Rapid Bridging Ltd are dedicated to supporting you at every stage of your application for a bridging loan. It is vital however that you personally understand the bridging loan application process so we can help determine the ideal product for your needs.

Our ‘Bridging Loan Process’ guide below explains the process, timescales and requirements for a typical bridging facility.

How Does Bridging Finance Work?

  1. The Buyer appoints an appropriate solicitor to act on their behalf. Ideally the selected solicitor will have relevant experience of bridging facilities.
  2. We discuss with you the nature of your project, the security you are able to provide and your planned exit strategy and timescales. We then use this information to identify the optimal Lender for your specific needs.
  3. We then provide the Lender with all the necessary information required for their credit risk assessment and approval. They will consider your current portfolio and assess whether enough equity is available to act as security for your new bridging loan.
  4. Once the Lender is satisfied with the proposal, they will approve the application and instruct a valuation surveyor (to confirm the value of the equity) and will issue you with an offer letter. This offer may be conditional upon the outcome of the valuation.
  5. The valuation surveyor will issue the valuation report directly to your appointed solicitor who will then conduct all the relevant Land Registry and Local Authority Searches, check the Title Deeds and raise any queries with the Vendor’s solicitor.
  6. Once your solicitor is satisfied with the outcome of their research, they will explain the terms and conditions of the bridging loan agreement to you
  7. Having received this Independent Legal Advice, you will now understand exactly what you are committing to and as such are able to sign the bridging loan agreement and enter into legal contract with confidence.
  8. Upon completion of your planned purchase, the Lender will release the borrowed funds directly to your solicitor, who will remit them to the vendors’ solicitor, thus completing the transaction.
  9. The Buyer repays the bridging loan as per the agreement, either in instalments or as a lump sum. Once the full amount is repaid, any legal charge (mortgage) over your assets, used as security, is released.
Bridging Loan Process - Advice

We hope you have found our ‘Bridging Loan Process’ guide useful. For more information on Bridging Loans see our Frequently Asked Questions page or call us on 0208 150 7528 we look forward to hearing from you soon.

Think carefully before securing other debts against your home. your home may be repossessed if you do not keep up repayments on a mortgage




Is your business in desperate need of short term finance? A commercial bridging loan can help you:

  • Raise Capital to fund business growth
  • Overcome financial difficulties
  • Take advantage of a business opportunity
  • Fund a property purchased at auction

We can help purchase and re-finance your commercial property.

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It can be hard to find a development bridging loan, but we have the contacts and experience to help you:

  • Fund any type of renovation project
  • Take advantage of a bargain you don’t want to miss
  • Source finance for a property that’s otherwise unmortgageable

We can reduce the stress as part of your property development team.

Applying for a Bridging Loan - Loans from 0.35%


When you need to raise money from property or land you own, a residential bridging loan can help you:

  • Buy before you sell, to avoid a chain breaking
  • Fund property you are buying at auction
  • Release urgent finance from your property or land assets

We’ll arrange your residential bridging loan quickly and easily.

Explain Bridging Loans from 0.55%