# Bridging Loans London | Property Finance Source: https://www.cashbookfinance.co.uk/bridging-loans-london Last updated: 2026-10-29 Publisher: Cashbook Finance Limited > Bridging loans for suitable London property transactions, reviewed around valuation, security, LTV, legal readiness, timing and a credible repayment exit. FCA-registered UK lender FRN 782472 ## Deadline-led property funding reviewed by a London-based team. For suitable business and investment-property transactions, the structure is driven by security, valuation, legal position, total cost and a credible route to repayment. Cashbook Finance provides business bridging only, secured on business or investment property. It does not offer regulated bridging loans secured on a home the borrower or a close family member lives in. [Start an application](https://www.cashbookfinance.co.uk/apply?product=bridging) Not sure yet? [Check eligibility](https://www.cashbookfinance.co.uk/eligibility?product=bridging) in 2–3 minutes, or [talk to a director](https://www.cashbookfinance.co.uk/book-call). Illustration Exit planned at month 9, delayed by 3 months Exit still covers the loan - **Gross loan** £300,000 - **Property value** £500,000 - **Headroom at exit** £14,000 - Suitable property security and title - Independent valuation and workable LTV - Clear use of funds and borrower contribution - Evidence-led sale or refinance exit Property value £500,000 Gross loan £300,000 Exit delayed by 3 months Valuation falls by 0% 5% 10% The exit must remain credible after cost, delay and valuation pressure. Example only: 1% a month, rolled up, before fees. Check eligibility Practical fit ### What makes a London bridging case credible. 01 #### Security and value Suitable property, clear title and an independent valuation that supports the requested [gross loan](https://www.cashbookfinance.co.uk/insights/bridging-finance-glossary#term-gross-loan). 02 #### Purpose and cost A defined transaction, visible borrower contribution and enough headroom for interest, fees and delay. 03 #### Exit evidence A realistic sale or refinance route supported by timing, marketability, affordability and contingency. Where it fits ### Where a short-term bridge may solve a timing mismatch. Acquisition deadline #### Complete before long-term finance is ready Bridge a credible timing gap while a [commercial mortgage](https://www.cashbookfinance.co.uk/insights/bridging-finance-vs-commercial-mortgage) or other refinance completes its full process. Investment property #### Acquire, complete light works, then sell or refinance Fund a controlled purchase and works plan where the valuation, budget and exit remain coherent. Capital release #### Release funds against suitable property security Use available equity for a defined business purpose with a credible repayment plan. Assessment path ### Keep the deadline visible without skipping the controls. 1 #### Initial fit Property, purpose, gross loan, borrower contribution, charge position, deadline and exit. 2 #### Valuation Independent evidence of current value, marketability and any works assumptions. 3 #### Legal review Title, searches, security, undertakings, conditions and transaction documentation. 4 #### Completion Final conditions, usable proceeds, interest treatment and a monitored repayment timetable. **Security risk:** Your property may be repossessed if you do not keep up repayments on a loan secured against it. [Bridging finance LTV guide](https://www.cashbookfinance.co.uk/insights/bridging-finance-ltv-guide) Anonymised case evidence #### A commercial acquisition completed ahead of refinance. A trading business used a short-term first-charge facility to meet a property-purchase deadline while its commercial mortgage process continued. The refinance was evidenced, but never treated as guaranteed. [Read the verified case summary](https://www.cashbookfinance.co.uk/case-studies#case-4) The refinance was evidenced Independent valuation and title information Company accounts and management figures Proof of deposit and transaction costs Mortgage correspondence and delay contingency Worked example ### A London purchase on a deadline. An investor buys a £650,000 London flat for refurbishment and resale with a £422,500 bridge, selling in month 9. At London values the monthly interest is large, so the exit timetable is the number to stress-test. - **Property value** £650,000 - **Gross loan (65% loan-to-value)** £422,500 - **Arrangement fee, 1%, from the loan** £4,225 - **Interest at 1% a month, rolled up, for 9 months** £38,025 - **Repaid at exit (loan plus interest)** £460,525 - **Cost before valuation and legal fees** £42,250 - **If the exit is 3 months late** +£12,675 in interest Illustrative: interest at 1% a month, rolled up, and an arrangement fee of 1% of the loan. Valuation and legal costs are extra and quoted per case. Bridging finance is secured against property, which may be repossessed if repayments are not maintained. #### Official sources - [Regulated Activities Order 2001, article 61 (regulated mortgage contracts)](https://www.legislation.gov.uk/uksi/2001/544/article/61) · legislation.gov.uk - [Stamp Duty Land Tax](https://www.gov.uk/stamp-duty-land-tax) · GOV.UK Official guidance and legislation on the rules this page refers to. They explain the rules in general; take advice on your own position. ### More guides on bridging finance - [Auction bridging finance](https://www.cashbookfinance.co.uk/insights/auction-bridging-finance) · Guide - [Bridging finance exit strategies](https://www.cashbookfinance.co.uk/insights/bridging-finance-exit-strategy-guide) · Guide - [Bridging finance valuations](https://www.cashbookfinance.co.uk/insights/bridging-finance-valuation-guide) · Guide - [Bridging for limited companies and SPVs](https://www.cashbookfinance.co.uk/insights/bridging-loans-limited-companies-spvs) · Guide - [Refurbishment bridging finance](https://www.cashbookfinance.co.uk/insights/refurbishment-bridging-finance) · Guide - [Regulated vs unregulated bridging](https://www.cashbookfinance.co.uk/insights/regulated-vs-unregulated-bridging-loans) · Compare London or remote ### Review the deadline, security and exit with the team. Meet by appointment in SE1 or progress the valuation, legal and evidence process remotely. Need working capital against unpaid invoices? See [invoice finance in London](https://www.cashbookfinance.co.uk/invoice-finance-london). New to bridging? Start with the [bridging loan overview](https://www.cashbookfinance.co.uk/bridging-loan-guide). [Start an application](https://www.cashbookfinance.co.uk/apply?product=bridging) Not sure yet? [Check eligibility](https://www.cashbookfinance.co.uk/eligibility?product=bridging) in 2–3 minutes, or [talk to a director](https://www.cashbookfinance.co.uk/book-call). --- Cashbook Finance. Cashbook Finance Limited is registered with the Financial Conduct Authority under Firm Reference Number 782472. Company number 10723098. Registered office: Cumberland House, 24–28 Baxter Avenue, Southend-on-Sea, Essex SS2 6HZ. Registered with the Information Commissioner’s Office under reference ZB545200. All finance is subject to eligibility, satisfactory due diligence, credit approval and agreed terms. Invoice finance, trade finance and bridging finance may not be suitable for every business. The availability, structure, amount, pricing, fees, security requirements and completion timescales of any facility will depend on the applicant’s circumstances, the quality of the supporting evidence provided and our assessment of the proposed transaction. Any figures, examples, rates or timescales shown on this website are for illustrative purposes only and do not constitute an offer, commitment or guarantee of finance. Terms and conditions apply. Bridging finance is secured against property. Your property may be repossessed if you do not maintain repayments on a loan secured against it. Applicants should obtain independent legal, financial and tax advice where appropriate.