Bridging finance from £50,000 to £50 million, with up to 90% of the purchase price available on the right case. Rates from 0.49% per month on loans over £1 million.
We have whole of the market access allowing us to find our customers the best possible deal.
A large bridging loan is short-term finance, secured against property or land, for amounts of roughly £1 million and above. It is used when a sizeable transaction has to happen faster, or in a less conventional way, than a mortgage or development facility allows – buying before a sale completes, rescuing a stalled scheme, refinancing ahead of an exit, or securing a large lot at auction.
We arrange bridging finance from £50,000 up to £50 million. On the right case we can secure up to 90% of the purchase price; the maximum on any deal depends on the property, any additional security offered and the strength of your exit. Monthly rates start from 0.49% for loans over £1 million.
Large cases are never one-size-fits-all, so we deal with every large bridge on a case-by-case basis – including how our fee is structured – and take each one to the lenders whose appetite genuinely fits it.
From £50,000 to £50 million. Large bridging typically means £1 million and above.
Available on the right case. The final figure depends on the property, any additional security and your exit.
On loans over £1 million (from 0.55% pm below £1 million). Your actual rate depends on loan-to-value, the asset and the exit.
Large deals vary too much for a fixed tariff. We agree our fee with you up front, before any application is made.
Investment property, commercial and mixed-use assets, development sites and part-built schemes.
Sale, refinance onto term debt, or development exit once a scheme completes.
A student accommodation scheme was around halfway through construction when the developer ran out of funds. With the build stalled, the building risked missing the next academic year – and a full year of rental income with it.
We arranged £2.1 million of bridging finance to fund the remaining works and complete the development. The scheme was finished in time for 100% occupation on the next student cycle, turning a stalled site into an income-producing asset with a clear route to refinance or sale.
This is a typical use of large bridging: when a development facility has run out, or would take too long to restructure, a bridge can step in quickly and get the project over the line.
A developer client needed £1 million of bridging finance to acquire a plot of land with a purchase price of £2 million.
Three months after the purchase, a successful planning application saw the land revalued at £3 million. We were then able to release further equity from the site, giving the developer the funds to start building.
Bridging secured the site quickly; planning added the value; that value funded the next stage. See more on land bridging loans.
Completing stalled developments – funding the remaining build when the original budget or facility has run out, as in the deal above.
Development exit – refinancing a completed scheme off an expensive development loan while units are sold or let. See our developer exit finance page.
Commercial and mixed-use acquisitions – offices, retail, industrial and mixed-use buildings where speed matters or the asset isn't yet mortgageable.
Portfolio purchases and refinances – buying or restructuring several properties in a single transaction.
Large auction lots – completing within the auction deadline. See auction finance.
Refurbishment and conversion – funding the purchase and works before refinancing on the improved value.
The exit comes first. On a large bridge, lenders focus hardest on how the loan will be repaid – a sale, a refinance onto term debt or a development exit. A credible, evidenced exit does more for your terms than almost anything else.
Valuation. Larger loans usually need a full RICS valuation rather than a desktop or automated valuation, and the valuer's figure drives the loan-to-value.
Security and loan-to-value. Higher leverage – up to 90% of the purchase price – is available on the right case, often supported by additional security or a strong exit.
Experience and the plan. Where works or construction are involved, lenders look at your track record, the budget, the programme and who is delivering it.
Beyond the monthly interest rate (from 0.49% per month on loans over £1 million), a large bridge typically carries a lender arrangement fee, valuation fees and legal fees for both your solicitor and the lender's. Some lenders also charge an exit fee. Interest can be paid monthly, retained from the advance or rolled up and paid on redemption.
We set out the full cost before you commit, and agree our own fee with you on a case-by-case basis. Use our bridging calculators for an indicative figure, or speak to us for a quote on your deal.
This is one of the questions we are asked most often, and many borrowers aren't sure which product suits their project.
Development finance is more structured and disciplined. Funds are usually released in stages against a monitoring surveyor's sign-off of completed work, and lenders want detailed costings, a build programme and planning in place before they commit. In return, it can carry better rates – which matters on a long build.
Bridging finance is faster and more flexible. In most cases it is released as a single lump sum on completion, rather than in staged payments over the course of the development, so you have the full funds available from day one. It suits buying land or property quickly, light or heavy refurbishment, and situations where a development facility isn't available in time – such as rescuing a stalled scheme or exiting a development loan ahead of sales.
A real example of each: for the stalled student scheme above, bridging was the right tool – the funds were needed quickly, in one go, to finish a part-built development. By contrast, we recently arranged £2 million of structured development finance over 18 months for a local developer building nine houses. The scheme was built on time and the developer made a successful exit at month 17, ahead of schedule. For a planned new-build project like that, the discipline of development finance was the better fit.
The right answer depends on the project, the timescale and your experience – and some projects use both: bridging to secure the site, then development finance for the build. Tell us about your scheme and we'll recommend the right structure. Read more about property development finance.
Generally loans of £1 million or more. We arrange bridging finance from £50,000 up to £50 million, secured against investment, commercial and development property and land.
Up to 90% of the purchase price on the right case. The maximum depends on the property, any additional security offered and the strength of your exit strategy.
Often, yes. Our monthly rates start from 0.49% for loans over £1 million, compared with 0.55% for smaller loans, though the final rate depends on loan-to-value, the property and your exit.
We deal with large bridging on a case-by-case basis and agree our fee with you up front. Lender costs typically include an arrangement fee, valuation and legal fees, and sometimes an exit fee.
Development finance is more structured and disciplined, released in staged payments as the build progresses, and can carry better rates on a long build. Bridging is faster and more flexible, and in most cases is released as one lump sum – ideal for acquisitions, refurbishment, stalled schemes and development exit. Some projects use both.
Common uses include completing stalled developments, development exit, acquiring commercial assets such as office, retail or industrial property, portfolio purchases and refinancing ahead of a sale.
No. Raise Commercial Ltd is not authorised or regulated by the Financial Conduct Authority. We arrange unregulated commercial and investment property finance only. We never lend against a property that is or will become the borrower's or their family's home.
