Bridging finance.
Up to 70% LTV.
£100,000 to £5,000,000+. First and second charge. Funded in 10 to 15 days. Institutional lenders. No unnecessary delays.
Three reasons clients come to us over their bank.
Your bank needs 3 months
Chain breaks, auctions, refinances — none of them wait for a high-street bank. We work with specialist lenders who are built to move fast. Indicative terms the same day you apply.
You need maximum leverage
Most lenders cap at 60–65%. We access the full panel — and push to 70% LTV where the deal supports it. More leverage means less equity tied up.
Your deal is complex
Second charge. Adverse credit. Mixed-use. Development exit. We have seen it before. We structure the deal properly and match it to the right lender on our panel — not the easiest one.
Residential. Commercial. Development exit.
We work with an extensive panel of vetted, proven lenders — specialist bridging, regulated products, and commercial facilities. We match your deal to the right lender, not the easiest one for us.
- Residential property (houses, flats, HMO, semi-commercial)
- Commercial and mixed-use property
- First or second charge
- Up to 70% LTV on standard residential
- Up to 75% LTV on residential purchase (~60% net cash towards purchase)
- Up to 65% LTV on commercial or complex
- Loans from £100,000 to £5,000,000+
- England, Scotland and Wales
- Adverse credit considered — tell us the full picture
- Regulated and unregulated bridging
- Combined debt above 70% LTV
- Loans below £26,000 (consider our Speed Loan)
- Land without planning
From enquiry to drawdown in five steps.
Indicative terms
Submit your details. We match you to the right lender and issue indicative terms the same day.
Formal application
We package your case. LOR sent to lender. Most lenders respond within 24 hours with a credit decision.
Offer issued
Formal offer letter issued to your solicitor. Ackroyds (our recommended solicitor) can fast-track this.
Legal & valuation
Valuation booked. Solicitors exchange title and security documents. No surprises.
Drawdown
Funds released. Bridging loan completes. You've achieved what the bank couldn't do in 3 months.
Indicative terms.
Same day.
No upfront fees. No obligation. We tell you what we can do and who we'd place it with — before you commit to anything.
Tell us about the loan.
Once your main loan terms are in place, we can also arrange a Speed Loan running alongside — funds in 72 hours while the main loan completes in the background. You get immediate liquidity and long-term security in parallel. Ask us about this on the call if speed is a priority.
Here's what happens next.
Confirmation on WhatsApp
Reference number, broker assigned, what to expect.
Byron or Chris calls
Real person, no call centre. Indicative terms discussed on the call.
Written terms issued
LOR sent to lender. Formal offer within 24–48 hours from there.
Explore the Posfin Product Stack
One enquiry, the right route. Each product is matched to the deal — not the easiest option for us.
Speed Loan
Fast equitable-charge liquidity when timing is everything.
Explore → 02Main Bridging Loan
Flexible specialist first or second charge bridge across our panel.
Explore → Institutional 03Bank Bridge
Lower-rate institutional bridging for cleaner cases — strong security, clear exit, pricing potentially sharper than standard specialist bridging, subject to underwriting.
Explore → You're here 04Purchase & Refurb
Acquisition, works and exit in one facility.
Explore → 05Back-to-Back Bridge
Speed liquidity now, main-loan refinance where appropriate.
Explore → 06Development Finance
Ground-up, structural and staged development funding.
Explore → 07Development Exit
Refinance completed or near-complete schemes onto cheaper capital.
Explore → 08Acquisition Finance
Business and property acquisition structures.
Explore →Senior Desk — Complex & Large Cases
A senior handling route, not a standard product. Larger, bespoke, multi-security, time-sensitive or awkward legal/title cases that need senior broker structuring.