Fast, Flexible Short-Term Funding for Property Transactions

When speed and certainty are essential, bridging finance offers a powerful solution. We specialise in arranging bridging loans for property purchases, refinancing, development, and investment opportunities, ensuring you never miss a deadline or a deal.

What is Bridging Finance?

Bridging finance is a short-term loan designed to 'bridge' a funding gap between two financial transactions. Commonly used when buying a property before selling another or when a quick purchase is required, bridging loans are secured against property and typically repaid within 3 to 24 months.

When is Bridging Finance Used?

✅ Chain Breaks

✅ Auction Purchases

✅ Below-Market Value (BMV) Opportunities

✅ Quick Acquisition of Investment Property

✅ Unmortgageable or Derelict Properties

✅ Light or Heavy Refurbishment Projects

✅ Capital Raising or Debt Consolidation

✅ Planning Gain & Land Acquisitions

✅ Exit or Refinance of Development Loans

Types of Bridging Finance We Offer

✅ Residential Bridging Loans (unregulated)

✅ Commercial Bridging Loans

✅ Auction Bridging Loans

✅ Development Exit Bridging Loans

✅ Refurbishment Bridging (Light & Heavy)

✅ Second Charge Bridging Loans

✅ Bridge-to-Let and Bridge-to-Sell Products

✅ Chain Break Solutions

Who Can Use Bridging Finance?

We arrange bridging loans for:

✅ Property Investors

✅ Landlords

✅ Developers

✅ Limited Companies & SPVs

✅ Partnerships and LLPs

✅ Offshore Borrowers (onshore security)

Why Choose JMS Capital Partners?

✅ Whole-of-Market Access to specialist and mainstream bridging lenders

✅ Experienced Team to structure complex or time-sensitive deals

✅ End-to-End Support from enquiry to legal completion

✅ Speed & Certainty with pre-approved facilities for repeat borrowers

✅ Transparent Terms with no hidden costs or inflated valuations

What You'll Need to Get Started

✅ Property details (including security address and type)

✅ Loan amount and purpose

✅ Desired term and exit plan

✅ Details of borrower and ownership structure

✅ Proof of ID & supporting documentation

Common Questions Answered

1. How quickly can I get a bridging loan?
   In urgent cases, we can complete within 3–5 working days. On average, deals close in 7–14 days.
2. Do I need an exit strategy?
   A clear exit strategy—such as sale or refinance—is essential for all bridging lenders.
3. Can I use bridging for uninhabitable property?
   Bridging is ideal for unmortgageable or derelict properties not suitable for standard finance.
4. Can I get 100% bridging finance?
   Only if you have additional security to offer, such as a second property.