Need certainty and speed under pressure? Smart matching technology connects your deal to the lenders most likely to approve — avoiding unnecessary declines. From £100,000. Decisions in 24 hours. No credit impact to check.
Bridging finance is a short-term loan secured against property or land. It bridges the gap between needing funds now and a longer-term solution — whether that is a mortgage, a property sale, or a refinance. Unlike a traditional mortgage, bridging finance can be arranged very quickly and lenders take a far more flexible approach to credit history, income and property condition.
The primary consideration is the value of the security property and the exit strategy — how the loan will be repaid. This makes bridging finance accessible to borrowers who may not qualify for a conventional mortgage but have equity in a property.
Bridging loans are used across a wide range of situations: buying at auction where a 28-day deadline applies, breaking a property chain, funding a refurbishment, accessing capital quickly for business purposes, paying an HMRC tax demand, probate and estate situations, and many more. The loan can be on a first or second charge basis, and interest is typically rolled up so there are no monthly payments during the term.
Loan terms typically run from 1 to 18 months, with most bridging loans repaid within 6 to 12 months. Early repayment is usually permitted without penalty, and interest is only charged to the day of repayment.
Terms in 24 hours. No obligation. No upfront fee.
OpenWay Finance is a specialist bridging finance introducer with a £15M dedicated lending facility. We connect borrowers directly with regulated UK lenders who specialise in short-term property finance. Our role is to match you with the right lender for your situation, negotiate the best available terms, and manage the process through to completion.
We are not a bank or building society. We are an independent introducer which means we are not tied to any single lender — we work across the market to find the best fit for each individual case. We deal with straightforward purchases, complex situations, adverse credit, unusual properties and tight deadlines.
There are no upfront fees and no obligation to proceed once you have received indicative terms. We issue indicative terms within 24 hours of enquiry and target completion within 5 working days where all parties are responsive.
24 hours. No obligation. No credit check.