Is your client looking for a quick, short-term borrowing solution? Our bridging proposition could help.

The growth of bridging finance in recent years reflects the increasingly diverse borrowing needs in today’s property market.

What was once viewed as a niche lending product has evolved into a mainstream funding solution, with the bridging sector achieving record-breaking loan books of more than £13.7 billion in 2025¹ This growth highlights a simple truth: borrowers and brokers value the speed, certainty and flexibility that bridging finance can provide when traditional funding routes aren’t suitable.

As your clients’ lending requirements have changed, so the need for more flexible funding solutions has grown. While a straightforward residential mortgage or buy-to-let product remains the go-to option in many circumstances, there are plenty of situations where borrowers need a faster, more adaptable approach to finance.

All of which is why I’m so excited about our new regulated and non-regulated bridging finance proposition which has been designed for borrowers looking to undertake a range of property transactions and refurbishment projects.

This is a huge moment for us. Entering into the bridging market is a key milestone in our development and represents another important step in the evolution of our specialist lending proposition. It enables us to serve a broader range of borrowers by giving them access to products designed to help when traditional finance may not be suitable, or when funds are needed quickly.

They could be a homeowner looking to prevent a property chain from collapsing, or to fund a move before their existing home has sold or simply needing to access short-term liquidity. Or maybe they’re a landlord looking to secure an auction purchase or refinance, we’ve got products designed to help.

And for those undertaking refurbishment projects, our range can support everything from light works such as kitchen, bathroom and internal upgrades, through to larger-scale structural projects requiring planning permission and full building regulations approval.

Rates start from 0.70% per month up to 75% LTV and clients can borrow between £100,000 and £10 million. What’s more, they don’t have to worry about exit fees or early repayment charges.

We’ll also consider cases involving unsatisfied CCJs, unsatisfied debts and unsatisfied secured and unsecured arrears, and we can use AVMs to provide fast, data-driven property valuations to help us in assessing security more quickly and consistently.

Products are currently available to directly authorised brokers through selected mortgage clubs and our bridging packager panel. However, as we continue to expand our distribution, additional routes will be introduced over time.

If you’ve got a case that needs a quick, short-term funding solution, you can find full details by taking a look at the new bridging page.

And don’t forget, if you’ve got a question about our bridging proposition, our business development managers are here. Alternatively, call us on 01252 365888 or email sales@chlmortgages.co.uk.