Frequently Asked Questions

BridgFunder London is a specialist commercial finance brokerage supporting property developers, landlords, and SME business owners. We're FCA-regulated and provide access to 300+ lenders, helping you find the right funding solution for your project on good terms and at pace.

BridgFunder London is an Appointed Representative of White Rose Finance Group Ltd (FCA FRN 630772). Some commercial, bridging and development finance products are not regulated by the FCA, but we operate with full transparency and integrity in all our dealings.

Timelines vary by product and project, but bridging finance can be arranged quickly—sometimes within days. Development finance and mortgages typically take 2-8 weeks depending on complexity. Once we understand your project, we'll give you realistic expectations and work to meet your deadline.

We follow three simple steps: Review your project and goals, Strategy to find the best solution with realistic terms, and Funding to get money in your account. We're transparent at every stage and always explain what's happening.

Bridging finance is short-term funding designed to "bridge" a gap—usually between buying a new property and selling an existing one, or to fund a quick project turnaround. It's flexible, fast, and structured around your exit plan (sale of current property, development completion, etc.).

Most bridging loans run between 6-18 months, though we can arrange longer terms if needed. The key is having a clear exit plan—when will you sell the property, complete the development, or refinance? We structure the loan around your timeline.

We bridge residential (buy-to-let, HMOs, multi-units), development, commercial, and mixed-use properties. We can also bridge investment portfolios and development schemes. If you're unsure whether your property qualifies, get in touch—we can advise.

Typically: proof of the property purchase or sale, copies of current mortgage statements, recent bank statements, identification, and a clear explanation of your exit plan. We'll let you know exactly what's needed after our initial chat.

Development finance funds renovation, conversion, or new-build projects. It's typically structured in stages, with funds released as work progresses and milestones are met. It's designed for developers who want capital now and will exit via refinance or sale once the project is completed.

Refurbishments, conversions, new-build, ground-up schemes, extensions, or any development project. Funds can cover acquisition, build costs, professional fees, and contingency. We assess each project individually.

Typically 2-6 weeks, depending on project complexity and the detail of your plans. We'll need planning permission (or evidence you'll get it), building surveys, architect plans, and a realistic budget. The clearer your project, the faster we can move.

We work with experienced valuers who assess the current property value and projected value on completion. This helps us calculate loan-to-value (LTV) and lending decisions. Some projects we assess in-house; others require a full survey. We'll explain what's needed upfront.

Buy-to-Let (BTL) mortgages are for a single rental property or a few properties—lending is assessed on the rent you'll collect. Portfolio mortgages are for landlords with multiple properties (typically 5+), and lending can be assessed on your overall portfolio strength, income, and equity rather than individual property rents.

Yes. HMO mortgages are available, but often have stricter lending criteria, higher interest rates, and may require a Mandatory Licence (depending on the property). We'll advise you on the best options for your property type and situation.

Many lenders will use projected rental income if you're a new landlord. You'll need evidence: letting agents' valuations, comparable market rents, or a professional rent assessment. If you have other income or equity, that helps too.

Absolutely. We specialize in BTL refinancing to unlock equity for further investment, improve rates, or change lenders. We'll review your portfolio, find the best options, and handle the whole process.

A commercial mortgage is a loan secured against a property used for business purposes—shops, offices, restaurants, industrial units, mixed-use buildings, etc. Lending is typically assessed on the property's income (rent, business turnover) and capital value.

Retail, offices, warehouses, industrial, restaurants, pubs, gyms, hotels, care homes, agricultural buildings, and mixed-use schemes all qualify. We can advise on hybrid properties (part residential, part commercial).

Commercial mortgages typically run 5-25 years, though terms vary by lender and property type. Interest-only or capital & interest repayment options are available. We'll explore all options and find what works best for your business.

Asset finance (machinery, vehicles, equipment), invoice finance (factor unpaid invoices for quick cash), merchant cash advances (based on card turnover), revolving credit facilities (ongoing working capital), and business loans. We assess each business individually.

Vehicles, machinery, equipment, tools, software licenses, and other business assets. If it has resale value and can be secured, we can often finance it. Different lenders have different rules, so we'll find the right match.

It helps, but it's not the only factor. Many lenders assess business lending on business performance, bank statements, and trading history. If you've had credit issues in the past, we can still explore options—let's discuss your situation.