The Short-term bridging loans that we provide are extremely popular. Please refer to the table below for more information.

First Charge BTL /  Residential Investments Second Charge BTL / Residential Investments First Charge Semi Commercial First Charge Commercial
Maximum LTV (up to) 75% 75% 75% 75%
Minimum Loan £250,000 £250,000 £250,000 £250,000
Maximum Loan £10m £2m £10m £10m
Minimum Term 3 Months 3 Months 3 Months 3 Months
Maximum Term 12 Months 12 Months 12 Months 12 Months
Rates from 0.75% 1.25% 0.89% 0.89%
Arrangement fee 2% 2% 2% 2%
Exit fee (Minimum Term 3 Months) None None None None


At MFS UK we have vast experience in dealing with bridging finance for clients in a number of different sectors, encompassing a broad range of investment opportunities. As a result, we are well placed to cater for your needs with our bespoke service.

Residential Investments
Funding towards property acquisition, auctions and renovations.

Suitable for one-off purchases through to a growing buy-to-let portfolio. Once the bridging is completed, we are also able to assist with repayment strategies.

Semi-Commercial Properties
Funding towards investment opportunities such as a retail unit with residential accommodation.

Commercial Properties
For the acquisition or capital raising of office space or manufacturing warehouses. Funds can be provided instantly.

Development Finance
Assisting the borrower to develop residential or commercial sites during acquisition.

Funding for acquisitions, mergers or loans for redevelopment. We have successfully completed many transactions in this area from luxury 5* hotels to limited service and boutique guesthouses.

Nursing Homes & Care Homes
Funding for refinancing, acquisitions and extensions.


Bridging loans have a variety of uses when it comes to purchasing and refurbishing property.

Here are a few examples of the common uses of bridging finance that we put in place for our clients:

Purchasing property from an auction
In order to complete a purchase from an auction, the buyer must pay for the property within a certain timeframe. Obtaining a mortgage from a high street lender is often impossible under such strict time constraints, therefore a bridging loan is the ideal way to raise the finance required quickly, ensuring you adhere to the auction time scales.

Broker chains
If a buyer pulls out of purchasing your property at the last minute, it can leave your own commercial objective in jeopardy. Arranging bridging finance means you can continue with your acquisition and provides you with extra time to sell your own asset.

Buy-to-let landlords adding to their portfolio
If you are keen to add a new property to your portfolio, but you do not want to miss the opportunity whilst your bank approves your application, bridging finance is the perfect solution. Bridging loans allow you to raise large sums of cash, fast – without going through a lengthy application process.

Property investors
If you are a property investor applying for a loan, it can take a long time if you do not have the funds ready to purchase a property outright. With our bridging finance you can purchase the property you have in mind promptly, while making other arrangements for the long-term financing of the asset.

Renovation Projects
If you are looking to purchase an investment property to develop or renovate in order to sell on, a bridging loan can help you. Most institutional mortgage lenders require property to be in a “habitable” condition before granting the loan. Bridging finance buys you time to renovate the property to a standard where lenders will be happy to fund your purchase.