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Beyond Finance:
Unlocking the Potential in Every Property

With rates starting from 0.69% and our commitment to fast, flexible finance we can promise and deliver timely solutions to your clients

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We specialise in Bridging Finance for Property Owners and Investors in the UK

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Reduced Interest Rates Now Starting from 0.69%
Dual Representation
AVM’s Can Be Considered
Use of Title Insurance
Lending on Below Market Value Properties
Reduced Solicitors & Underwriting Requirements
Team

Ascot Bridging Finance: Your Partner in Short-Term Bridging Finance

We understand the crucial need for swift and reliable financial options to support your next property deal. With rates starting from 0.69% and our commitment to fast, flexible finance, we promise and deliver timely solutions tailored to your clients’ needs.

Our team of experts is dedicated to supporting brokers and clients by offering a comprehensive range of products designed to meet diverse client needs. We ensure you have all the information and tools necessary to seize every opportunity and deliver exceptional service to your clients.

Our bridging finance loans come with flexible terms ranging from 3 to 18 months, each offering unique features to suit various financial scenarios. Whether your clients need short-term funding to navigate a challenging period or to capitalise on a new opportunity, we have the right solutions.

About Us
Bridging Loans
Development Finance
BMV Property Finance
Refinance
Refurbishment Bridge
Scotland Loans

Our Partners

JMV
Lightfoots
NCI (2)
WM (2)
Method
vextrix
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Pure
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Testimonials

Join the brokers who we have worked with

Highly recommended! Ascot have just lent funds for a project other lenders either wouldn't do or wouldn't lend sufficient funds for. Its not a case of being a bad deal, there were just various issues other lenders wouldn't take the time to see past or said 'doesn't meet criteria'. Ascot however took a completely flexible bespoke approach - just what you need from a bridging lender. Happy broker, happy client!
Lisa O.
An absolute pleasure to deal with as a Broker. Transparent, Fast and did what they promised!
Michael P.
Quick, efficient and very helpful. Always available and attentive to the clients and Brokers needs...nothing was too much....I would highly recommend.
Sean C.
WoW Kevin and his team are Ace! I have used the sister company (Ascot Mortgages) as my broker for several years now but never considered the bridging arm of the company. When another bridging lender (whos logo is cute purple 8 limbed Cephalopod) pulled out of our bridging loan after taking fees and insisting on a humongous over-priced survey on what we consider a spurious pretext (not related to the value or condition of the property) Kevin and his team stepped in. I highly recommend their excellent communication, advice, honesty and ability to move fast when needed.
Charmaine L.
Professional, transparent, approachable lender with great service. I have dealt with the team for years and they only get better.
Nathan R.
Was given a great deal of time and guidance on getting our last property transaction though which required bridging finance. In fact with out Ascot's follow through, this transaction would not have taken place. Would recommend Ascot's financial services to any one in, or entering the property market.
Michael T.
As a broker, I use Ascot all the time as the team are incredibly helpful/friendly which make our lives easier in a fast paced market. My clients always report a great customer experience from them and I'll continue to use Ascot as one of our main Bridging lenders in the future.
Joe J.

Bridging Loan

  • • Unregulated loans for residential property
  • • 1st Charge only - can consider a 2nd Charge inconjunction with a 1st charge
  • • £37,500 – £1,000,000
  • • Max LTV 75%
  • • Max 18 month term
  • • Properties in England, Wales and Scotland Only
  • • Additional Security can be considered
  • • We can lend on open market value
  • • Dual Legal Representation offered
  • • Commercial/semi-commercial can be considered on a case by case basis
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Refinance

  • • Unregulated loans for residential property
  • • 1st Charge only - can consider a 2nd Charge inconjunction with a 1st charge
  • • £37,500 – £1,000,000
  • • Max LTV 75% If refinancing an existing bridge, Max LTV 70%
  • • Max 18 month term
  • • Properties only in England, Wales and Scotland
  • • We can lend on open market value
  • • Dual Legal Representation offered
  • • Additional Security can be considered
  • • Commercial/semi-commercial can be considered on a case by case basis
Learn More

Refurbishment Bridge

  • • Unregulated loans for residential property
  • • 1st Charge only - can consider a 2nd Charge inconjunction with a 1st charge
  • • £37,500 – £1,000,000
  • • Max LTV 75%
  • • Max 18 month term
  • • Properties in England, Wales and Scotland Only
  • • Additional Security can be considered
  • • We can lend on open market value
  • • Dual Legal Representation offered
  • • Commercial/semi-commercial can be considered on a case by case basis
Learn More

Development Finance

  • • Unregulated loans for residential property
  • • 1st Charge only - can consider a 2nd Charge inconjunction with a 1st charge
  • • £37,500 – £1,000,000 (Higher upon director approval)
  • • Max LTV 65%
  • • Max 18 month term
  • • Properties in England, Wales and Scotland Only
  • • Additional Security can be considered
  • • We can lend on open market value
  • • Dual Legal Representation offered
  • • Commercial/semi-commercial can be considered on a case by case basis
Learn More

Scotland Loans

  • • Unregulated loans for residential property
  • • 1st Charge only - can consider a 2nd Charge inconjunction with a 1st charge
  • • £37,500 – £1,000,000 (Higher upon director approval)
  • • Max LTV 75%
  • • Max 18 month term
  • • All areas in Scotland considered
  • • Additional Security can be considered
  • • We can lend on open market value
  • • Sole Legal Representation offered
  • • Commercial/semi-commercial can be considered on a case by case basis
Learn More

BMV Property Finance

  • • Unregulated loans for residential property
  • • 1st Charge only - can consider a 2nd Charge inconjunction with a 1st charge
  • • £37,500 – £1,000,000 (Higher upon director approval)
  • • Max LTV 75%
  • • Max 18 month term
  • • Properties in England, Wales and Scotland Only
  • • Additional Security can be considered
  • • We can lend on value rather than the purchase price allowing 100% funding or more
  • • Dual Legal Representation offered
  • • Commercial/semi-commercial can be considered on a case by case basis
Learn More

Case Studies

From 2-Bedroom to 4-Bedroom HMO

From 2-Bedroom to 4-Bedroom HMO

The client needed funds to purchase a 2-bedroom house to convert into a 4-bed HMO. The value of the security…
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From 8-Bed Residential to High-Yield HMO

From 8-Bed Residential to High-Yield HMO

The borrower was looking to purchase a property which was an 8-bedroom residential property that was in deed of refurbishment…
View Full Case Study
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Most Popular Questions

Bridging finance is a short-term loan designed to provide immediate funds while waiting for more permanent financing or the sale of an asset. It is commonly used in property transactions to 'bridge' the gap between the sale of one property and the purchase of another.

Bridging loans are usually available for terms ranging from a few weeks to 12 months. Some lenders may offer longer terms, but bridging finance is generally intended as a temporary solution.

Bridging finance is often used for:

  • Property purchases, especially at auctions.
  • Funding renovations or refurbishments.
  • Bridging the gap between the sale and purchase of properties.
  • Business purposes, such as urgent capital requirements or paying unexpected bills.

There are two main types of bridging finance:

  • Closed bridging finance: This has a fixed repayment date, usually aligned with the completion of a known event, like the sale of a property.
  • Open bridging finance: This does not have a fixed repayment date, although there will be an agreed timeframe, usually up to 12 months.

Key features include:

  • Short-term duration.
  • Lending where term mortgages are not available.
  • Quick access to funds, often within a few days.
  • Flexible lending criteria, with focus on the value of the property used as security.

Interest on bridging loans is typically higher than standard mortgages due to the short-term nature and risk involved. It can be paid in one of three ways:

  • Serviced: Pay the interest each month.
  • Rolled-up: Interest is added to the loan and paid at the end of the term.
  • Retained: Interest for the full term is deducted from the loan amount upfront.
We specialise in Bridging Finance for Property Owners and Investors in the UK.
Mon - Thur 9am - 5:30pm | Fri 9am - 3pm
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*Privacy Notice - Any information provided will be treated with confidentiality and will only be accessible within Ascot Bridging Finance

Ascot Bridging Finance Ltd ( Reg No 07664649), Ascot Bridging Finance 2 Ltd (Reg No 12198771), Ascot Bridging Finance 3 Ltd (Reg No 13276850) and Ascot Bridging Finance 4 Ltd (Reg No 13970023) are registered in England and Wales.
Registered office: 8 Webster Court, Carina Park, Warrington, Cheshire, England, WA5 8WD. © Ascot Bridging Finance 2025. All rights reserved.