Bridging and Development Loans in Welling

Short-Term Property Finance for Purchases, Renovations and Site Builds

If you need quick access to funding — whether to secure a property, complete a renovation, or fund a ground-up build — a bridging or development loan may be the right fit. We help clients across Welling, Bexleyheath, Sidcup and nearby areas secure flexible short-term finance for a wide range of property projects.

What We Can Help With

Bridging and development loans can move faster than traditional mortgages — but they also come with more complexity. We provide support with:

• 🏠 Auction purchases and quick completions
• 🔁 Chain break bridging loans
• 🏗️ Refurbishment and light development finance
• 📄 Ground-up development projects (single or multi-unit)
• 📍 Local insight into planning, resale and exit strategies

We work with specialist lenders and introducers familiar with time-sensitive projects and non-standard properties.

Who Bridging & Development Loans Are For

This type of short-term finance is ideal for:

• Buyers needing to complete quickly (e.g. at auction)
• Landlords or developers refurbishing a property before sale or refinance
• Clients funding a self-build or small site project
• Homeowners buying a new home before selling their current one

We’ll help assess your exit route, timelines, and the structure that best suits your project.

Common Bridging Loan Questions

How fast can I complete with a bridging loan?

Some lenders can fund within 5–10 working days, depending on the complexity and legals. It’s much faster than a standard mortgage in most cases.

What deposit do I need?

Most bridging lenders offer 70–75% loan-to-value (LTV), meaning you’ll need around 25–30% deposit. In some cases, additional security may be accepted.

Do I need to make monthly payments?

Not always — some bridging loans “roll up” the interest so you don’t pay monthly, and instead repay everything at the end. We’ll help confirm what’s possible.

Can I use bridging if I have bad credit?

Yes — bridging lenders often focus more on the property and exit plan than personal credit. We can help find options for a range of circumstances.

Why Local Knowledge Helps

From auction purchases near Welling Station to residential refurbishments in East Wickham, understanding the local market helps structure the right deal — with the right exit route.

We’ve supported clients in Welling with:

• Quick purchases where mortgages weren’t fast enough
• Renovation funding followed by a buy-to-let refinance
• Equity release from existing assets to fund new builds

Why Work With Us on Short-Term Property Finance

• Clear guidance on timelines, interest, and exit planning
• Access to lenders who work with non-standard properties
• Support with valuations, legals and bridging-to-mortgage transitions
• Introductions to regulated advisers where required

We aim to keep things fast, clear and compliant — so your project doesn’t stall at the finance stage.

Ready to Explore Bridging or Development Finance?

Whether you’re buying, building or renovating — we’ll help you understand your options and move quickly when it counts.

• No obligation to proceed
• No upfront costs
• Just practical support tailored to your plans