What is a large bridging loan?

Large bridging loans are a type of short-term finance that is typically used for property transactions where the borrower requires a significant amount of capital quickly. They are often used in situations where traditional lenders, such as banks, may not be able to provide the required amount of funding within the necessary timeframe.

Bridging loans are typically secured against property, which means that the lender will take a charge over the property to ensure that the loan is repaid. This security means that bridging loans can be an attractive option for borrowers who have substantial equity in their property but need quick access to capital.

Large bridging loans can be used for a wide range of purposes, including property development, commercial real estate transactions, and purchasing residential property. In many cases, borrowers will use a large bridging loan to purchase a property that they intend to refurbish or develop, with the intention of selling it on for a profit once the work is complete.

What are the benefits of a bridging loan?

One of the key benefits of large bridging loans is that they provide quick access to substantial amounts of capital. This can be particularly important in property transactions where time is of the essence, and traditional lenders may take weeks or even months to process a loan application. Large bridging loans can often be approved and disbursed within a matter of days, providing borrowers with the funding they need to complete their property transaction quickly.

Another benefit of large bridging loans is that they can be used to fund a wide range of property transactions. This includes residential and commercial property, as well as property development and refurbishment projects. The flexibility of large bridging loans makes them an attractive option for property investors and developers who need quick access to capital for a wide range of projects. We always aim to get you a bridging loan quickly, to help fund your larger projects.

What is there to consider before taking out a large bridging loan?

It is important to carefully consider the costs and risks associated with large bridging loans before taking one out. These loans typically come with high interest rates and fees, which can add up quickly over time. Additionally, if the property transaction does not go according to plan, the borrower may be left with a significant amount of debt that they are unable to repay.

It is also important to work with a reputable lender when taking out a large bridging loan. Many unscrupulous lenders prey on individuals and businesses looking for quick access to capital, offering high-interest loans with hidden fees and charges. Working with a trusted lender can help to ensure that the loan terms are fair and transparent, and that the borrower is not taken advantage of during a vulnerable time. At Mercantile Trust, we are a direct lender so there are no hidden broker fees (lender fees apply).

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Our flexible approach


We are proud to be a lender who can deliver loans at a fast approach, to consumers. We make this possible by carrying out our own legal checks, in house for loans under 100k, within hours. We can offer automated valuations, which are available to produce financial solutions in an instant.

Mercantile Trust regularly help their customers carry out renovations with heavy refurbishment loans, by providing finance fast.

No minimum income

At Mercantile Trust, we put our customers at the forefront of what we do.

We offer top slicing, where we can use your personal income when carrying out affordability calculations. If your rental income does not cover your mortgage repayments, we will top up the remaining amount that you cannot cover so you are able to get the loan you require.

No Exit Fees

We want you to be in control of your finance.
With no early repayment or exit fees, Mercantile Trust will strive to find a loan to meet your financial requirements.

How are large bridging loans useful?

In conclusion, large bridging loans can be a valuable tool for individuals and businesses looking for quick access to substantial amounts of capital for property transactions. However, it is important to carefully consider the costs and risks associated with these loans and to work with a reputable lender. By doing so, borrowers can receive the funding they need to complete their property transactions with greater ease and confidence.

Our bridging loan criteria

We aim to help absolutely everyone, however there are certain criteria that must be met in order to make a successful application:

  • Unregulated bridging applications only
  • Rates from 0.99%
  • Up to 75% loan to value
  • Most property constructions accepted
  • No personal income requirement
  • No exit fees
  • Minimum property value £75k
  • Minimum advance £25k max £500k
  • Confirmation of exit required
  • Minimum of one buy to let or residential property required
  • Serviced and rolled interest available
  • No ERC (Early Repayment Charge)
  • First and second charge available