Bridging Loans

Bridging Finance is a short-term loan used to “bridge” the gap between the purchase of a property and its sale or refinance. It’s commonly used in real estate transactions where speed and flexibility of execution are key and is typically repaid within a a year. Bridging Finance is secured against residential, semi commercial or commercial property and is ideal for property buyers, investors, or developers needing quick funding for time-sensitive opportunities.
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  • Residential Bridging Loans
  • Commercial Bridging Loans

Max LTV: 75%

Loan Size: £100k - £2.5m

Loan Term: 12 months

How Bridging Finance Works with Seneca Bridging

Fast, Flexible, and Tailored to Your Project Needs

Seneca Bridging specialises in offering short-term, unregulated bridging loans at Market Leading LTV’S, for residential and commercial properties (excluding owner-occupied homes). These loans are designed for investors, developers, and property professionals requiring urgent capital—whether for purchase, minor refurbishment, auction acquisition, or refinancing.

Key Features

  • Fast Decisions: Initial responses typically delivered within hours—perfect for time-sensitive situations like auction purchases.
  • Loan Size: £100,000 – £2.5 million.
  • Loan-to-Value (LTV): Up to 75% of the end value (Gross Development Value or market value), with flexibility available on a case-by-case basis.
  • Desktop valuations are available
  • Term: Usually up to 12 months, but occasionally longer if LTV can support it.
  • Interest Roll-Up: Interest can be “rolled up” and repaid at exit, easing cash-flow pressure during the loan term.
  • Interest Serviced: Interest can also be “serviced” allowing a larger day 1 cash drawdown (subject to serviceability).
  • Exit Strategy Required: Clear repayment strategy—such as sale or refinance—must be established at the outset.
  • Security: First legal charge on the property is required.
  • Transparent Costs: Arrangement fees typically start at 1%. No early repayment or exit fees, and no hidden admin charges.
  • Unregulated Product: these Bridging loans are not FCA-regulated, they are not available for owner-occupied residential properties.

Our Bridging Rates

  • We aim to give you an initial response within a couple of hours of receiving your enquiry.
  • LTVs up to 75% gross against 180 day VP.
  • We price on risk, the lower the risk the lower the rate.
  • Arrangement Fees from 1% - unlike many of our competitors we do not charge ad hoc administration fees.
  • We do not charge any fees for initial engagement or early redemption.
  • No exit fees, minimum 6 months loan term.
  • We always ensure the valuers, solicitors and lawyers who represent our interests offer the right mix of price, speed and expertise.
  • We aim to pay introducer fees on the day of completion.

Why Choose Seneca Bridging for Bridging Finance?

Speed and Efficiency

Quick decision-making ensures you don’t miss key opportunities.

Market leading LTV’s

LTVs up to 75% gross against 180 day VP.

Flexible, Risk-Based Pricing

Interest and fees are tailored to the specifics of your transaction.

Clear and Honest Terms

Transparent fee structure with no early repayment or hidden costs.

Hands-On, Trust-Based Service

Seneca values relationships, personally engaging with you and your project every step of the way, ensuring alignment and confidence.

Lending Process

Initial Enquiry & Assessment

Begin with a swift conversation to understand your project and clarify your exit strategy. Seneca often responds within hours.

Structuring the Loan

Loan parameters—amount, fees, and terms—are determined according to project risk and end value, ensuring the structure aligns with your goals.

Property Visits & Relationship Building

Seneca prefers personal engagement—visiting the property and meeting the borrower and or introducer—to build trust and evaluate details effectively.

Desktop valuations are available

Loan Completion & Funding

Once terms are agreed, completion can be rapid, ensuring you can act decisively on opportunities like auctions or refinance deadlines.

Funds in Action & Interest Roll-Up

Funds are utilised for purchase, light refurbishment, or refinance—while interest accumulates and is repaid at the exit point.

Exit & Repayment

The loan is repaid by either refinancing or selling the property, with interest and fees settled at the final stage.

What does a good bridging loan look like?

  • The property is owned by you or your company or, where the loan is to support a purchase, the property will be owned by you or your company.
  • The property is located in England, Wales or Scotland.
  • You have an idea of the value of the property.
  • You are familiar with bridging finance and how it works.
  • We consider most asset classes for the purposes of secured lending, though there are a small number of exemptions, such as land without planning permission, Nursing Homes and Operating Hotels.
  • You have a clear and viable exit strategy. If the exit strategy involves refinancing the security to a long-term lender, we’ll assess the loan in line with standard industry criteria.

Bridging Loan Case Studies

£1.3m Refinance & Capital Raise in Cumbria

Funded:

£1.3M

Location:

Property Type:

Commercial

Funding:

Bridging Loan, Capital Raise

Read article

Lightning-fast auction purchase: £180,000 light refurbishment in Nottingham

Funded:

£180,000

Location:

Property Type:

Residential

Funding:

Bridging Loan, Refurbishment Loan

Read article

Second Completed Deal in August for Portfolio Landlord

Funded:

£101,261

Location:

Property Type:

Residential

Funding:

Bridging Loan

Read article