Finding the best bridging loan providers in 2025 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 2025, we’ve prepared the list of leaders that stand out for their experience, customer focus, and proven ability to deliver results efficiently.
1. KIS Finance
KIS Finance, established in 2008, is an independent finance brokerage based in the UK, specializing in bridging loans, development finance, commercial mortgages, and secured loans. The company 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.
Loan amount: £50,000 to £500 million
Based: Cullompton
2. West One
West One, established in 2005, is one of the largest specialist lenders in the market, offering a range of financial products for property investors and homeowners. Their services include bridging loans, development finance, buy-to-let mortgages, and residential mortgages. Since joining the Enra Group, they have expanded significantly, originating £1 billion in loans annually. The company emphasizes a personal approach and agility, offering quick, tailored lending solutions when mainstream finance options are inflexible.
Loan amount: Up to £30 million (higher can be considered upon referral)
Based: Watford
3. The Loans Engine
The Loans Engine is a specialist finance broker with nearly 40 years of experience, helping customers across the UK secure suitable finance solutions. As one of the best bridging loan providers in 2025, the company is known for its extensive network of lenders, offering a diverse range of financial products, including asset finance, secured loans, bridging loans, and development finance. Unlike many brokers, they take a comprehensive approach by comparing options from numerous lenders to find the best solution for each client’s needs. Their focus on finding bespoke solutions for customers has built their strong reputation in the finance industry.
Loan amount: £50,000 to £50 million
Based: Watford
4. Scottish Bridging Loans
Scottish Bridging Loans, based in Edinburgh, is the only bridging lender originating from and focused entirely on Scotland. They specialize in first and second charge bridging loans secured against residential, commercial, and land with planning security. Their loan amounts range from £30,000 to £1 million with loan-to-value (LTV) ratios up to 75%, offering rates from 1% per month. Scottish Bridging Loans is known for its quick decision-making process, with terms issued within an hour and desktop valuations available up to 70% LTV.
Loan amount: £30,000 to £1 million
Based: Edinburgh
5. Vast Commercial Finance
Vast Commercial Finance, based in Cardiff, Wales, focuses on helping businesses find the most suitable finance options while they manage their day-to-day operations. With over 40 years of experience, they have access to a vast panel of over 100 banks and lenders, ensuring that they can offer competitive rates for property development, invoice finance, commercial real estate, business loans, asset finance, and bridging finance. Vast’s independent status allows them to offer tailored solutions, whether for small businesses or large-scale projects.
Loan amount: £50,000 to £25 million
Based: Cardiff
6. Propertyze
Propertyze is a UK-based finance brokerage specializing in bridging loans and development finance. They have built strong relationships with over 70 bridging lenders, 50+ development lenders, and 20+ commercial lenders, facilitating over £90 million in funding. Their portfolio includes a variety of services tailored to high-net-worth individuals, investors, and property developers. These services range from buy-to-let mortgages to international mortgages and regulated bridging loans, ensuring broad access to finance solutions.
Loan amount: Not disclosed
Based: London
7. International Property Finance Group
International Property Finance Group offers a wide range of mortgage and finance solutions for UK and international clients, with a special focus on expat and foreign investor finance. With over 65 years of combined experience, their consultants provide tailored advice, specializing in property purchases across the UK, Portugal, Spain, Germany, the USA, and Australia. They have arranged £150 million in lending over the past year, reflecting their success in securing competitive finance options. The company is known for providing a personal touch, with 80% of their business coming from returning clients.
Loan amount: Not disclosed
Based: London
8. Vincent Burch
Vincent Burch Mortgage Services is an independent mortgage broker offering fee-free services for straightforward loans above £150k. Specializing in bridging finance, Vincent Burch has over 20 years of experience and maintains strong relationships with a range of bridging lenders to ensure fast, competitive deals. They offer bridging loans with rates from 0.55% per month and LTVs up to 85% for refurbishment works. The company also provides a quick and efficient service, with decision-in-principle (DIP) in 2 hours and a full application processed in 24 hours.
Loan amount: £0 Broker fees, for straightforward loans above £150k
Based: Norwich
9. Fluent Money
Fluent Money is a UK-based loan broker with an extensive panel of lenders offering tailored loan options to meet customer needs. With over 100 years of combined experience, their expert team provides bridging loans, mortgages, secured loans, and insurance, while delivering excellent customer service. They are rated 5 stars on TrustPilot and are known for their user-friendly approach, offering 24/7 access to loan progress through their smartphone app. Fluent Money focuses on transparency, presenting clients with loan options instead of problems.
Loan amount: Not disclosed
Based: Horwich
10. Pure Property Finance
Pure Property Finance offers bespoke finance solutions for property owners, investors, and developers across a wide range of services. With access to over 100 lenders, the company focuses on securing the best deals for its clients, specializing in development finance, bridging loans, and commercial mortgages. As the flagship company of The Pure Group, they pride themselves on delivering a small-broker experience while offering the scale and resources of a larger firm. Their dedicated team provides expert advice on everything from buy-to-let mortgages to second charge mortgages.
Loan amount: From £50,000
Based: Cardiff
How to Evaluate Your Bridging Loan Needs?
After reviewing the best bridging loan providers in 2025, it’s important to focus on how to match a provider with your specific needs. Choosing the right lender involves more than just comparing rates – it’s about understanding your project’s unique requirements and how a provider can deliver the right solutions. 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.
What Is the Impact of Bridging Loans on Your Property Investment?
Bridging loans can hugely affect your property investment strategy, especially when you need fast access to funds for time-sensitive opportunities. These loans help you secure property quickly, even when traditional financing methods aren’t an option. They allow you to act swiftly in competitive markets, potentially giving you an edge over other investors.
That said, it’s important to be realistic about the risks. Bridging loans often come with higher interest rates and short repayment terms, which can pressure your cash flow if not managed well. When used wisely and with a clear exit plan in place, they can fuel your investment goals.
But if you don’t fully understand the financial commitment, they could end up complicating your strategy instead of advancing it. Always weigh the pros and cons before deciding if a bridging loan fits into your long-term investment plan.
Conclusion
Finding the best bridging loan providers in 2025 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.
