Super-Fast Bridging Loans in London: Up to £500,000 in Just 24 to 72 Hours
How property investors and developers can access rapid funding in the UK’s most competitive market
As a long-time broker in the property finance sector, I’ve seen one factor consistently separate successful investors from the rest: speed.
In London’s fast-moving market, opportunities don’t wait. Whether you’re buying under auction conditions, funding a refurbishment, or refinancing an existing deal, delays can be costly. That’s where super-fast bridging loans come in — designed to deliver rapid funding when time is of the essence.
At Sunrise Commercial Finance, we specialise in arranging bridging finance in London and across the UK with completion times as fast as 24 to 72 hours from receipt of a fully completed application.
This article breaks down exactly how these loans work, who they’re for, and why they’re one of the most effective tools for property professionals and investors in 2025.
What is a Super-Fast Bridging Loan?
A bridging loan is a short-term finance solution used to “bridge the gap” until a longer-term funding method (such as a mortgage or sale) becomes available.
Our London-focused bridging loans are tailored specifically for speed, simplicity, and flexibility — removing many of the traditional delays seen with banks and slower lenders.
Key highlights include:
- Loan size: £25,500 – £500,000
- Term: 3 – 18 months
- Completion speed: As little as 24 hours
- Gross LTV: Up to 65% of property value
- Use of funds: Business purposes only (not regulated)
There are no upfront fees, and valuation and legal fees are included on completion (subject to the type of case).
Speed is Everything — 24 to 72 Hour Completion
For those unfamiliar with bridging finance, the idea of funding arriving within 1 to 3 days might sound optimistic. But for straightforward cases with all documents in order, this is entirely achievable.
Here’s how the process typically works:
- Initial enquiry and decision in principle
- Simple application and document collection
- Internal solicitor conducts legal work (external only on complex cases)
- Valuation conducted quickly — we accept existing valuations or client-recommended valuers
- Funds released within 24 to 72 hours of full application
The emphasis here is on efficiency. If you are clear on your exit plan, have your paperwork ready, and the property is suitable, the turnaround can be extremely quick.
Loan Structure and Terms
Loan to Value (LTV)
- First Charge: Up to 55% LTV
- Second Charge: Up to 65% LTV
- Third Charge: Up to 60% LTV
Gross loan values are stress tested at 1.35 to ensure the adjusted LTV does not exceed 75%.
Loan Terms
- Minimum: 3 months
- Maximum: 18 months
These terms give borrowers flexibility depending on their project timeline.
Acceptable Properties To Lend Against
One of the strengths of this bridging loan product is the wide range of acceptable security types, including:
- Buy-to-Let properties
- HMOs (bricks and mortar valuation only)
- Commercial units
- Vacant properties
- Land (with reduced LTV)
- Main residence (second and third charge only)
We can accept valuation reports provided by the borrower, or the lender can instruct one if necessary. If there’s disagreement, we’re open to joint valuation appointments, and borrowers can pay the valuer directly if preferred.
Borrower Eligibility and Lending Flexibility
We regularly work with:
- Limited companies (UK only, PGs required)
- Borrowers with adverse credit
- Self-employed borrowers and self-certified income
- Borrowers using personal residences as security
We don’t require consent from existing lenders for second or third charges, and lending behind a caution or even an existing bridge is possible — subject to the details of the case.
A strong exit strategy is essential. If refinancing is your intended route, the declared credit profile will be factored into the approval.
Bridging Loan Use Cases in London
Many of our clients use fast bridging finance for:
- Auction purchases where completion must happen within 28 days
- Refurbishment projects prior to a mortgage application
- Property purchases delayed by chain issues
- Business cash flow during property transactions
- Debt consolidation for limited companies
We also handle refinancing of existing bridging loans, provided there’s a clear explanation as to why the original facility defaulted or failed to exit on time.
Lending Behind Existing Charges
This product allows:
- Second or third charge lending, without consent from the first lender
- Lending behind a current bridging loan in some scenarios
- Lending behind a caution, subject to underwriting
This flexibility can be particularly useful for portfolio landlords or developers using multiple funding layers.
Portfolio Lending and Main Residence Security
For portfolio landlords, we can consider multiple properties under one facility. We also lend to limited companies secured against the director’s main residence, a feature not commonly available in the market.
Why Use Sunrise Commercial Finance?
As a broker, I work with both experienced and first-time developers to structure bridging deals that are clear, achievable, and fast. I understand the pressures buyers face — from tight timelines to last-minute surprises — and I’m here to make the process as straightforward as possible.
With access to non-bank and private lenders willing to move quickly and assess deals on their individual merits, we take a personal and strategic approach to every case.
Next Steps
If you’re working on a live deal, looking to refinance, or just want to understand your options, I’m here to advise without obligation.
Start with a no-obligation conversation, and let’s explore whether a super-fast bridging loan could unlock the next stage of your property journey.
Visit: www.sunrisecommercial.co.uk
Or get in touch directly for immediate support and indicative terms.
For more information contact us for a fees free chat.
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📞 Call us at 07939 091418
📧 Email: john@sunrisecommercial.co.uk
🌐 Visit: https://www.sunrisecommercial.co.uk/
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