Bridging Loans Manchester

How much can I borrow?

At Market Financial Solutions, we offer tailored bridging loans from £100,000 up to £50m. The amount you can borrow depends on your asset value, repayment strategy, and the overall profile of your project. Whether it’s a modest flat in Ancoats or a large commercial asset in Spinningfields, we’ll structure a loan that fits your needs.

What types of property can I purchase?

Our bridging finance in Manchester supports a wide range of property types. These include:

• Residential homes and flats (including HMOs)
• Buy-to-let and rental investments (including holiday lets)
• Commercial units and mixed-use premises
• Auction properties or homes requiring renovation

We can also assist with properties that fall outside conventional lending criteria, giving you the flexibility to invest where others can’t.

Our bridging loans are open to a broad spectrum of borrowers based in Manchester, or wanting to invest in Manchester. They include:

• First-time investors
• Experienced landlords and developers
• Companies and LLPs
• High-net-worth individuals
• Expats and foreign nationals

We assess each application on a case-by-case basis, meaning even those with complex or non-standard circumstances can access the funding they need.

Additional fees

In addition to interest, bridging loans may incur certain fees such as arrangement, valuation or broker fees.

We maintain transparency from day one, so you’ll be informed of all costs upfront with no hidden surprises.

How can I apply?

You can apply for a bridging loan in Manchester is straightforward. Here’s how to begin:

1. Initial Enquiry: Reach out to your local BDM or BDE via phone, email, or our website form with some basic details about your project.
2. Loan Illustration: We’ll provide indicative terms based on your requirements.
3. Underwriting: Submit supporting documents such as ID, property details, and your exit strategy.
4. Valuation & Legal Work: We’ll arrange property valuation and progress legal checks.
5. Funds Released: Upon completion, the funds will be transferred to your solicitor.

The whole process can often be completed in a matter of days.

Acceptable exit strategies

A robust exit strategy is essential for securing bridging finance. In Manchester, common exit routes include:

• Sale of the property or another asset
• Refinancing to a long-term mortgage or buy-to-let loan
• Incoming funds from a business or investment
• Proceeds from inheritance or a pension release

We assess each exit strategy for feasibility and timing, ensuring the loan can be repaid without undue risk.

Process to pay back the loan

Repayment typically occurs at the end of the loan term through the exit strategy. You’ll have the option to:

• Repay interest monthly or roll it into the loan (retained or rolled-up)
• Settle the entire balance in one payment at the end of the term
• Refinance if more time is needed (subject to approval)

We’ll work with you to determine the most suitable repayment method from the outset.

At Market Financial Solutions, we bring over 18 years of lending experience and a proven track record of delivering bespoke funding for time-sensitive property bridging loans. Our Manchester clients benefit from:

• Speedy decisions and fast funding
• No reliance on credit scoring
• Solutions for complicated or unusual cases
• Dedicated underwriter throughout your application
• Deep knowledge of Manchester’s property dynamics

When timing is critical, we provides the reliability and insight to help you secure your next opportunity.