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Bridging Finance for Property Conversions.
Get The Right Funding Without the Hassle.

Confused by your options or fed up of slow answers? We make bridging simple, fast and hassle-free, even when things get complex.

Let's Make A Plan

Specialist Knowledge

Rapid Completions

Impecable Loan Exits

Easier Approvals

Stay on Track

Can't Get The Finance You Need? Let's Change That.

Finding the right property is exciting, but when it comes to securing the finance, things can be a little frustrating.

If you’re converting a house into an HMO, a pub into flats, or a commercial building into residential, you’ve probably noticed that mainstream lenders just don’t want to know; all they are interested in is simple mortgages.  So when planning permission, structural work, or change of use is involved, they won’t touch it.

You could spend weeks researching and chasing lenders, only to be told we don’t fund that. Or worse, think you’ve secured the finance, only for the lender to pull out at the last minute, leaving your project in limbo. Suddenly, your contractor deadlines are slipping, investors are getting nervous, and the seller is threatening to walk away. The pressure is mounting, and so is the financial risk.

Without the right finance in place, you risk losing the deal entirely; not just this one project, but future opportunities too. After spending weeks negotiating, securing planning permission, and investing in surveys, you could be forced to walk away empty-handed. Even if you manage to push forward, you might have to drain your own cash reserves, putting your entire investment strategy in jeopardy. Instead of scaling your portfolio, you’re stuck watching competitors snap up deals while you’re left scrambling for funding.

That’s where we come in.

At GPS Financial, we specialise in bridging finance for property conversions. Whether it’s a light refurb or a full-scale structural project, we know which lenders will say yes so there’s no wasted time, no unnecessary credit checks, and no missed opportunities.

Ready to Make it Happen?

You focus on the build, we’ll handle the funding.

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Most brokers say they understand bridging finance. We actually do understand it. We specialise in bridging for property conversions, ensuring your deal is structured properly from day one. With our expertise, you get fast approvals so you can move quickly and stay ahead of the competition.

Get Things Moving

Why Choose GPS?

We don’t just know lenders. We know which ones will back your project. We cut the nonsense, give it to you straight, and stick with you until the job’s done.

Specialist Knowledge

Not all bridging finance is the same. Many brokers treat conversions like standard mortgages, but we know they require a different approach. Whether you’re turning a house into an HMO, a pub into flats, or a commercial unit into residential, we structure your deal properly from day one so you don’t run into lender roadblocks later on.

Rapid Completions

Speed is everything in property. If finance takes too long, you risk losing the deal. That’s why we work with lenders who make quick decisions, ensuring you get the funding you need before another investor swoops in. No unnecessary delays, no waiting around—just fast approvals so you can move forward with confidence.

Exit strategies that work

Bridging finance isn’t just about securing a loan; it’s about having a clear exit plan. Without one, you could be stuck with high-interest debt longer than expected. We plan your exit upfront, whether that’s refinancing onto a long-term mortgage or selling for profit so you’re never left scrambling when the loan term ends.

Easier Approvals

Many lenders take a tick-box approach, rejecting deals simply because they don’t fit a rigid template. We work with lenders who assess projects based on potential, not just paperwork. That means we can secure finance even for complex conversions that high-street banks won’t touch.

No distractions, just progress

Chasing lenders, dealing with endless paperwork, and navigating financial jargon can slow your project down. We take care of the entire process from start to finish, negotiating the best terms, managing valuations, and keeping everything on track so you can focus on what really matters: delivering a successful project.

Get Things Moving

What Our Customers Say

When it looked like I was getting no where they really helped. I could not recommend more highly. Thanks so much!

TK

It was a pleasuer to work with GPS Financial. Special honours go to Morgan Stewart, who was always prompt, focused and considerate when trying to get this deal over the line. This is how a broker/lender relationship should work.

MG

Morgan Stewart helped us through a prolonged, complicated deal with persistence, competence and patience. So thankful to him for being responsive, available and accessible in times of need.

SR

Getting a mortgage with our help is actually really simple...

Here’s what working with us looks like.

Let's Chat

Starting easy give us a ring or fill out the quick form. No sales pitch, just proper advice from people who get it.

We Find The Right Lender

We know exactly which lenders handle conversions well and we won't waste your time with the ones that don't.

Get Approved

We'll get everything submitted, deal with the back and forth and keep things on track so you don't have to.

Still With You...

We don't vanish once the money lands. We'll help you prep your exit, tie up loose ends and stay in touch for whatever's next.

GPS Financial Ltd. are authorised and regulated by the Financial Conduct Authority for credit broking and mortgage advice (FCA 975825). Your property is a risk of repossession if you do not keep up repayment of any loans secured against it. GPS Financial, Cardiff Bay Business Centre, Lewis Road, Cardiff, CF245FA.