Bridging Finance

Bridging Finance | Auction, Chain Break & Short-Term Property Loans | EAS Finance

Bridging Finance – Speed, Certainty, Control

Bridging finance is often used by developers to secure a site quickly, particularly when purchasing at auction or when timing is critical. Once planning, design, and build costs are confirmed, the borrowing can then be refinanced into a structured development finance facility to fund the construction phase.

A bridging loan can be the difference between securing a site and losing it. For property developers across the UK, EAS Finance arranges fast, flexible bridging loans for site acquisition, auction purchases, refurbishment projects, and development exits.

We work with specialist bridging lenders who understand development - meaning faster decisions, realistic terms, and no last-minute surprises. Loans from £100,000, typically completing in days rather than weeks.

Bridging loans are short-term secured loans designed to provide fast access to funding. They are commonly used by property investors, landlords, and developers to seize opportunities that can’t wait for traditional mortgage timescales.

Whether you need to buy at auction, fund a refurbishment, resolve a chain break, or purchase a non-mortgageable property, bridging finance offers a practical solution.

The Need For Speed

When to Use Bridging Finance

Auction Purchases: meet the 28-day deadline and protect your deposit

Chain Break Solutions: secure your next property before your sale completes

Refurbishment Projects: fund works that make a property mortgageable or sale-ready

Cashflow Solutions: release equity tied up in property to seize opportunities or meet urgent commitments

Development Exit Finance: extend your selling period or refinance without pressure

Land Bridging: pre-planning purchases

Loans at up to 85% of the purchase price: Day 1 for refurbishments AT BANK RATES.

Planning Permission Loans: up to 90% of the market value of the land.

Loans to Expats / Foreign Nationals / Charities / Trusts / Associations / Adverse Credit

Land Purchase without planning / complex title transactions. Where the exit comes from an uplift in trading performance.

Whatever the challenge, we make sure funding is ready when you need it

Why Clients Choose Us

Rapid turnaround: decisions in principle often within hours, with funds available in as little as 5–7 days

Flexible lending: residential, commercial, mixed-use, and land (with or without planning)

Access to specialist lenders: including those comfortable with unusual property types, complex titles, or historic credit issues

Clear exit strategies: ensuring your bridge is a stepping stone, not a stumbling block

Upfront transparency: all fees and terms are explained before you commit

Bridging Pitfalls To Avoid

Bridging loans are powerful tools, but without the right plan, they can quickly become costly. Common mistakes include:

No clear repayment route without a planned sale or refinance, you risk expensive extensions or forced sales

Leaving finance too late: delays in arranging bridging can cause missed deadlines and lost deposits

Overlooking lender criteria – some lenders reject certain property types or conditions, causing wasted time

Underestimating costs – arrangement fees, valuations, legal costs, and exit fees all need to be factored in

Using bridging as long-term finance – it’s a short-term solution; the longer it runs, the more it costs

How We Make Bridging Work For You

Understand your objective, and match you with a lender who can deliver on time

Prepare a lender-ready case: avoiding delays caused by incomplete applications

Run legal and valuation steps in parallel: compressing timelines

Plan the exit on day one: so repayment is smooth and predictable

While bridging provides immediate capital, many of our clients eventually transition into long-term Development Finance once the project is lender-ready.

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Bridging Finance