Bridging Loan for Property Development

Bridging Loan for Property Development

Tailored short-term finance to bring your development project to life.
Last updated: October 2025

Why Use a Bridging Loan for Property Development

When you are building or converting property, timing is everything. A bridging loan provides the fast, flexible finance needed to keep your project moving, from purchase to build, refinance, or sale.

At GPS Financial, we have spent over a decade helping developers secure bespoke funding for everything from house conversions to ground-up builds. Our award-winning team understands the pressures, timelines, and exit strategies involved in development finance, so you always have expert support at every stage.

If you are new to this type of finance, download our free Bridging Guide to learn how the process works, what lenders look for, and how to plan your project for success.

What We Can Help You Fund

• Converting houses into HMOs
  • Turning pubs, offices, or shops into residential property
  • Small to medium development projects
  • Development exits to release equity before sale or refinance
  • Light refurbishments and pre-development site purchases

Each case is individually assessed; we shape the solution around your project, lender appetite, and timescale.

Key Features and Benefits

• Borrow from £100,000 or more for residential or mixed-use developments
  • Funding in as little as 5 to 10 working days
  • Short terms, typically 3 to 18 months
  • Interest options: rolled, retained, or serviced
  • Access to whole-of-market lenders for bespoke terms
  • Dedicated case management from application to completion
  
  

Case Study: Turning a Commercial Site into High-Value Homes

A property developer in Surrey approached us after their bank withdrew funding mid-project. They had purchased a disused light industrial building with planning permission to convert it into four detached homes but were under pressure to complete within tight deadlines. Traditional lenders were unwilling to support a part-complete development or a client with a limited track record.

Our team quickly assessed the site, coordinated an updated valuation, and structured a development bridging loan within ten working days. The funding allowed the client to clear the previous lender, complete the build, and bring the homes to market on time.

We kept the process running smoothly by liaising directly with solicitors and valuers, ensuring each drawdown landed on schedule and that the site continued progressing without interruption.

Result:

• Project value: £2.1 million
• Total loan: £1.25 million
• Completed and sold within nine months
• Developer realised over £400,000 in profit
• Returning client now funding their next project through GPS Financial

This case highlights what bridging finance achieves in practice: speed, structure, and expert coordination that keeps development projects moving when traditional funding falls short.

Bridging Hints and Tips

Start with the exit. Always plan your refinance or sale before you apply. It saves stress and speeds up approval.

Talk to us before booking a valuation. We can often guide how the lender views the property and its potential value.

Choose the right solicitor. A solicitor experienced in bridging is essential for fast completions.

Be ready with your documents. ID, proof of funds, and planning permissions all help secure quicker decisions.

Leverage your assets. If you have equity in another property, this can support higher borrowing or even 100% funding.

Call us early. Speak to us before you make an offer to ensure your finance is ready when you need it.

Why Choose GPS Financial

• Over a decade of property finance experience
  • Whole-of-market access and exclusive terms where available
  • Ethical, transparent advice and personal service
  • Authorised and regulated by the Financial Conduct Authority (FCA 975825)

Whether you are an investor, landlord, or developer, our team will structure the right solution and guide you every step of the way.

Contact us today to discuss your project, or download our Bridging Guide to find out how development bridging could work for you.

Content reviewed by Morgan Stewart, Director