end of its term.

Closed bridging loans

If the loan is to be repaid on a set date, for example from the sale of a property where contracts have already be exchanged and a completion date set, or from the proceeds of an investment policy due to mature of a specific date, then this is known as a closed bridging loan.

Open bridging loans

However, if there is no firm date on which the loan is to be repaid, for example the exit route is the sale of a property that hasn't yet got a buyer and could sell anytime within a week to a year, this is known as an open bridging loan.

The lenders do prefer closed loans, but for most applications these days it doesn't make that much difference with regards to finding a facility, rates and costs. This is because the bridging market is currently very competitive.

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