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Bridging LoansClear & Simple

Fincorp is one of the UK's most established and respected bridging loan companies. For more than 25 years the company has been providing 1st and 2nd charge bridging finance on residential properties in London and Southern England. Our bridging loans vary typically between £100,000 and £10 million, and we lend up to 70% value of the property secured on the property. And because you deal only with decision-makers, your bridging loan requirements are always dealt with quickly and with the minimum of fuss.

Why Fincorp for Bridging Loans?

We're a Principal Lender. Customers are able to get a decision quickly on their bridging loan without having to wait for authorisation from anyone else. And there's no back-tracking at a later date. So that means when we say yes to a loan, we mean it.

Our approach to business is summed up in two words, Clear and Simple. We believe that bridging lending is a straightforward business, all too often complicated by lenders with their lack of transparency and reliance on the small print. We work hard to make your dealings with us as clear and simple as possible.

Our Criteria

  • Principal Lender
  • 1st and 2nd Charges
  • London and South East
  • Residential properties
  • Bridging Loans from £100,000 - £10 million
  • Up to 70% LTV

Enquiry/Application for Individual Applicants


10 Top Tips for finding the right bridging lender

Latest News

Interview with Nigel Alexander

Fincorp's view: Should bridging lenders help people get a better credit history?

The debate over whether bridging lenders should aim to be mainstream or should offer a service to lenders with poor credit histories certainly has the industry talking. Here, Nigel Alexander, director at Fincorp, shares his views.

Should bridging lenders lend to borrowers with poor or no credit history?

No. In the past bridging lenders had a reputation for lending to borrowers with poor credit histories because they couldn't get funding elsewhere. However, nowadays not even good borrowers can get funding from mainstream lenders so they are seeking alternatives.

Does this put the sector in a negative light?

Yes. Bridging lenders don't have to do that any more. That type of lending stopped before the credit crunch. But it must be remembered even people with poor credit histories could get money from mainstream lenders before the credit crunch. That was the whole basis of the credit crunch – sub-prime lending. Bridging finance is seen as easier as there are fewer questions asked but the customers are of a better quality now than in the past.

What do you think of the comparison to loan sharks?

In the past that was probably true of some lenders – certainly not us, but some. Bridging had a bad reputation because rates were thought to be extortionately high but they're actually quite competitive now.

So who is a typical bridging customer?

People who need finance quickly. For example, with buy–to–let properties, a buy–to–let mortgage takes 12 weeks to come through, but if you buy at auction you need that funding within four weeks. Most of our customer are professionals. We don't have much experience of dealing with Mr and Mrs Joe Bloggs. Most of our customers have a discernible track record in property.

Will bridging finance ever be classed as mainstream?

I think it will always be niche but it is being viewed as mainstream because mainstream lenders are not really open for business. While they are not open for business bridging finance will always provide an alternative.