Finding the best bridging loan providers in 2026 means selecting a partner who understands the financial landscape and can offer flexible, reliable solutions tailored to your needs. Whether you’re a property investor, developer, or homeowner, bridging loans are an invaluable resource when quick access to capital is required.
So, if you’re looking for the best bridging loan providers in 2026, we’ve prepared the list of leaders that stand out for their experience, customer focus, and proven ability to deliver results efficiently.
TL;DR:
- KIS Finance is the best bridging loan provider in 2026 due to its ability to structure complex cases at scale, wide lender access, and consistent delivery across time-sensitive transactions.
- Bridging loans remain a short-term funding option designed to cover gaps between purchase, sale, or refinance, commonly used for auctions, refurbishments, and chain breaks.
- Typical facilities range from a few months up to 2 years, with pricing influenced by loan structure, exit certainty, asset type, and loan-to-value rather than headline rates alone.
- Strong providers differentiate themselves through speed of credit decisions, clarity around fees and exit assumptions, and experience handling non-standard property or borrower profiles.
How we established this ranking
We built this ranking using a structured, evidence-led review process focused on real-world lending outcomes rather than marketing claims. Data came from publicly available lender disclosures, FCA registers, company filings, and direct analysis of broker and lender documentation.
We assessed each provider using the following criteria:
- Product scope and stated lending parameters
- Speed indicators such as credit decision and valuation processes
- Lender model versus broker panel access
- Transparency of fees, rates, and terms
- Track record evidenced through reported volumes and longevity
Compare 10 Best Bridging Loan Providers [2026]
| Provider | Model | Primary Focus | Typical Loan Range | Notable Structural Features |
| KIS Finance | Broker | Bridging, development, secured lending | £50k – £500m | Large independent lender panel, complex deal structuring |
| West One | Direct lender | Bridging, development, residential | Up to £30m | In-house credit team, Enra Group backing |
| The Loans Engine | Broker | Bridging, secured, asset finance | £50k – £50m | Multi-lender comparison model |
| Scottish Bridging Loans | Direct lender | Bridging (first & second charge) | £30k – £1m | Desktop valuations, fast credit decisions |
| Vast Commercial Finance | Broker | Commercial, bridging, asset finance | £50k – £25m | Access to 100+ banks and specialist lenders |
| Propertyze | Broker | Bridging, development | Not disclosed | Regulated bridging and cross-border cases |
| International Property Finance Group | Broker | Expat & international property finance | Not disclosed | Foreign national and expat specialism |
| Vincent Burch Mortgage Services | Broker | Bridging | £150k+ (fee-free cases) | Defined DIP and application timelines |
| Fluent Money | Broker | Bridging, secured loans, mortgages | Not disclosed | App-based case tracking |
| Pure Property Finance | Broker | Bridging, development, commercial | From £50k | Part of a wider property finance group |
1. KIS Finance
KIS Finance, established in 2008, is a leading independent finance brokerage based in the UK, specializing in bridging loans, development finance, commercial mortgages, and secured loans. KIS Finance offers bridging loans ranging from £50,000 to £500 million with terms between 1 to 24 months, and development finance up to £1 billion. They also provide secured loans with high loan-to-value (LTV) ratios, up to 125% in some cases.
KIS Finance prides itself on its independent status, granting access to a diverse panel of lenders, ensuring tailored financial solutions, which makes them one of the best bridging loan providers in 2025.
Loan amount: £50,000 to £500 million
Based: Cullompton
2. West One
Founded in 2005, West One operates as a specialist lender serving property investors and homeowners. Its product range covers bridging finance, development finance, buy-to-let mortgages, and residential mortgages. Since becoming part of the Enra Group, the lender has increased its annual lending volume to around £1 billion. West One typically handles cases where standard high-street criteria do not apply, with an internal credit process designed for time-sensitive transactions.
Loan amount: Up to £30 million (higher can be considered upon referral)
Based: Watford
3. The Loans Engine
The Loans Engine is a UK finance broker with a long operating history, arranging funding across multiple lending categories. Its scope includes asset finance, secured lending, bridging loans, and development finance, sourced from a wide lender panel. The brokerage model relies on comparing terms, structures, and lender criteria to match each case with a suitable funding option rather than placing deals with a single provider.
Loan amount: £50,000 to £50 million
Based: Watford
4. Scottish Bridging Loans
Scottish Bridging Loans operates as a Scotland-focused lender providing first and second charge bridging finance. Facilities are secured against residential property, commercial property, and land with planning security, while loan sizes range from £30,000 to £1 million, with loan-to-value ratios up to 75% and monthly rates starting from 1%. The lender uses expedited credit decisions and desktop valuations for lower-risk cases within defined LTV limits.
Loan amount: £30,000 to £1 million
Based: Edinburgh
5. Vast Commercial Finance
Vast Commercial Finance operates as an independent brokerage arranging funding for businesses across multiple finance categories. Its remit includes property development finance, invoice finance, commercial real estate lending, business loans, asset finance, and bridging finance. The firm references access to a lender panel exceeding 100 banks and specialist funders, which it uses to structure facilities for both SME and larger commercial cases.
Loan amount: £50,000 to £25 million
Based: Cardiff
6. Propertyze
Propertyze is a UK-based brokerage focused on bridging loans and development finance. It sources funding through a multi-lender network covering bridging, development, and commercial lenders, and reports arranging over £90 million in completed facilities. The firm handles finance for investors, developers, and high-net-worth borrowers, including regulated bridging, buy-to-let, and international mortgage cases.
Loan amount: Not disclosed
Based: London
7. International Property Finance Group
International Property Finance Group arranges mortgage and property finance for UK-based and overseas clients. Its work includes expat and foreign national borrowing, with transactions linked to property purchases across the UK and selected international markets such as Portugal, Spain, Germany, the United States, and Australia. The firm reports £150 million in lending arranged over the past year and a high proportion of repeat client activity.
Loan amount: Not disclosed
Based: London
8. Vincent Burch
Vincent Burch Mortgage Services operates as an independent mortgage and bridging broker. It offers fee-free brokerage for straightforward cases above £150,000 and places bridging loans through a range of specialist lenders. Published parameters include monthly rates from 0.55% and loan-to-value ratios up to 85% for refurbishment projects, alongside defined turnaround targets for decisions in principle and full applications.
Loan amount: £0 Broker fees, for straightforward loans above £150k
Based: Norwich
9. Fluent Money
Fluent Money is a UK loan brokerage arranging bridging finance, mortgages, secured loans, and insurance products through a broad lender panel. The firm provides case tracking via a mobile application and references a cumulative level of industry experience across its advisory team. Client interaction and case progress are structured around digital account access rather than lender-only communication.
Loan amount: Not disclosed
Based: Horwich
10. Pure Property Finance
Pure Property Finance arranges property-related funding for investors, developers, and property owners. Its scope includes development finance, bridging loans, and commercial mortgages, sourced through a lender panel exceeding 100 providers. Operating within The Pure Group, the firm manages cases across buy-to-let, second charge lending, and development-led transactions.
Loan amount: From £50,000
Based: Cardiff
How to Evaluate Your Bridging Loan Needs?
After reviewing the best bridging loan providers in 2026, it’s important to focus on how to match a provider with your specific needs. To choose the right lender, consider factors like:
- Loan amount
- Repayment terms
- Speed of approval based on your situation
Some borrowers also turn to a future value calculator to assess potential investment growth and make more informed decisions about their projects. Keeping these elements in mind will help you select a provider that suits both your immediate and long-term goals.
Conclusion
Finding the best bridging loan providers in 2026 comes down to choosing a lender who can provide the right flexibility, speed, and financial support tailored to your unique needs. As the property market continues to evolve, the ability to secure a bridging loan that suits your situation can play a pivotal role in achieving your investment or development goals.
Take the time to evaluate your options carefully, ensuring you partner with a provider that aligns with your objectives and offers the right terms to move your project forward.
