1. KIS Finance

KIS Finance is an independent finance brokerage specializing in arranging competitive bridging loans with minimal processing time. The firm maintains a panel of leading lenders, providing financing solutions to individual client requirements. Their bridging loan services range from £50,000 to £500 million with terms between 1 to 24 months. The KIS team created their bridging loan calculator, with up to date interest rate and loan to value (LTV) changes.

KIS Finance operates seven days a week with extended hours to ensure rapid loan completion while maintaining a straightforward process. As independent bridging finance brokers, they provide access to numerous lenders across the UK without charging broker fees.

Headquarters: Devon
Company size: 20-50

2. DevBrok

DevBrok operates in the property finance sector, providing structured finance solutions to developers and property entrepreneurs. The company leverages experience as principal developers and funders to support value addition to client projects. DevBrok maintains a network of panel lenders and investor contacts, including family offices and investment funds.

Their financing capabilities extend to projects up to £250m GDV across residential properties, PBSA, BTR, and hotels. Services include various funding options within the capital stack. Additionally, DevBrok facilitates equity investment opportunities for projects requiring alternatives to traditional lending.

Headquarters: Kent
Company size: 2-10

3. Brunel Bridging

Brunel Bridging is a property finance brokerage providing bridging loans, mortgages, and specialist finance solutions. The company serves investors and property developers in Bristol and surrounding areas. Their services include bridging loans, commercial mortgages, and development finance, aimed at various scenarios including auction purchases, development projects, and business property acquisitions. Brunel Bridging offers market-wide lender selection, positioning themselves as navigators of complex financing requirements. The company’s approach involves detailed assessment of client financing needs before matching with appropriate lenders

Headquarters: Bristol
Company size: 2-10

4. Propertyze

Propertyze is a financial intermediary connecting high-net-worth individuals, investors, and developers with finance deals in the UK. The company provides access to numerous lenders, including 70+ bridging lenders, 50+ development lenders, and 20+ commercial lenders. Their service portfolio encompasses buy-to-let mortgages, bridging loans, auction bridging finance, development finance, refurbishment bridging, international mortgages, and regulated bridging loans. Propertyze reports having facilitated over £90 million in funding and supported more than 450 funded assets.

Headquarters: London
Company size: 2-10

5. Wharf Financial Services

Wharf Financial Services is a London-based financial services firm comprised of experienced ex-corporate bankers with established networks in UK lending markets and professional services. The company provides guidance and financial solutions tailored to client lending requirements. Their services include property investment, property development, bridging finance, invoice discounting, and trade finance. Wharf Financial facilitates various financing scenarios such as auction purchases, chain breaks, property refurbishments, property developments, and trading business bridges. The firm emphasizes a customer-first approach and claims to design financial packages based on comprehensive understanding of client needs.

Headquarters: London
Company size: 2-10

6. Fox Davidson

Fox Davidson is a Bristol-based award-winning mortgage brokerage providing property finance services. Operating from their Bristol headquarters, the firm offers mortgage advice to diverse clients including first-time buyers, professional landlords, and property developers. Their service portfolio encompasses bridging finance, mortgage brokerage, development finance, and commercial finance solutions. Fox Davidson specializes in arranging financing for residential purchases and remortgages, buy-to-let portfolios, property development projects, and commercial premises acquisitions. The company positions itself as a lifetime financial partner for clients seeking various property finance solutions.

Headquarters: Bristol
Company size: 2-10

7. Vast Commercial Finance

Vast Commercial Finance is a Cardiff-based independent commercial finance broker with over 40 years of industry experience. The company provides access to more than 100 financial institutions, including high street banks, challenger banks, and specialist lenders. Their service offerings include property development, invoice finance, commercial and investment real estate, business loans, asset finance, and bridging finance. Vast Commercial Finance positions itself as a whole-of-market representative, focusing on reducing the complexity of funding acquisition for clients while they manage their businesses. The firm combines personalized service with technological solutions to streamline the financing process.

Headquarters: Cardiff
Company size: 2-10

8. Black Book Finance

Black Book Finance is a London-based property finance specialist with expertise in arranging bridging loans. The company provides whole-of-market bridging finance solutions through their concierge-style service model. They assist both intermediaries and their clients with all types of bridging finance requirements, offering services on either an advised or referred basis according to client preference. Black Book Finance positions their bridging loan services as part of a comprehensive property finance offering, operating with a mission focused on client financing objectives through advisory services and intermediation.

Headquarters: London
Company size: 2-10

Why choosing a good bridging loan provider matters?

Choosing the right bridging loan provider is crucial for property investors, developers, and buyers needing short-term financing solutions. Bridging Loan Providers vary significantly in their lending criteria, interest rates, loan-to-value ratios, and processing speeds—factors that directly impact project viability and profitability. The best providers offer transparent fee structures, flexible terms, and understanding of specialized scenarios such as auction purchases or development projects. Since bridging loans typically carry higher interest rates than conventional mortgages, selecting a provider with competitive rates and terms aligned with your specific circumstances can significantly reduce costs and prevent delays in time-sensitive transactions.

What’s the difference between bridging loans and secured loans?

The fundamental distinction between bridging loans and secured loans lies in their purpose, duration, and cost structure. Bridging loans are short-term financing options (typically 1-24 months) designed to “bridge” temporary funding gaps, often in property transactions, with interest rates that are generally higher but calculated monthly rather than annually.

In contrast, secured loans are longer-term borrowing solutions (3-35 years) with lower interest rates, making them suitable for extended repayment periods. When you calculate the future value of both loan types, bridging loan providers typically incorporate rolled-up or retained interest models where the cost is either added to the loan balance or deducted upfront, whereas secured loans usually feature regular monthly repayments that include both principal and interest components, resulting in a more predictable long-term cost structure.