Bridging and Development Loans

Bridging Loans & Development Finance

Bridging loans and development finance provide fast, flexible funding for property purchases, refurbishments and construction projects. Whether you’re buying at auction, breaking a chain, upgrading a property or building from the ground up, NexGen Finance helps you secure the right short-term or development funding for your plans. We work with investors, landlords, developers and homeowners across the UK, offering clear guidance and access to a wide range of lenders that specialise in fast and flexible property finance.

Bridging Loans

Bridging loans are short-term finance solutions designed for situations where speed and flexibility are essential. They can be used to purchase property, raise capital or complete a project before transitioning to longer-term lending.
  • ✔ Fast approvals and quick access to funds
  • ✔ Ideal for auctions, chain breaks or urgent purchases
  • ✔ Suitable for properties that need refurbishment
  • ✔ Can be used alongside development or HMO strategies
  • ✔ Option to refinance onto a standard mortgage later

Common Uses for Bridging Loans

  • Auction Purchases – complete within tight deadlines
  • Refurbishment Projects – light, medium or heavy works
  • Chain Breaks – secure your new home before your sale completes
  • Unmortgageable Properties – homes needing work before term lending
  • Raising Short-Term Capital – business or investment purposes

Development Finance

Development finance is designed for construction projects ranging from small refurbishments to ground-up builds. We support both first-time and experienced developers in securing funding tailored to their project size and structure.
  • ✔ Finance for new-build developments
  • ✔ Conversions and change-of-use projects
  • ✔ Heavy refurbishment and structural works
  • ✔ Stage release funding aligned with build schedules
  • ✔ Suitable for single-unit and multi-unit schemes

Types of Development Finance

  • Light Development Finance – cosmetic upgrades, non-structural works
  • Heavy Development Finance – structural changes, significant renovations
  • Ground-Up Development – new-build projects from land acquisition onwards
  • Development Exit Finance – refinance once the project is near completion

How We Help

  • 📈 Assessing project plans, experience and timelines
  • 📄 Reviewing build costs, valuations and schedules of work
  • 🏦 Access to specialist bridging and development lenders
  • 🚀 Fast turnaround for time-sensitive applications
  • 🧾 Support with documents, appraisals and lender requirements

The Application Process

1. Initial Review

We discuss your project, timelines, experience and funding needs.

2. Lender Selection

We identify lenders suited to your project type, whether refurbishment or full development.

3. Appraisal & Valuation

Lenders assess the project, expected costs, end value and risk. We help prepare everything required.

4. Application & Legals

Once agreed, the lender issues terms and legal work begins to progress the funding.

5. Drawdown

Funds are released either as a lump sum (bridging) or in build stages (development finance).

Common Challenges We Handle

  • ✔ Tight deadlines for auction purchases
  • ✔ Limited developer experience
  • ✔ Properties needing significant refurbishment
  • ✔ Complex build schedules or varying project stages
  • ✔ Raising capital mid-project for cashflow

Get Started

If you’re planning a refurbishment, conversion or full development, or need short-term finance for an urgent purchase, NexGen Finance can help you secure the right funding quickly and confidently. Contact us today to begin your bridging or development finance enquiry.

🧮 Mortgage Calculator for Buyers and Homeowners

Using a mortgage calculator is a smart way to understand your potential monthly payments before making any big decisions. Whether you’re buying your first home or looking to remortgage, it’s a quick and simple way to plan ahead.

Our calculator is designed to give you a clear idea of what your repayments could look like based on your loan amount, term, and interest rate — helping you make informed choices early on.

Ready to get started?
Visit our Mortgage Calculator page now and take the first step in your home buying or remortgaging journey.

Contact Us Today - 03300100061

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