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Bridging Loans in Derby & Derbyshire

Bridge the gap to your next property move.

Fast, flexible bridging finance with competitive rates and quick approvals to help you move forward with confidence.

Call us today: 01332 300 300

Working with thousands of lenders to find the right fit…

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Flexible Bridging Loans for All Your Property Needs

Need to move fast on a property purchase? We’ve got bridging loans that work around your timeline, not the other way around. Competitive rates and quick decisions for clients across Derby, Derbyshire, the East Midlands, and nationwide.

Based in Derby but we help clients throughout Derbyshire (including Chesterfield, Alfreton, Ripley, Belper, and Matlock), the broader East Midlands, and across the entire UK.

Ready to make your plans a reality?

Call our specialists today: 01332 300 300

Book A Free Consultation

What is a Bridging Loan?

A bridging loan helps bridge the financial gap between buying a new property and selling your existing one. Think of it as temporary funding until you sort out your long-term finances or your current property sells.

You’d use bridging loans to prevent delays or grab time-sensitive opportunities. They have higher interest rates and need property as security, but they give you quick access to funds when you need to move fast.

Call Us Today – 01332 418770

Non-Status Bridging Loans – No Income Proof Required

Struggling to prove your income the traditional way? We specialise in “non-status” or “self-cert” bridging loans where you don’t need complex income verification.

Perfect if you’re:

  • Self-employed with irregular income or complex business structures
  • A property developer or investor with multiple income streams
  • Between jobs or transitioning careers
  • A company director taking dividends rather than a salary
  • Anyone who needs speed over paperwork

How Non-Status Bridging Loans Work

Instead of focusing on pay slips and tax returns, our specialist lenders look at:

  • Your property value and equity – This is what matters most
  • Your exit strategy – How you’ll repay the loan
  • Your experience and track record – Previous property or business success
  • Loan-to-value ratio – Typically up to 75% of property value

Why Choose Non-Status Finance?

  • Speed: No waiting around for accountant letters or employment verification
  • Flexibility: Lenders who actually understand complex financial situations
  • Higher amounts: Based on your property equity, not just income multiples
  • Competitive rates: Access to the same rates as traditional applications

Here’s how it works: A Derby property developer got £180,000 against his portfolio to buy an auction property, completed in just 8 working days with no income verification needed.

Want to explore non-status options?

Book Your Free Consultation

Bridging Loan Criteria – What Do Lenders Actually Look For?

Wondering if you’ll qualify? Here’s what lenders actually want to see – and it might be easier than you think.

What You’ll Need

Property Security
You need a valuable property to secure the loan against. This could be residential, commercial, land, or even a portfolio of properties.

Sufficient Equity
Most lenders want 25-30% equity in your security property, meaning you can typically borrow up to 70-75% of its value.

Clear Exit Strategy
Lenders want to see how you’ll repay the loan. Common ways include:

  • Selling your existing property
  • Refinancing to a traditional mortgage
  • Selling the newly purchased/refurbished property
  • Using business cash flow or inheritance funds

Your Loan Options

  • Loan Amount: £25,000 to £5 million+
  • Loan-to-Value: Up to 75% (sometimes 80% for strong cases)
  • Term: 1-24 months (most commonly 6-12 months)
  • Property Types: Residential, commercial, land, mixed-use
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Looking for "Unsecured Bridging Loans"?

All bridging loans need property security – that’s just how they work. If you’re after unsecured business funding, have a look at our business cash flow loans instead.

Start your Journey Today

Commercial Bridging Finance for Businesses

Got an urgent business or financial situation? Our commercial bridging solutions give you the rapid funding you need to keep your business moving forward.

What You Can Use Business Bridging Finance For

  • VAT Bill Bridging Loans: Avoid penalties and protect your business credit rating while you’re waiting for customer payments or sorting out refinancing.
  • Tax Bill Emergency Finance: HMRC deadlines won’t wait around. Get funds to pay corporation tax or other business taxes without messing up your cash flow.
  • Business Property Purchases: Compete with cash buyers on commercial premises. Perfect for office moves, warehouse purchases, or retail expansion.
  • Cash Flow Bridging: Bridge the gap between large contract completions, waiting for invoice payments, or seasonal cash flow variations.

Commercial Bridging Benefits

  • Quick decisions are typically made within 2-5 working days
  • Up to £5 million available for larger requirements
  • Flexible security options, including business premises, investment properties, or mixed portfolios
  • No personal guarantees are needed in many cases for established businesses
Call our commercial team: 01332 418770
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Auction Property Finance – 28-Day Completion Specialists

Won the perfect property at auction? Our specialist auction bridging loans make sure you can complete within that tight 28-day deadline.

Why You Need Bridging Loans for Auction Purchases

Traditional mortgages take 4-8 weeks to arrange. Auction purchases must complete in 28 days or you lose your deposit and face legal action. Our auction finance gives you:

  • Cash buyer power – Bid confidently knowing your funds are sorted
  • Built for speed – Designed specifically for auction timeframes
  • No mortgage dependency – Buy regardless of mortgage delays
  • Higher success rates – Purpose-built for auction completions

Commercial Bridging Benefits

  • Quick decisions are typically made within 2-5 working days
  • Up to £5 million available for larger requirements
  • Flexible security options, including business premises, investment properties, or mixed portfolios
  • No personal guarantees are needed in many cases for established businesses

How Auction Finance Works

Auction Bridging Loan Costs: Typically 0.5% to 2% per month, depending on loan-to-value ratio, property type, your experience and how fast you need completion.

Want a free auction finance calculation?

Call Out Team 01332 418770
1
Quick pre-approval

Get your finance agreed before auction day, often within days

2
Bid with confidence

You’ve got guaranteed funding in place

3
Complete on time

Funds released to your solicitor within the 28-day deadline

4
Refinance or sell

Exit via mortgage or property sale when you’re ready

All Types of Loans in Derby & Derbyshire

Based out of Melbourne Business Court in Derby, we’re your local finance specialists serving Derby, Derbyshire, and the wider East Midlands.

We can help with:

  • Secured Loans – Property equity loans (£10,000 – £500,000)
  • Commercial Finance – Business loans and development finance
  • Land Finance – Building plots and development funding
  • Business Cash Flow Loans – Unsecured business funding
  • Mortgage Services – First-time buyers, remortgages, buy-to-let
  • Poor Credit Solutions – Specialist lending for complex cases
Start your Journey Today

Why Choose Our Derby Office?

  • Local Market Know-How: We understand property values throughout Derbyshire (Derby, Chesterfield, Alfreton, Ripley, Belper, Matlock, Burton upon Trent) and across the East Midlands (Nottingham, Leicester, Mansfield, Newark)
  • Fast Completions: We’ve streamlined our process to get you funding significantly faster than high street alternatives
  • UK-Wide Connections: Licensed to help clients throughout the UK with our national lender relationships
  • Whole of Market: We’re not tied to any single lender – we find you the best available rates and terms

Frequently Asked Questions

The main things are having suitable property security and a clear exit strategy. We can often help even if you’ve been declined by high street banks, have poor credit, or complex income.

Yes, these are called “non-status” bridging loans. Specialist lenders focus on your property value and repayment plan rather than traditional income documentation.

Typically £25,000 to £5 million depending on your property equity. Most lenders offer up to 70-75% loan-to-value, with some going to 80% for strong applications.

Most bridging loans complete within 1-3 weeks, much faster than traditional mortgages. For urgent cases with straightforward applications, funds can sometimes be available within 7-10 working days.

Yes, it’s often possible. Many bridging lenders focus more on property security and exit strategy than credit history. We specialise in finding solutions for complex cases.

Absolutely. While we’re proudly Derby-based, we provide bridging finance solutions throughout the entire United Kingdom, with particular expertise across the Midlands.

Need immediate help?

See how different loan amounts and terms could fit your budget before you apply. Calculate your estimated monthly payments with our mortgage calculator. For more details give our team a call today 01332 300 300.

 

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It starts right here…

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We love to hear from you, give us a call, or fill in our contact form so we can see where you’re at. The more details the better!

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One of our advisers will then find out about what you’re looking to do, discuss your options and answer any questions you may have.

03

Your adviser will search through thousands of lenders.

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Your adviser will find the best option for you and help you arrange things.

Ready to Discuss Your Bridging Loan Options?

Property markets move fast. Auction deadlines won’t wait. When opportunity knocks, you need funds that keep up.

Our expert team in Derby is ready to help you get fast, flexible finance, whether you’re in Derbyshire or anywhere else in the UK.

Call Our Derby Office: 01332 300 300
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