Bridging Loans
Fast Bridging Loans UK & Western Europe – Our Short-Term Niche-Specific Property Finance Solutions.
Fast access to Capital for time sensitive transactions and complex scenarios.
At Hanover Commercial Finance, we specialise in arranging tailored bridging loans and short-term finance for commercial and residential property transactions across the UK and Western Europe. We work with specialist lending partners to deliver fast, flexible funding – ideal when urgent access to capital is essential and traditional lenders are too slow or restrictive.
Whether you’re investing, developing, refinancing, or managing business cash flow challenges, we structure bridging solutions that suit your circumstances.
A bridging loan is a short-term financial solution designed to “bridge the gap” between an immediate funding need and a long-term finance solution or sale of an asset. These loans are secured against property or other valuable assets and can be arranged far quicker than traditional mortgages or commercial loans.
Key Features:
- Fast completion – funds often available in days not weeks.
- Short terms – typically 3 to 24 months depending on the deal.
- Flexible security options – UK & European property, land, portfolios, and more.
- Tailored solutions – for individuals, companies, developers, and investors.
Bridging Loans in the UK:
Our UK bridging finance facilities offer reliable short-term funding secured against a wide range of UK property types:
- Owner Occupied Residential and Buy-to-Let properties
- Commercial and Mixed-Use Properties
- Land with planning permission
- Holiday homes, care homes, and investment portfolios
- Solutions to protect against property repossession or business insolvency
With competitive interest rates and up to 70% loan-to-value (higher with additional security), we can support complex and high-value borrowing needs.
Bridging Finance for Property Developers:
Developers frequently use bridging loans to secure sites, refinance existing holdings, or cover urgent budget shortfalls. Bridging is also an effective solution when:
- Traditional development loans are unavailable
- Planning consent delays cash flow
- Fast site purchases are needed before capital commitments expire
We leverage our specialist lending partners to deliver the right property development finance quickly – to keep projects on track.
European Bridging Loan Options:
We are one of the few broker firms specialising in European bridging loans, providing fast, bespoke finance for property purchases and refinancing of projects outside the UK.
Our core European bridging solutions include:
✔ Funding in major markets such as France, Germany, Spain, Switzerland, Ireland, Portugal, Austria, Luxembourg, Monaco, Belgium, Netherlands, Sweden, Norway, Denmark, Finland.
✔ Residential, Commercial, Mixed-Use, Hotel, Healthcare, and Education sectors
✔ Loan amounts from €1m to €50m +
✔ Up to 60% LTV for prime residential, up to 50% for commercial property. Interest Rates from 1.25% pm +/-. Requires satisfactory exit route to be in place. Term: 3–24 months. Completion within 4-6 weeks, on average.
Because traditional lenders often struggle with the speed and complexity of cross-border deals, our network delivers financing when others can’t.
Special Situations
Bridge Finance and Corporate Mergers and Acquisitions (M&A)
Bridge finance plays a critical role in corporate mergers and acquisitions (M&A) by providing short-term funding that enables buyers to complete transactions quickly while arranging long-term financing. In competitive M&A environments, bridge loans help acquirers secure deals without delays caused by funding gaps or lengthy capital-raising processes.
Bridge finance is a temporary capital raising solution used to “bridge” the gap between an immediate funding need and the availability of permanent capital, such as term loans, bonds, equity issuance, or asset sales. In M&A transactions, bridge finance is often deployed at signing or closing to ensure deal certainty.
Bridge Finance in M&A provides the following benefits:
- Accelerates transaction execution
- Reduces financing risk at closing
- Enhances bidder competitiveness
- Provides interim liquidity and flexibility
- Aligns short-term funding with long-term capital strategy
When used strategically, bridge finance enhances deal certainty, supports complex acquisitions, and provides flexibility in dynamic market conditions.
Alternative Short-Term Loan Facilities:
In addition to property-backed bridging, we can arrange bespoke short-term loans secured against luxury assets such as fine art, classic cars, jewellery, and watches. These facilities are ideal for high-net-worth individuals needing fast liquidity with minimal documentation.
Estate Finance – Inheritance Tax Solutions:
If an estate’s value is tied up in property and you need funds to pay inheritance tax (IHT) quickly, our unique bridging solutions provide short-term capital to settle tax liabilities while preserving the estate’s value.
Why Choose Hanover Commercial Finance?
- Specialist bridging loan broker with deep market knowledge
- Fast turnaround times tailored to time-sensitive opportunities
- Support for complex and high-value deals
- Solutions across the UK and Western Europe
- Discreet, professional service from expert advisers
How our Bridging Loan Process Works
1. Initial Consultation – We review your objectives, timelines and financial position.
2. Proposal & Strategy – We tailor financing options that align with your exit plan and risk profiles.
3. Lender Selection – We approach specialist lenders to secure the best terms.
4. Fast Decision & Completion – Once terms are agreed, we aim to complete swiftly to ensure you meet critical deadlines.
Speak to an Expert
Need a bridging loan or short-term finance solution?
Contact Hanover Commercial Finance today for a confidential discussion and tailored quote.
📞 Call us on 0196 280 8057 or 07847 409616
💬 Speak with a specialist and get the funds you need fast.
Get in touch today!