Need Property Finance Fast? Super Fast Bridging Loans for Leeds – What You Need to Know
In property, speed can be the difference between winning and losing a deal. As a property finance broker with years of experience arranging bridging and development loans, I’ve seen first-hand how delays with high street lenders can derail projects, cause costly hold-ups, or even result in lost opportunities.
That’s why bridging finance is such a powerful tool – especially when it’s fast, flexible, and tailored to your needs.
At Sunrise Commercial, we specialise in arranging super fast bridging loans for clients in Leeds and the surrounding areas. Whether you’re a first-time developer, a buy-to-let investor, or simply need quick access to capital, we can help you get the funding you need – often within 24 to 72 hours of submitting a completed application.
What is a Bridging Loan?
A bridging loan is a short-term funding solution designed to bridge the gap between an immediate financial need and a longer-term solution such as a sale or refinance.
Typically lasting between 3 to 18 months, bridging loans are used to:
- Secure auction properties
- Fund property refurbishments
- Purchase below-market-value opportunities
- Prevent repossession
- Refinance existing short-term loansA
- Solve cash flow issues quickly
What sets us apart is our ability to act fast, and our deep understanding of what both borrowers and lenders need to make a deal happen.
Why Our Clients in Leeds Choose Bridging Loans Through Us
The Leeds property market is competitive, fast-moving, and diverse. Whether you’re buying in Headingley, developing in Holbeck, or investing in student HMOs near the universities, timing matters.
We work closely with specialist lenders who are set up to complete bridging loans in as little as 24 hours. These lenders understand the pace of the market and are ready to move quickly when a deal makes sense.
Here’s what you can expect when we arrange your bridging loan:
Key Loan Features
| Loan Size | £25,500 to £500,000 |
| Loan Term | 3 to 18 months |
| Loan to Value (LTV) | Up to 65% Gross Loan |
| Stress Testing | Loan * 1.35 must not exceed 75% of the property value |
| Use of Funds | Business purposes only |
| Upfront Fees | None |
| Legal Fees | Paid on completion, included in the loan |
| Valuation Fees | None (valuation by lender or agreed external) |
| Solicitor | Lender’s internal legal team, unless complex case |
| Completion Time | 24 to 72 hours from full application |
Security Options
Depending on your circumstances and the asset you’re using as security, we can arrange:
- First Charge loans up to 55% LTV
- Second Charge loans up to 65% LTV
- Third Charge loans up to 60% LTV
We can lend against:
- Buy-to-Let property
- Houses in Multiple Occupation (HMOs – bricks and mortar valuation only)
- Commercial premises
- Vacant properties
- Land (lower LTV applies)
- Main residences for second or third charges
No consent is needed for second charge loans, and we can lend behind existing bridging finance or even behind a caution in some cases.
Valuations – No Delays
We know valuation delays can stall deals. That’s why these loans come with:
- No valuation fees
- Lender-led desktop or internal valuations
- Option for borrower to suggest a valuer and pay directly
- Formal valuation only if there is a dispute
This drastically reduces turnaround time and makes fast completions possible.
Borrower Criteria
These loans are designed to be flexible. We can often arrange funding for clients who:
- Have adverse credit
- Have no proof of income (self-certification accepted)
- Are borrowing through a limited company (UK registered, with personal guarantees)
- Have previously defaulted on a bridge (with a reasonable explanation)
We do require a clear exit strategy, whether that’s via sale, refinance, or another route. If your proposed exit is refinance, a soft credit check may be required.
Refinance and Second Charge Solutions
We can also help in more complex cases:
- Refinancing an existing bridge: A solid explanation is needed if a previous loan defaulted
- Second charges behind a bridge: This is possible in the right circumstances
- Lending behind a caution: Considered on a case-by-case basis
In every scenario, we’ll help you present your case clearly and professionally to the right lender.
Why Work with a Broker?
Working directly with lenders can be time-consuming and overwhelming—especially if you’re unfamiliar with bridging finance. As brokers, our role is to:
- Match your case to the right lender
- Speed up the application process
- Avoid unnecessary costs and delays
- Negotiate better terms on your behalf
- Guide you through legal and valuation steps
At Sunrise Commercial, we’ve built strong relationships with lenders who trust us to introduce well-prepared, qualified borrowers. That trust translates into faster decisions and more flexible lending terms for you.
Ready to Move Forward?
If you’re looking for super fast bridging finance in Leeds, get in touch with us today. We’ll walk you through the process, advise you on how to structure your application, and help you secure the funds you need—often within 72 hours.
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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