Bridging Finance Funding Solutions

Auction finance available

All asset classes welcome

1st, 2nd and 3rd charge loans

Non status/credit impaired welcome

Residential up to 80% LTV

Semi Commercial & Commercial up to 75% LTV

Land with planning up to 70% LTV

Terms from 1-36 months

No monthly payments

Interest deducted from loan, serviced monthly or rolled up

Flexible Funding

The great thing about bridging finance is the flexibility of the product, which offers a multitude of options for borrowers.  Whether it's to fund an auction purchase, light or heavy refurbishment, a commercial or residential property, there will be a market leading funding solution for you.  

Finance At Pace

There may be a variety of uses for bridging finance but the one thing that every circumstance demands is the need for the finance quickly.  When the clock is ticking working at pace is invaluable.  Our experience means that your application will proceed to completion in the quickest possible timeframe without the hold ups. 

The Right Finance Package

Wherever you look for bridging finance solutions there will be an amazing monthly interest rate advertised.  But the rate isn't typically the full story, with a number of additional charges such as early repayment charges (ERC's), exit fees and admin fees potentially attached.  We will take the time to understand what is best for your circumstances, and ensure you secure the best funding package on the market.

Modern bridge structure

Bridging Finance

Whether it is a quick purchase or refinancing an existing asset, we are a bridging finance broker that works at pace to get the best solutions in place when you need it.  Full market access means that we can secure the very best funding terms from one of over 170 lenders. 

Case Studies

MontpelierPF achieved terms at 68% net (interest rolled up above this) for a developer exit loan, secured against a semi commercial asset in London.  Priced at an extremely attractive 0.65% per month and on a cululative/break value basis, despite leases not being created on/before completion.  There was a shortfall in the level of funds required to settle the development finance lender but these were achieved by way of a 2nd charge (for business purposes) against the borrowers home, once again at the 0.65% per month.  We were delighted to work with such a proactive can-do approach lender.  

Development Exit at 68% net LTV


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PBSA Bridging at 103% loan to contract purchase price

Our seasoned developer client had exchanged contracts for a consented Purpose Built Student Accommodation scheme (PBSA) for a nominal consideration, with a long-stop completion.  The developer utilised the 9mths between exchange and completion to improve the existing internal configuration through a Section 73 agreement, thus enabling an additional 27 beds.  This uplift in the number of beds achieved an increase on the Residual Land Value of £1.5m, even before our client had completed on the acquisition.


The developer, who typically acquires half a dozen sites a year, needed to commit as little of his own funds as possible to enable completion, whilst ensuring he retains a healthy cashflow.


Facility Provided: We secured bridging finance; leveraged against the uplifted Residual Land Value for this purchase, rather than against the contract purchase price.  Ultimately achieving a gross advance of 103% loan to contract purchase price / 94% net.   Pricing was at 1% per month, with a 2% lender facility fee and no exit fee, over a 9 month term


Bridging  Finance Explained

Want to learn more about bridging finance?

If you are new to development finance and want learn more about how to procure finance visit our 'Bridging Finance Explained' page.  Areas covered include:

  • The different uses for bridging finance

  • The costs involved in bridging finance

  • The advantages and disadvantages of bridging finance


Why Montpelier Private Finance?


Our independence means that we are on your side throughout the whole process. No bias or affiliations, just working for what's best for you and your circumstances. 


It's not just about finding the best rate.  Our reputation with lenders for thorough due diligence means that your application will be viewed with enhanced credibility.  


Securing funding can be stressful and complicated. We remove that by managing the process from end to end.  You are always kept informed and never have to chase us for updates 

Montpelier Private Finance Limited is registered in England and Wales No. 07045306. Registered office: 162-164 High Street, Rayleigh, Essex SS6 7BS. Trading address: Old House Farm Barn, Oldhouse Lane, Coolham, RH13 8QP.  All rights reserved. Montpelier Private Finance Limited is authorised and regulated by the Financial Conduct Authority (No. 727149) The FCA does not regulate some mortgage contracts, please ask for details. Telephone calls may be monitored or recorded for training purposes.   

We may charge a fee for our advice. We may also be paid commission from the lender.

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