Bridging finance remains a fast-moving segment of the UK property market, with over £7 billion in short-term loans issued annually across residential, commercial, and mixed-use deals.
We’ve reviewed active brokers based on lender access, structuring ability, and deal execution to help borrowers navigate 2026’s most reliable options. In this guide, we’ll review seven bridging loan brokers with documented performance across time-sensitive and high-value transactions.
TL;DR
- KIS Finance ranked first for its broad lender access and ability to handle complex, high-value deals.
- Other brokers specialise in areas like refurbishment, development exits, expat lending, and high-LTV cases.
- Loan sizes range from £20,000 to over £250 million, with terms up to 24 months.
- Use case fit matters more than headline rates when timing, exit strategy, and asset type drive outcomes.
Our Evaluation Process
The brokers listed were selected based on active participation in the 2026 bridging finance market and their ability to meet varied borrower needs.
We reviewed public loan data, product availability, and transaction patterns across residential, commercial, and development use cases.
Our selection criteria were:
- Lender panel breadth and structuring flexibility
- Speed and reliability in time-sensitive completions
- Experience with high-LTV, auction, and development exits
- Transparency on terms, fees, and borrower requirements
- Consistency in complex or repeat-use scenarios
Compare Best Bridging Loan Brokers – 2026
Based on our research and evaluation, KIS Finance took first position due to its versatility across commercial, residential, and complex bridging scenarios. The table below summarises the main parameters for all seven bridging loan brokers in 2026.
| Broker | Loan Amount | Loan Term | Best Fit Use Case |
| KIS Finance | £50k – £10m | 1 day – 24 months | Complex, high-value, mixed-use |
| Vincent Burch | £20k – £50m | Up to 18 months | Refurbishment, bridge-to-let |
| Octane Capital | £200k – £25m+ | Up to 24 months | Bespoke lending, development exits |
| GPS Financial | £25k – £25m+ | 12–18 months | High-LTV, tailored structuring |
| Aria Finance | £50k – £31m+ | Up to 24 months | Large-scale, structured cases |
| Dev Brok | Up to £250m GDV | Up to 24 months | Developer-led, equity stacks |
| International Property Finance Group | Case-by-case | Short-term | Expat and cross-border lending |
1. KIS Finance
KIS Finance are leading bridging loan brokers operating across the UK property finance market. The firm specialises in short-term funding for residential, commercial, and mixed-use assets, with consistent activity in complex, high-value, and time-sensitive transactions. KIS Finance work with an extensive panel of specialist lenders, allowing flexible structuring for auctions, chain breaks, refurbishments, and non-standard borrower profiles. Market coverage and execution depth place the firm among the best bridging loan brokers in 2026.
Loan amount: £50,000 to £10 million
Loan term: 1 day to 24 months
Pros:
- Broad lender access across regulated and unregulated bridging
- Strong track record with complex commercial and mixed-use cases
- Fast credit decisions and short completion timelines
- Experience with layered security and high-value transactions
Cons:
- Fees can increase for highly structured or accelerated deals
2. Vincent Burch
Vincent Burch Mortgage Services are independent bridging loan brokers based in Norwich, focusing on short-term property finance for residential and commercial investment purposes. The firm handles auction purchases, bridge-to-let scenarios, and refurbishment loans, with a process geared toward rapid application turnaround. Fee-free options are available for straightforward cases over £150,000, and decisions in principle can be issued within two hours.
Loan amount: £20,000 to £50 million
Loan term: Up to 18 months
Pros:
- No broker fees for simple cases above £150,000
- Fast application processing and decision turnaround
- Experience with refurbishment and exit-to-let bridging
Cons:
- Loan terms capped at 18 months
- Most competitive rates only apply above £200,000
- Some transactions may require dual legal representation
3. Octane Capital
Octane Capital are bridging and development finance brokers offering bespoke funding structures for commercial, semi-commercial, and residential assets. They operate without set product sheets, allowing structuring flexibility for both UK and overseas borrowers. The firm provides funding for acquisitions, refinancing, and refurbishment with no exit fees on most products.
Loan amount: £200,000 to £25 million+
Loan term: Up to 24 months
Pros:
- Bespoke underwriting and flexible structuring
- Can fund both individuals and companies
- Covers residential, commercial, and mixed-use assets
Cons:
- Minimum loan threshold excludes small-scale borrowers
- Higher headline rates relative to traditional lending
- Day-one LTV typically capped at 75%
4. GPS Financial
GPS Financial are UK-based commercial finance brokers with a focus on bridging, development, and buy-to-let mortgages for property professionals. They arrange short-term loans for residential and commercial investments, land acquisitions, and refurbishment projects, often with higher loan-to-value options. Loans are tailored per case with lender panels accommodating complex borrower profiles.
Loan amount: £25,000 to £25 million+
Loan term: 12 to 18 months
Pros:
- Facilities available up to 85% LTV
- Lender panel includes flexible and niche providers
- Supports commercial, land, and development scenarios
Cons:
- Terms restricted to 18 months maximum
- Products often unsuitable for non-professional borrowers
- Defined repayment strategy required from outset
5. Aria Finance
Aria Finance are specialist finance brokers providing structured bridging loans for residential, commercial, and development assets. Formed through a merger in 2022, the firm arranges short-term facilities for property acquisitions, refinancing, and construction funding. Loan structures include interest roll-up and higher-value bridging with added security.
Loan amount: £50,000 to £31 million+
Loan term: Up to 24 months
Pros:
- Access to wide lender panel for large and complex loans
- Offers residential, commercial, and development bridging
- Structured solutions including rolled interest and retained options
Cons:
- Interest rates and fees higher than mainstream lenders
- Loan terms restricted to short duration
- Exit strategy documentation typically required
6. Dev Brok
Dev Brok operate in the property finance sector with a focus on development-led bridging, mezzanine funding, and equity-backed transactions. The firm caters to property developers and investors requiring short-term capital within GDV-linked structures. Loan arrangements often form part of broader funding stacks across multiple asset phases.
Loan amount: Up to £250 million GDV
Loan term: Up to 24 months
Pros:
- Supports layered capital stacks including mezzanine
- Familiar with phased or structured development exits
- Provides equity-linked solutions when required
Cons:
- Not suitable for non-developer or standard bridging needs
- Loan terms dependent on GDV and project-specific milestones
- Higher complexity requires longer underwriting timelines
7. International Property Finance Group
International Property Finance Group offer bridging solutions tailored to expat and foreign national investors with UK property interests. The firm specialises in structuring short-term loans involving cross-border ownership, overseas income, and multi-jurisdictional assets. Facilities often connect to refinancing or long-term funding strategies.
Loan amount: Case-by-case
Loan term: Typically short-term
Pros:
- Experience with non-UK borrower structures
- Can structure loans involving offshore income or assets
- High repeat-client ratio for international borrowers
Cons:
- Narrower focus on cross-border and expat scenarios
- Limited relevance for UK-based residential-only borrowers
- Subject to additional compliance and legal review steps
Final Verdict
Bridging loan brokers in 2026 vary widely in structure, borrower fit, and speed of execution. While many firms serve specific niches—such as development-led projects, expat lending, or high-LTV scenarios—only a few maintain versatility across complex, time-sensitive, and high-value transactions.
KIS Finance stood out for its consistent ability to structure deals across asset types, work within urgent timelines, and access a wide lender panel with flexible underwriting. For borrowers navigating layered security, mixed-use assets, or auction-driven timelines, starting with a broker that combines scale and precision offers a distinct advantage.
As always, defining the exit strategy and understanding the loan’s structural needs remains more valuable than chasing the lowest rate. In short-term finance, a deal that completes reliably is worth more than one that simply looks good on paper.
Frequently Asked Questions
What do bridging loan brokers do?
Bridging loan brokers act as intermediaries between borrowers and lenders, structuring short-term property finance tailored to time-sensitive transactions. They source suitable offers from a panel of specialist lenders, negotiate terms, and manage the application process to completion.
What’s the difference between a broker and a direct lender?
A lender provides funds directly, whereas a broker matches borrowers to lenders based on specific criteria. Brokers offer access to multiple funding sources, often improving terms or finding solutions for complex or high-LTV scenarios that a single lender may not accommodate.
How fast can a bridging loan complete?
Completion times vary by case complexity and lender, but most bridging loans can fund within 5 to 14 days. Some brokers arrange decisions in principle within 24 hours and complete within 72 hours if legal and valuation steps are pre-cleared.
Are bridging loans available for commercial property?
Yes. Many brokers arrange commercial bridging loans for asset purchases, development exits, refinancing, and cashflow releases. Terms depend on the asset class, exit plan, and borrower profile, with specialist brokers providing tailored structuring for complex or high-value deals.
