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. 


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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 85% 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


How Montpelier Private Finance Assists Our Clients

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. 

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.  

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.

Current Products 

Montpelier Private Finance sources funding from, but not limited to, family wealth offices, challenger banks, high street banks, private funds, pension funds and offshore institutions.  Below are just a small selection of the current funding opportunities offered by our lending partners.

Up To 70% LTV On Land With Or Subject to Planning

Bridging Finance Up To 85% LTV

  • No valuations or personal guarantees up to 65% LTV

  • Below market value properties accepted

  • Cosmetic works are permitted

  • Funding terms up to 12 months with no minimum term

  • Up to 75% LTV for foreign nationals

  • Funding available across England and Wales

  • A private lender with a flexible approach to development sites with or subject to planning consent.  

  • Up to 70% LTV gross lending

  • Loans from £0.5m - £30m

  • Coupon from 9% pa

  • All asset classes considered

  • Loans can be executed in just 2 weeks

  • Funding available across England, Scotland and Wales with a focus on urban/brownfield locations

Refurbishment Finance at 75% LTV

  • No interest is retained from the day 1 lend meaning close to 75% net LTV can be delivered

  • Loans from £500k - £15m 

  • A lender that is flexible on experience

  • No Monitoring Surveyor required

  • Also available for bridging and developer exit finance

  • Funding available across England


Case Studies

Purpose built student accommodation kitchen/diner

Funding at 103% loan to purchase price

94% LTV net facility

Client was able to redeploy funds

Semi-commercial properties in London

Semi-commercial asset in London

68% LTV net facility

Valued on a cumulative/break up basis without leases prior to completion

South East London street with HMO properties

HMO conversion in South East London

A complex funding requirement

Funding achieved on a 15 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