Bridging loans
We support brokers placing bridging loans where speed, flexibility, or timing is critical. Our experience helps you assess suitability early and structure the finance correctly, particularly when more common financing options aren’t the right solution.
What is a bridging loan?
A bridging loan is a short-term form of finance designed to ‘bridge’ a funding gap, typically used while a longer-term solution is arranged. It’s often secured against property and is intended to be repaid through a clear exit strategy, such as sale, refinance, or completion of works.
Bridging finance is commonly used when timing is critical, a property isn’t yet mortgageable, or a client needs flexibility that mainstream lending can’t provide. This might include auction purchases, funding during renovations, or unlocking capital ahead of a longer-term refinance.
For brokers, bridging loans are often the right option when a client needs fast access to funds and a clear short-term solution. And we’re here if you want to work with a specialist lender that understands non-standard scenarios.
Why do you need a specialist?
While bridging finance can be highly effective, it also requires careful assessment. Exit strategy, costs, and lender requirements must be considered early, as small oversights can significantly affect suitability or risk. Our role is to help you navigate these considerations clearly and responsibly by:
Identifying lenders aligned to the property type and scenario.
Supporting clear expectations around costs, timelines, and repayments.
Helping you avoid unnecessary risk or inappropriate use of short-term finance.
There’s two ways to work with Mayflower
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Packager service
If you want to remain closely involved in the advice process, we will work alongside you to:
✓ Assess project viability and lender fit.
✓ Provide a complimentary fully costed schedule of works.
✓ Navigate construction-specific challenges.
✓ Provide a cashflow forecast for your clients’s project.
✓ Minimum proc. fee paid of 0.4% up to 1%.
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Refer clients directly
Refer your client directly to Mayflower and we:
✓ Manage the whole advice process from initial enquiry through to completion.
✓ Keep you updated at every stage. You have 24/7 access through your Mayflower portal.
✓ Post-build, no contact is made by us.
✓ We don’t cross-sell any personal insurance.
✓ Minimum 0.16% fee paid for referrals on completion.
Experience you can rely on
Bridging finance often sits alongside self-build, renovation, or development projects, and understanding how these elements interact is key to placing the right solution.
At Mayflower, we regularly support brokers with bridging scenarios connected to complex property projects, time pressures, and non-standard situations. We provide clear, realistic guidance to help cases progress smoothly and responsibly.
Ready to discuss a bridging loan case?
If you’re working with a client who needs short-term finance and would value specialist support, we’re here to help. You can register to submit a case, or get in touch if you’d like to discuss the scenario before proceeding.