✅ No credit check⚡ Matched in minutes🔒 FCA regulated
72hrsfastest bridging loan completion
25k+people matched
4.9★average rating
4.9★
Average adviser rating
★★★★★
4.9
2,847 reviews
🏆58,000+ people matched
✅100% FCA-regulated advisers
🆓Free matching service
⚡Matched within 2 minutes
🌐Whole of market access
25k+
FCA-regulated brokers
4.9★
Average adviser rating
100%
FCA-regulated advisers
2min
Average matching time
Why Nesto
Why use a Bridging Loan Broker?
Bridging finance is complex, expensive if misused, and potentially transformative if deployed correctly. Rates, fees and structures vary enormously between lenders — and the wrong deal can wipe out your profit on a property transaction. A specialist bridging broker knows which lenders work fastest, which have the most flexible exit criteria, and which offer the most competitive rates for your specific deal. They structure the loan correctly from the start, protecting you from costly surprises.
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Speed
Bridging loans can complete in days. Your broker knows which lenders move fastest for urgent transactions.
🔧
Deal structuring
Correct structuring from day one avoids costly complications at the exit. Brokers who know bridging prevent expensive mistakes.
💰
Best rates
Bridging rates vary from 0.55% to 1.5%+ per month. Your broker compares every lender to find the most competitive deal.
🚪
Exit strategy
Lenders need confidence in your exit strategy. Your broker presents your case compellingly to maximise approval.
Every adviser matched by Nesto is independently FCA-authorised and regulated
"I'd been putting off finding a bridging loan adviser for years. Nesto matched me in literally two minutes and the adviser they found was brilliant — saved me thousands."
Sarah M.
London · Bridging Loan Broker customer
★★★★★
"The adviser Nesto matched me with was incredibly knowledgeable and patient. He explained everything clearly and found me a deal I never would have found on my own."
James K.
Manchester · Bridging Loan Broker customer
★★★★★
"I was sceptical about using a matching service but Nesto was genuinely impressive. Free, fast, and the adviser they found was a total expert. Highly recommend."
Priya S.
Birmingham · Bridging Loan Broker customer
Simple Process
How Nesto works
Getting matched takes under 2 minutes. Here's the process:
1
Tell us what you need
Answer a few quick questions about your situation so we can understand exactly what kind of bridging loan adviser you need.
2
Get matched instantly
Our matching engine connects you with the best-fit, FCA-regulated Bridging Loan Broker from our vetted adviser panel.
3
Get expert advice — free
Your adviser contacts you within 24 hours to arrange a free initial consultation with no obligation to proceed.
Fund auction buys that must complete within 28 days — impossible with a standard mortgage.
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Chain breaks
Buy your next property before your current one has sold.
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Refurbishment
Fund property improvements before refinancing to a standard mortgage or selling.
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Commercial property
Bridge finance for commercial and mixed-use property transactions.
🌍
Foreign nationals
Specialist lenders who consider non-UK residents and foreign currency earners.
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Development finance
Short-term development loans for ground-up builds and major conversions.
Got Questions?
Frequently asked questions about Bridging Loan Brokers
A bridging loan is short-term property finance, typically 1–24 months, used to 'bridge' a gap — between buying and selling, between auction and mortgage, or during refurbishment before refinancing.
Currently 0.55–1.5% per month (7–18% annualised) depending on LTV, credit profile and the lender. Your broker will find the most competitive rate for your specific transaction.
Fast lenders can complete in 5–10 working days. For very straightforward cases with all documentation ready, some complete in 72 hours. Your broker will identify the fastest lender for your deal.
Regulated bridging applies when the property is your home or a close relative's. Unregulated applies to investment properties. Regulated deals have stronger consumer protections.
Property purchase, refurbishment, chain breaks, auction finance, planning gain, development, commercial property and land. They cannot be used for standard residential purchase where a mortgage is available.
Your exit strategy is how you'll repay the bridging loan — typically by selling the property or refinancing to a mortgage. Lenders must be satisfied your exit is credible and achievable.
Typically £25,000–£25 million, depending on the lender and the property value. Most lenders will lend up to 75% LTV; some go to 80% with additional security.
Arrangement fees (1–2%), valuation fees, legal fees, broker fees and potentially exit fees. Your broker will present a full cost illustration so you understand the total cost.
Often yes. Bridging lenders focus primarily on the security and exit strategy rather than credit score. Your broker will identify lenders who consider your specific situation.
At the end of the term, either by selling the property or refinancing to a long-term mortgage. Monthly interest can be rolled up (no monthly payments) or serviced (paid monthly).
Contact your lender and broker immediately. Extensions are often available, though at additional cost. Failure to repay risks repossession. A realistic exit strategy prevents this situation.
Some are, some aren't — see regulated vs unregulated above. All bridging loan brokers must be FCA-authorised regardless of the type of transaction.
Fast. In urgent cases, bridging loans can complete in 48–72 hours if the application is straightforward and the security is clear. Most cases complete within 1–3 weeks. A broker experienced in bridging manages the entire process to hit your deadline.
A regulated bridge is secured against a property you live in or intend to live in — governed by the FCA with full consumer protections. An unregulated bridge covers investment properties, commercial premises, and development. Different lenders specialise in each. A broker places you with the right one.
Yes. Bridging lenders focus primarily on the property security and exit route rather than credit history. Many will lend to applicants with CCJs, defaults, or previous bankruptcy. A specialist broker identifies which lenders are most appropriate for your situation.
Still have questions? Your matched adviser will answer them all — for free.
Answer a few quick questions and we'll match you with a qualified, FCA-regulated adviser suited to your exact situation — completely free, no obligation.
