Joint Bridging Loan

Service for UK & International Property


Clifton private finance

We specialise in raising bridging loans on residential and commercial property transactions in the UK & Europe

Our bridging loans service provides:

  • Market leading bridging loans from £50,000 to £25m
  • Monthly interest rates from 0.43% pm
  • Lower rates for £1 million+ loans
  • £99 valuation option for properties up to £1 million
  • Terms from 3 months to 3 years
  • LTVs up to 80% (can be more if other assets in the background)
  • Interest roll up options
  • Rebridge loan options
  • Residential bridging downsizing and upsizing finance for UK and foreign property purchase, chain breakingbuy to let, HMO, investment and commercial properties considered
  • Light refurbishment loans (currently uninhabitable, under permitted development rules, require internal refurbishment)
  • Heavy refurbishment loans (Change of use, Extensions, basement digs, loft conversions, commercial to residential, barn conversions)
  • Development bridging loan solutions
  • Bridging loans for business purposes (Pay HMRC tax bill, purchasing land or new premises, deposit for new purchase, property portfolio purchase, business growth)
  • We can help if you are a UK expat needing short term finance to secure a residential or investment property back in the UK. We can help with bridging loans for non UK citizens we can help if you are looking to fund investment property
  • Alternative non bricks and mortar asset backed bridging loans considered (£1m + ) e.g. pension, investment porfolios, jewellery, fine art, classic cars
  • We provide a friendly, professional service to help you get the money you need at the best available rates


Buying Before Selling?

Rates from:

0.43% pm


Releasing Funds From Your Home

Short Term Lease Finance

Auction Purchase

As at September 2020

Development & Refurb

Fast Finance

Rates from:

0.38% pm

Ground Up Development

Light & Heavy Refurb

Finance For Unmortgageable Properties

Land Purchase

As at September 2020


Large Bridging Loans

Rates from:

0.175% pm

Up to 80% LTV

Minimum Loan £500k

Minimum Income £100k

Serviced monthly interest required

As at September 2020

Contact Us

Thank You for your interest - please complete the form below and a member of our team will be in contact.

Call us on 0117 959 5094 to discuss your requirements.

Property Finance Deals

Bridging Loan For House In North London
North London
Capital Raised
Low-cost £1.23M bridging loan with flexible terms
Home counties
Capital Raised
£2M-plus bridge to buy new home plus rental property while awaiting sale of Sussex country house
East Sussex
Capital Raised
Bridge finance for Channel Islands resident to build new Guernsey home
Capital Raised
£2.6M 100% LTV residential bridging loan secured against 3 properties
Capital Raised
Finish and exit for £1.95M barn development
Capital Raised

More Opportunities »

Contact Us

Joint Bridging Loans

Bridging Loans are a form of short-term finance which are designed to solve a temporary cash flow problem before long term finance such as a mortgage is a viable option.

Like other forms of finance, it is possible to have a joint bridging loan which is when two individuals (usually partners, spouses etc) are both named on the loan and both own the property.

You and your partner might want to take out a bridging loan when a mortgage is either not an option, or will take too long. 

Examples of this might include:

They can also be used as a form of refurbishment loan. This might happen when a property does not require planning permission or is not subject to building regulations. 

Examples of this include:

There are many situations in which bridging loans can be the ideal choice for a couple looking to make the next step in their property ownership, whether this is for their own residence or for a property development. If you are both planning on living in the property (or a family member is going to live there), then you will need a regulated bridging loan. 

But if you are planning on renting out this property, or doing it up and selling it on, then you will need an unregulated bridging loan. 

If you already own a property together, then this will be a second charge bridging loan. 

No matter what your specific requirements are, if you contact our team of knowledgeable brokers we will be able to guide both of you through the process of applying for and achieving the bridging loan that is right for you. 

Our highly experienced team can help with:

Why use Clifton Private Finance?

Based in Bristol and Cardiff Clifton Private Finance has expertise in sourcing large bridging loans; we have contacts with all of the leading banks and private lenders across the whole of the market. This means we can always offer our clients the best rates available for their borrowing needs. For examples of bridging loan cases we have completed for a range of funding scenarios please see our bridging loan case studies
If speed is a priority bridging finance can be arranged quickly depending on your situation. 
Call us on 0117 959 5094 to discuss your requirements.
What Our

Clients Say


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Get in Touch

If you have any questions about our services or want to start making things happen please contact us