Flexible bridging finance
- Loans up to 70% LTV
- Adverse credit & inexperienced
- Reduced PGs considered
- Loans from £100k to £5m
Flexible bridging adapted for unique circumstances
Key features of our flexible bridging loans:
Not every deal fits the mould — and that’s where our Flexible Bridging Finance comes in. Designed for borrowers who need a more personalised approach, this product supports clients with imperfect credit, less experience, or unique circumstances.
We offer loans from £100,000 to £5 million, with terms up to 24 months, and no early repayment charges. We’ll consider reduced personal guarantees, and structure interest to suit your cash flow — with blended, retained or rolled options.
You can borrow up to 70% of the Open Market Value, and we’ll consider most property types, including those requiring light or moderate refurbishment.
First charge fixed monthly rates:
| % Of Open Market Value | Fixed Monthly Rates From: |
|---|---|
|
70% LTV |
0.99% |
Who you'll work with
Throughout your project you’ll be supported by our expert team
New business Team
Underwriting Team
Servicing Team
Head Office Team
‘Your service and support have been first class’ ‘I appreciate your credit-based approach’ ‘The options are workable and pragmatic. Thanks!’ ‘Quickest and most engaged lender I approached’
Your customer journey
Share your idea
Brokers and potential borrowers contact our New Business Team to discuss their property project and funding requirements. They can either call, email or complete a website Quick Loan Enquiry form. Our BDMs respond in person within 4 working hours!
Head of Terms
Our BDMs structure competitive heads of terms for the broker and borrower. Once agreed, it's time to begin the application process and submit the application pack.
Application time
Your BDM will introduce you to your dedicated Catalyst Underwriter, who reviews your application and liaises with the appointed solicitors, to ensure valuations are completed and funding is agreed quickly.
Loan completion: Funding provided
Following the underwriting process and valuation review, your Underwriter will work with you to ensure funding is provided as quickly and efficiently as possible. Ready for you to begin your property project.
Flexible bridging finance FAQs
This product is designed to support borrowers who don’t meet standard criteria — so it’s natural to have a few extra questions. Below, we’ve covered the key points about eligibility, rates, and how the process works.
What is flexible bridging finance?
Flexible bridging finance is a short-term loan aimed at borrowers who may not meet the criteria for a traditional bridging loan. It’s ideal for those with credit history issues, limited property experience, or non-standard ownership structures.
Who is flexible bridging for?
It’s designed for borrowers with adverse credit, those without experience in property development or investment, and anyone who needs reduced personal guarantees or a more tailored approach to underwriting.
How much can I borrow?
Loan sizes range from £100,000 to £5 million, depending on the strength of the deal and the property being used as security.
What’s the maximum LTV?
We lend up to 70% of the Open Market Value (OMV). Every deal is assessed individually, so there may be room for flexibility depending on the circumstances.
Can I apply with adverse credit?
Yes. We can consider borrowers with CCJs, arrears, discharged bankruptcies, and other credit challenges — provided there’s a realistic exit and a viable deal.
Do I need experience in property development?
No. We regularly work with first-time developers, landlords, and investors. While experience is helpful, it’s not a requirement for this product.
What kind of properties can I use as security?
We’ll consider most residential and semi-commercial properties in England and Wales. Light to moderate refurbishment projects can also be eligible under this product.
What are the repayment options?
We offer retained, rolled, or blended interest options. This gives you the flexibility to structure repayments in a way that suits your cash flow and exit plan.
How long is the loan term?
Flexible bridging loans are available for up to 24 months, with no early repayment charges. A minimum of 1 to 3 months’ interest is usually required.
How fast can I complete?
With the right information provided, we can move quickly. Timelines are dependent on how quickly valuation and legal
work can be completed. We aim to keep the process simple and transparent.
Here are a few of our case studies
See how our flexible approach has helped clients overcome credit hurdles, limited experience, and unconventional scenarios — and still complete successful deals.
Tailored bridging for unique borrower profiles
We understand that not every borrower has a perfect credit history or extensive experience in property development. Our flexible bridging finance accommodates a range of borrower profiles, including:
- Inexperienced borrowers: Ideal for those new to property investments or short-term financing.
- Adverse credit considered: We accept applications from those with past credit issues, provided any bankruptcies or IVAs are fully discharged.
- Reduced personal guarantees (PGs): For qualifying applicants, we offer bridging finance with reduced personal guarantee requirements.
Key features of flexible bridging finance
- Loan-to-value (LTV): Borrow up to 70% of Open Market Value (OMV), allowing for substantial financing on residential and semi-commercial properties.
- Competitive fixed rates: Enjoy fixed monthly rates starting from 0.99% for first charge bridging, providing a predictable and manageable cost structure.
- Flexible terms: Loan terms are available for up to 24 months, giving borrowers the flexibility to complete their projects within a suitable timeframe.
- Variety of property types: All property types are considered, with financing available for residential, semi-commercial, and even properties undergoing light to moderate refurbishment.
Suitable for various property transactions
Our flexible bridging finance can support a range of transactions, ensuring that borrowers can secure funding for:
- Purchase: Quickly access capital to purchase properties, including time-sensitive auction purchases.
- Development exit/finish and exit: Ideal for those looking to secure additional funding to complete or exit a development project.
- Refinance: Restructure your existing financing for improved terms.
Lending criteria overview
Our flexible bridging finance offers adaptable criteria to accommodate diverse borrowing needs:
- Loan sizes: Available from £100,000 to £5 million, providing options for both smaller and larger projects.
- Early repayment charges (ERCs): No ERCs, with a minimum interest period of only 1 to 3 months.
- Interest options: Choose from blended, retained, or rolled interest options, allowing you to customise the loan to suit your financial needs.
Why choose our flexible bridging finance?
Our ‘Flexible’ bridging finance product is designed with accessibility in mind, catering to borrowers with less-than-perfect credit histories or limited property investment experience. We believe in providing equal opportunities for property financing and supporting our clients’ unique investment journeys.
How does ‘flexible bridging’ help brokers and their borrowers? Our team share their thoughts:
James Farge, Sales Director, says: “Fast legals, brilliant service, flexible lending – wrapped by a product that considers inexperienced borrowers and accepts credit issues! If you have a tight auction turnaround, a need to complete on a purchase to beat the competition, or even require finance where other lenders have let you down at the last minute – this is where Catalyst flex comes into its own”
Sam Shand, Senior BDM, says: “With Flex, we are able to move extremely rapidly and view risk realistically.”
How to arrange your flexible bridging loan
If you need more details about our flex bridge, speak to our New Business Team today on 01202 112 900.
Flexible bridging finance is designed to help borrowers who want fast access and flexibility on short term finance. Our bridging experts will review your application requirements and give you a decision within one business hour.
We can offer loan terms of up to 24 months and loans up to £5 million.