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Tag: Bridging Finance

  • Bridging Finance Offers Hit £520m in Q2 2026

    Bridging Finance Offers Hit £520m in Q2 2026

    The latest data from Brickflow reveals significant activity in the bridging finance sector, with £520 million in property finance offers recorded in the second quarter of 2026. This surge highlights the ongoing demand for development and bridging finance, despite a slight decline in search activity.

    TL;DR: Bridging finance offers reached £258.9 million in Q2 2026, while development finance accounted for £236.5 million; borrowers should note the decrease in search activity for bridging and commercial mortgages.

    How Did Bridging Finance Perform in Q2 2026?

    Bridging finance offers totalled £258.9 million in the second quarter, contributing to the overall £520 million in property finance offers reported by Brickflow. Development finance, which represented 61% of the total value of searches, amounted to £236.5 million, indicating a strong interest in funding property developments. However, searches for bridging finance fell by 13.6%, suggesting a cooling in immediate demand.

    What Trends Are Emerging in Property Finance?

    While bridging finance offers decreased, requests for decisions in principle increased by 6% for bridging finance and 12% for commercial mortgages. This indicates that while immediate applications may be declining, there is still a growing interest in securing finance for future projects. The overall decline in bridging searches aligns with broader market trends, as reported by the Bridging & Development Lenders Association, which noted a 15% drop in applications across the market in Q1 2026.

    What This Means for Borrowers and Investors

    For landlords, borrowers, and investors, the current market suggests a cautious approach to bridging finance. The decrease in search activity could indicate a shift in market sentiment, prompting stakeholders to reassess their financing strategies. However, the increase in lenders willing to finance land with detailed planning permission—up 61% from the previous quarter—could present new opportunities for development projects.

    Frequently Asked Questions

    What types of finance are included in the £520 million figure?

    The £520 million includes bridging finance offers (£258.9 million), development finance (£236.5 million), and commercial mortgage offers (£24.6 million).

    Why did bridging searches decline in Q2 2026?

    The 13.6% decline in bridging searches may reflect a broader market cooling, as indicated by similar trends reported by industry associations.

  • RAW Capital Partners Introduces New Bridging Finance Options

    RAW Capital Partners Introduces New Bridging Finance Options

    RAW Capital Partners has launched a new range of bridging finance products aimed at enhancing its offerings for UK property investors. This move follows the lender’s recent expansion into the UK resident market, allowing them to cater to a wider audience beyond foreign nationals and expats.

    TL;DR: RAW Capital Partners now offers bridging loans from £100,000 to £4m for UK property investors; the new products feature terms from three to 18 months and a maximum LTV of 60%.

    What is Bridging Finance?

    Bridging finance is a short-term loan option designed to provide quick access to funds for property transactions. It is typically used by investors who need to secure a property quickly before permanent financing is arranged. The new range from RAW Capital Partners offers flexibility with loan sizes ranging from £100,000 to £4 million.

    How Does This Affect UK Property Investors?

    The introduction of these bridging finance options is significant for UK property investors, particularly those looking to act quickly in a competitive market. With terms available from three to 18 months and a maximum loan-to-value ratio of 60%, investors can secure funding rapidly, which is essential for purchasing properties or completing renovations.

    What Should Brokers Know?

    Brokers should note that these products are structured with a tiered pricing model based on the loan-to-value ratio, which can help them tailor solutions for their clients. The emphasis on speed and certainty in execution means that brokers can expect a streamlined process when working with RAW Capital Partners.

    What This Means for Borrowers

    For borrowers, the new bridging finance options provide an opportunity to use quick funding for property investments. With funding sourced from the RAW Mortgage Fund, which manages over £220 million in assets, borrowers can benefit from a reliable and swift lending process, important for capitalising on investment opportunities.

    Frequently asked questions

    What are the typical uses for bridging finance?

    Bridging finance is often used for purchasing properties quickly, financing renovations, or covering gaps in property transactions where timing is critical.

    How quickly can I access bridging finance?

    Bridging finance can typically be arranged quickly, often within a matter of days, making it ideal for urgent property purchases.

  • RAW Capital Partners Launches Bridging Finance Range

    RAW Capital Partners Launches Bridging Finance Range

    RAW Capital Partners has introduced a new range of bridging finance products aimed at UK landlords and investors. This move expands their offerings beyond bespoke mortgages for foreign nationals and UK expats, marking a significant step into the UK resident market.

    TL;DR: Loan sizes for bridging finance range from £100,000 to £4 million, with terms from three to 18 months; this new offering aims to support brokers and investors seeking quick funding solutions.

    What is the new bridging finance range?

    The Guernsey-based lender’s bridging finance products are designed to provide quick access to capital for property investments. Loan amounts vary from £100,000 to £4 million, with flexible terms ranging from three to 18 months. The maximum loan-to-value (LTV) ratio is set at 60%, and pricing is tiered based on LTV, allowing for tailored solutions depending on the specific needs of borrowers.

    Why is this significant for the UK property market?

    This launch is particularly important for landlords and property investors who require fast financing options. With the current economic climate placing pressure on traditional lending, bridging finance can serve as a vital tool for securing properties quickly, especially in competitive markets. The focus on speed and certainty of execution is designed to meet the urgent needs of brokers and their clients.

    What does this mean for brokers and investors?

    Brokers will benefit from a new financing option that prioritizes efficiency, which is essential in a fast-paced property market. The backing of the RAW Mortgage Fund, which manages over £220 million in assets, provides confidence in the lender’s ability to deliver on its promises. Investors looking for quick financing solutions can use these products to capitalize on time-sensitive opportunities in property acquisition.

    Frequently asked questions

    What types of properties can I use bridging finance for?

    Bridging finance can be used for a variety of property types, including residential, commercial, and buy-to-let properties, making it a versatile option for investors.

    How quickly can I access funds with bridging finance?

    Bridging finance is designed for speed, with many lenders, including RAW Capital Partners, aiming to provide funds within days, depending on the specifics of the application.

  • Bridging Finance Offers Reach £520 Million in Q2 2026

    Bridging Finance Offers Reach £520 Million in Q2 2026

    The latest report from Brickflow highlights a significant £520 million in property finance offers for the second quarter of 2026. This figure underscores the ongoing demand for bridging finance, despite a notable decline in search activity across various finance categories. The report reveals critical trends that could impact landlords, borrowers, and investors in the UK property market.

    TL;DR: Brickflow reported £520 million in property finance offers in Q2 2026; development finance constituted 61% of searches, indicating strong demand despite falling search volumes.

    What Types of Finance Are Being Sought?

    Brickflow’s data shows that development finance searches made up 61% of the total value of searches on its platform, translating to over £8 billion. Within this, development finance offers reached £236.5 million, bridging finance offers amounted to £258.9 million, and commercial mortgage offers totalled £24.6 million. This distribution reflects a robust interest in development projects, which may be appealing for investors looking to capitalise on property growth.

    How Are Bridging Searches Changing?

    Interestingly, while bridging finance offers were substantial, searches for bridging finance fell by 13.6%. This trend mirrors a broader market decline, as reported by the Bridging & Development Lenders Association, which noted a 15% drop in applications across the market, totalling £9.9 billion in the first quarter of 2026. This decline may suggest a cautious approach among borrowers amid economic uncertainties.

    What Does This Mean for Investors and Borrowers?

    For landlords and investors, the increase in development finance offers could signal opportunities for growth, especially as the number of bridging lenders willing to finance land with detailed planning permission rose by 61% between late 2025 and mid-2026. This expansion of lending options, including new entrants like HBI Capital and Pallas Capital to Brickflow’s panel, enhances the availability of bridging and development finance. Investors should consider leveraging these options to fund new projects or acquisitions.

    Frequently Asked Questions

    What is bridging finance?

    Bridging finance is a short-term loan used to bridge the gap between the purchase of a new property and the sale of an existing one, or to finance property development.

    How can I access bridging finance?

    Borrowers can access bridging finance through various lenders, including specialist finance platforms like Brickflow, which offer a range of options tailored to different property needs.

  • RAW Capital Partners Expands Bridging Finance Options

    RAW Capital Partners Expands Bridging Finance Options

    RAW Capital Partners has introduced a new range of bridging finance products aimed at enhancing its offerings for UK investors. This move follows the lender’s recent expansion into the UK resident market, enabling them to cater to a broader audience, including landlords and property investors.

    TL;DR: RAW Capital Partners now offers bridging finance loans from £100,000 to £4 million, targeting UK landlords and property investors; the new products promise quick execution and competitive terms.

    What is the new bridging finance range?

    The Guernsey-based lender has launched bridging finance options with loan sizes ranging from £100,000 to £4 million. These loans are available for terms between three to 18 months and come with a maximum loan-to-value (LTV) ratio of 60%. The pricing is tiered based on LTV, allowing for flexibility depending on the borrower’s needs.

    How does this impact UK landlords and property investors?

    This new offering is particularly relevant for UK landlords and property investors looking for quick financing solutions. The bridging finance products are designed to provide speed and certainty, which are essential for investors needing to act swiftly in a competitive property market. With funding sourced from the RAW Mortgage Fund, which manages over £220 million in assets, borrowers can expect a reliable and efficient service.

    Why is speed and certainty important in bridging finance?

    In the fast-paced property market, the ability to secure funding quickly can make a significant difference for investors. Bridging finance often serves as a temporary solution, allowing landlords to seize opportunities such as property purchases, renovations, or auctions without the delays typical of traditional mortgage processes. RAW Capital Partners emphasizes these qualities as key benefits of their new range.

    Frequently asked questions

    What types of properties can be financed with bridging loans?

    Bridging loans can be used for various property types, including residential buy-to-let, commercial properties, and development projects, depending on the lender’s criteria.

    How quickly can I access bridging finance?

    RAW Capital Partners aims to provide quick execution, allowing borrowers to access funds within days, making it suitable for urgent property transactions.

  • RAW Capital Partners Expands Bridging Finance Offerings

    RAW Capital Partners Expands Bridging Finance Offerings

    RAW Capital Partners has launched a new range of bridging finance products, aimed at enhancing its offerings for UK residents. This expansion follows the lender’s recent entry into the UK resident market, allowing it to cater to a broader audience, including landlords and property investors.

    TL;DR: RAW Capital Partners now offers bridging loans with flexible terms; this development benefits landlords and brokers seeking quick financing solutions.

    What is Bridging Finance?

    Bridging finance is a short-term loan designed to bridge the gap between the purchase of a new property and the sale of an existing one. It is typically used in situations where quick access to funds is necessary, such as property auctions or urgent renovations. The new range from RAW Capital Partners caters to various investment needs.

    How Does RAW Capital Partners’ New Range Work?

    The bridging finance products feature flexible terms, with a maximum loan-to-value (LTV) ratio available. Pricing is tiered based on LTV, allowing borrowers to understand their costs upfront. This structured approach is particularly appealing to brokers who require clarity and speed in their transactions.

    What This Means for Landlords and Investors

    The introduction of these bridging loans is significant for landlords and property investors looking for rapid funding solutions. With an emphasis on speed and certainty, RAW Capital Partners aims to streamline the borrowing process, making it easier for investors to seize opportunities in the property market. The backing of the RAW Mortgage Fund enhances the lender’s capability to provide reliable financing options.

    Frequently Asked Questions

    What types of properties can be financed with bridging loans?

    Bridging loans can be used for various property types, including residential, commercial, and buy-to-let properties, making them versatile for different investment strategies.

    How quickly can I access funds through bridging finance?

    Bridging finance is designed for quick access to funds, often within a matter of days, depending on the lender’s processes and the completeness of the application.

  • RAW Capital Partners Launches New Bridging Finance Range

    RAW Capital Partners Launches New Bridging Finance Range

    RAW Capital Partners has introduced a new range of bridging finance options, expanding its offerings for UK landlords and investors. This move follows the lender’s recent entry into the UK resident market, enhancing its ability to cater to a broader audience in the property sector.

    TL;DR: RAW Capital Partners now offers bridging loans from £100,000 to £4m with terms from three to 18 months; this expansion benefits brokers and investors seeking quick financing solutions.

    What is Bridging Finance?

    Bridging finance is a short-term loan designed to bridge the gap between immediate funding needs and long-term financing solutions. It is commonly used in property transactions, allowing investors to secure properties quickly while they arrange more permanent financing options.

    Who Can Benefit from RAW Capital Partners’ New Range?

    The new bridging finance products are aimed at various stakeholders in the property market, including landlords, property investors, and brokers. With loan sizes ranging from £100,000 to £4m and a maximum loan-to-value (LTV) ratio of 60%, these products provide flexible options for those looking to seize property opportunities without delay.

    What This Means for Landlords and Investors

    For landlords and property investors, this expanded offering from RAW Capital Partners means increased access to fast and reliable funding. The focus on speed and certainty of execution is particularly beneficial in competitive property markets, where timely financing can make a significant difference in securing desirable investments.

    How Does This Compare to Other Bridging Finance Options?

    RAW Capital Partners’ bridging finance products are structured with tiered pricing based on LTV, which allows for tailored solutions depending on the specific needs of the borrower. This approach can be advantageous compared to more rigid offerings from other lenders, making it an attractive option for those needing quick access to funds.

    Frequently Asked Questions

    What are the terms for the new bridging finance range?

    The bridging finance range offers terms from three to 18 months, with loan sizes between £100,000 and £4m.

    What is the maximum loan-to-value ratio?

    The maximum loan-to-value (LTV) ratio for these bridging loans is 60%.

  • RAW Capital Partners Launches New Bridging Finance Options

    RAW Capital Partners Launches New Bridging Finance Options

    RAW Capital Partners has unveiled a new range of bridging finance products, expanding its offerings to UK residents. This move is significant as it enhances the options available for landlords and investors seeking quick financing solutions in the UK property market.

    TL;DR: RAW Capital Partners introduces bridging finance loans from £100,000 to £4m, targeting landlords and investors needing fast access to funds; terms range from three to 18 months with a maximum LTV of 60%.

    What is Bridging Finance?

    Bridging finance is a short-term loan designed to ‘bridge’ the gap until permanent financing is secured or the property is sold. It’s often used in property transactions where speed is essential, such as auctions or urgent renovations. This new offering from RAW Capital Partners provides a viable option for those looking to act quickly in the competitive UK property market.

    Who Can Benefit from RAW Capital’s New Products?

    The new bridging finance range is particularly beneficial for landlords, property investors, and brokers. With loan amounts ranging from £100,000 to £4 million and flexible terms between three to 18 months, these products cater to various financing needs. The maximum loan-to-value ratio of 60% allows borrowers to use their investments effectively while maintaining manageable risk levels.

    What This Means for Landlords and Investors

    For landlords and investors, the introduction of these bridging loans offers a pathway to secure funding quickly, which is important in a fast-paced property environment. The focus on speed and certainty of execution means that borrowers can expect a more streamlined process, allowing them to seize opportunities as they arise. This is particularly important for those looking to invest in buy-to-let properties or undertake renovation projects.

    Frequently Asked Questions

    What are the typical uses for bridging finance?

    Bridging finance is typically used for property purchases at auction, renovations, or to secure quick funding while waiting for long-term financing.

    How does the loan-to-value ratio affect my borrowing?

    The loan-to-value ratio determines how much you can borrow against the value of the property. A maximum LTV of 60% means you can borrow up to 60% of the property’s value, impacting your equity and potential investment returns.

  • Recognise’s Gross Lending Surges 51% in Mortgage Market

    Recognise’s Gross Lending Surges 51% in Mortgage Market

    Recognise has reported a significant 51% increase in gross lending, highlighting a robust performance in the bridging finance sector, where balances more than doubled. This growth is particularly relevant for landlords and investors looking for opportunities in a dynamic mortgage market.

    TL;DR: Recognise’s gross lending soared 51%, with bridging balances rising from £124m to £303.8m; this growth signals expanding opportunities for landlords and investors in the mortgage market.

    What are the Key Financial Highlights?

    Recognise’s loan book has now surpassed £500 million, with bridging finance comprising two-thirds of this total. The figures show a remarkable increase in bridging balances, which rose from £124 million to £303.8 million. In contrast, professional buy-to-let (BTL) lending remained relatively stable, increasing slightly from £88 million to £88.4 million. Meanwhile, commercial lending experienced a decline, dropping from £58.8 million to £49.5 million.

    How Did Regional Lending Perform in the Mortgage Market?

    Regionally, London continues to dominate, with lending rising from £88.3 million to £153.2 million. The South East also saw a notable increase, climbing from £54.9 million to £95 million, while the North West experienced growth from £66.2 million to £77.5 million. These trends indicate a strong demand for mortgage products in these areas, which may interest brokers and investors.

    What This Means for Landlords and Investors

    The substantial growth in bridging finance suggests that landlords and property investors may find increased opportunities for short-term financing solutions. Recognise’s strategic shift, which includes moving its head office and streamlining operations, aims to enhance service delivery and efficiency in the mortgage market. The bank’s plans to launch regulated bridging in FY27, pending regulatory approval, could further diversify options for borrowers.

    What Should Borrowers Watch Next in the Mortgage Market?

    Borrowers should keep an eye on Recognise’s upcoming offerings, particularly the anticipated regulated bridging products. Additionally, the bank’s improved net interest income, which rose by 31.7% to £20.4 million, may lead to more competitive rates in the mortgage market. With net interest margins increasing from 5% to 5.3%, borrowers could benefit from more favourable lending conditions in the near future.

    Frequently asked questions

    What is bridging finance?

    Bridging finance is a short-term loan used to bridge the gap between the purchase of a new property and the sale of an existing one. It is often used in property transactions to secure quick funding.

    How does the increase in gross lending affect the mortgage market?

    The increase in gross lending indicates a healthy demand for mortgage products, which can lead to more competitive rates and options for borrowers, particularly in the bridging finance sector.

  • Brickflow Reports £520M in Bridging Finance Offers

    Brickflow Reports £520M in Bridging Finance Offers

    The latest data from Brickflow indicates a significant £520 million in property finance offers for the second quarter of 2026. This surge highlights the ongoing demand for bridging finance, particularly as development finance searches dominate the market.

    TL;DR: Brickflow recorded £520 million in property finance offers in Q2 2026; development finance accounted for 61% of searches, impacting landlords and investors.

    What Are the Key Figures from Q2 2026?

    During the second quarter, development finance offers totalled £236.5 million, while bridging finance offers reached £258.9 million. Commercial mortgage offers were lower at £24.6 million. Notably, development finance searches represented over £8 billion of the total value of searches conducted on Brickflow’s platform, showcasing a strong interest in this area.

    How Have Search Trends Changed for Bridging Finance?

    Despite the overall increase in offers, searches for bridging finance fell by 13.6%, while commercial mortgage searches decreased by 22.1% and development finance searches dropped by 8.3%. In contrast, requests for decisions in principle rose, with bridging finance up 6% and commercial mortgages up 12%. This divergence suggests a cautious approach among borrowers, despite the availability of finance.

    What Does This Mean for Landlords and Investors in Bridging Finance?

    The decline in bridging searches may indicate a tightening of lending criteria or a shift in market sentiment among landlords and investors. However, the increase in lenders willing to finance land with detailed planning permission—up 61% since Q4 2025—could provide new opportunities for development projects. With HBI Capital, Pallas Capital, and Bridge Invest joining Brickflow’s lender panel, borrowers now have more options for bridging and development finance.

    Frequently Asked Questions

    What is bridging finance?

    Bridging finance is a short-term loan used to bridge the gap between purchasing a new property and selling an existing one, often used in property transactions.

    How can I get a bridging loan?

    To obtain a bridging loan, you typically need to approach a lender, provide details about the property, and demonstrate your repayment strategy, often through the sale of another property. For more information, check our bridging finance guide.