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Barclays Bridging Loan Alternative

Edited: January 2026

Barclays does not offer bridging loans to new customers. In practice, access to their bridging facility is limited to existing Barclays clients. If you are not already banking with Barclays, they are unlikely to assist.

However, that does not mean you are out of options.

GPS Financial act as a specialist Barclays bridging loan alternative, arranging fast and flexible bridging finance through a panel of reputable lenders across the UK. This approach allows you to move quickly, secure a decision without branch appointments, and in many cases complete within days.

We arrange bridging loans from £25,000 up to £25 million. Terms are typically up to 12 months, depending on the property and the exit strategy.

Why Consider a Barclays Bridging Loan Alternative?

While Barclays has a long standing reputation as a high street lender, its approach to bridging finance is restrictive. Availability is limited, applications are handled in branch, and flexibility around property type or timing is often constrained.

By contrast, using a specialist broker gives you access to multiple lenders and significantly greater flexibility.

Borrowers often seek a Barclays bridging loan alternative when:

  • They are not existing Barclays customers
  • Time is critical and branch based processes cause delays
  • The property falls outside standard lending criteria
  • A fast completion is essential

In these situations, specialist bridging finance can make the difference between securing a property and losing the opportunity.

What a Barclays Bridging Loan Alternative Can Be Used For

A Barclays bridging loan alternative can support a wide range of property transactions, including:

  • Purchasing a property at auction
  • Buying before an existing property has sold
  • Resolving a broken property chain
  • Renovating or developing a property before refinancing
  • Completing a purchase while a Barclays mortgage is still being processed
  • Any scenario where short term funding is required to keep a transaction moving

In every case, the focus is speed, flexibility, and a clearly defined exit strategy.

You can view our wider bridging finance options here

Example: Using a Barclays Bridging Loan Alternative

A client approached GPS Financial after being unable to access a bridging loan through their high street bank, as they were not an existing customer. The purchase was time sensitive and involved a property that required refurbishment before it would qualify for standard mortgage finance.

We arranged a short term bridging loan through a specialist lender, structured over a 12 month term with interest rolled up. This allowed the client to complete the purchase quickly and carry out the required works.

Once the refurbishment was complete, the property was refinanced onto a standard mortgage, repaying the bridging loan in full.

How Much Can You Borrow?

The amount available depends on several factors, including:

  • The value and location of the property
  • The type of transaction
  • The deposit or equity available
  • The strength of the exit strategy

Most bridging lenders offer between 70 percent and 85 percent loan to value, depending on how the deal is structured.

Each case is assessed individually, with the exit strategy playing a central role in lender approval.

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Why Use GPS Financial?

GPS Financial specialise in complex and time sensitive property finance, including bridging loans where high street banks are unable to assist.

We work with lenders who actively fund:

  • Auction purchases
  • Chain break transactions
  • Renovation and development projects
  • Time critical completions
  • Properties outside standard mortgage criteria

From the outset, we focus on the property, the timeline, and a realistic exit strategy. This ensures the finance supports the transaction rather than slowing it down.

For general information on UK mortgage products, Barclays outline their services on their website

Speak to GPS Financial

If you need a Barclays bridging loan alternative and want clear, practical advice, speak to the team at GPS Financial.

We will assess the property, your timeline, and your exit strategy, then recommend a suitable solution to help you move forward with confidence.

Call 029 2267 7707 or visit our Contact page to arrange a no obligation discussion

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Why GPS Financial?

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