Fast Track Finance

Bridging Finance Made Simple

Secure a property purchase for your clients with our fast, flexible bridging finance solutions. From auction purchases to chain breaks, we can provide terms in under an hour and complete in just days.
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Terms issued in under an hour
Regulated LTVs up to 75%
Non-regulated LTVs up to 90%
Bridging Calculator

Get instant rates for your clients

Instant indication • No obligation • FCA regulated

Why Choose Our Bridging Finance?

Quick Completions

Fast approval processes with decisions in under an hour, great when time is of the essence

Up to 90% LTV

Can also use additional security to secure more.

Flexible Terms

Tailored solutions from 1-36 months with options for interest roll-up or monthly payments

Beat the Quote

We will beat any non-regulated bridging finance quote on a like-for-like basis

Bridging Finance Scenarios

There are a whole host of situations where a bridging loan could help your clients. From homeowners to business owners, bridging can be used to support borrowing for almost any purpose.

See our bridging finance case studies here.

Property Purchase

For your clients looking to secure properties quickly at auction or in competitive markets

Chain Break

Secure a purchase prior to sale to save those stalled transactions.

Refurbishment

Suitable for clients looking to make property improvements or complete renovations.

Investment

For your clients wanting to capitalise on time-sensitive investment opportunities.

What Our Clients Say

"At very short notice, the team at CSF quickly pulled a proposal together with a specialist lender and they were obviously up for the challenge to meet our tight deadline."

Lee Philbrock

"Very helpful in getting complex cases and specialist cases over the line with the main benefit of getting very good rates but at such a quick speed."

Jack Cousins

Lending Criteria at a Glance

Loan Amount
From £25,000+

Flexible loan sizes for all property types

LTV
Up to 90%

Competitive loan-to-value ratios

Term
1-36 months

Flexible terms

Property Types
All accepted

Residential, commercial, land, and development

Speed
Quick decisions

From application to completion

Rebridge
Rebridging

Rebridges available if your client needs more time

Ready to Partner with Crystal?

Join our network of successful brokers and start completing your complex cases today.

Become a Partner Call Our New Business Advisers - 01827 337710

Bridging finance FAQs

Bridging finance is a short-term loan secured against property or land, used to bridge a gap until a longer-term solution is arranged or the underlying asset is sold. It is often used when speed matters and a mainstream mortgage would take too long or simply not fit the situation. For brokers, bridging is less about a generic product definition and more about knowing when short-term funding is the right tool for the case.

Bridging finance is useful when a client needs funds quickly.. Common examples include auction purchases, chain breaks, refurbishments, below market value opportunities, capital raising, and development exit. It can also help when a property is not yet suitable for mainstream lending. The key is not just the reason for borrowing, but whether the case has a sensible and credible plan for repayment at the end of the term.

Some bridging cases can move very quickly, especially where the information is complete, the exit is clear, and the legal route is straightforward. At Crystal, we have completed on bridging finance in as little as 8 hours from initial application to funding. Speed will depend on the case, the lender, the valuation route, the solicitors, and how well the deal is packaged from the start.

Regulated bridging usually applies when the loan is secured against a property that the borrower or their family lives in, or will live in. Unregulated bridging usually applies where the property is for investment, commercial use, or another business purpose. That distinction matters because it changes both the regulatory requirements and, in some cases, the lender options available.

A strong exit strategy is clear, realistic, and supported by the facts of the case. That might mean a sale already in motion, a refinance onto a term product, or another planned release of capital. What lenders want to see is not just an idea, but a route that stands up to scrutiny. If the exit relies on too many assumptions, or if the timescale looks too optimistic, the case becomes harder to place.

The document list varies by lender and scenario, but brokers should usually expect to provide core details about the client, the security property, the loan purpose, and the proposed exit. Supporting documents may include ID and verification, property information, company documents where relevant, bank statements, proof of deposit or funds, and any paperwork linked to the exit. The more complete the file is at enquiry stage, the easier it is to assess appetite and avoid delays later.

One of the reasons bridging is so flexible is that it can work across a wide range of security types. That may include residential, semi-commercial, commercial, mixed-use, land, and more unusual property, subject to lender criteria. The property itself is only part of the picture though. Lenders will also look at condition, location, value, and how the proposed exit stacks up alongside the security.

Yes, these are some of the most common bridging scenarios. Auction purchases often need speed. Refurbishments may involve a property that is not yet mortgageable. Chain breaks need a temporary funding solution while another transaction catches up. Development exit can give a developer breathing room at the end of a project, either to sell units or refinance in a more measured way.