Are you a first-time developer? A buy-to-let investor? Or someone stuck in a property chain and losing time? Whatever your goal, speed matters. So does cost.
At Sunrise Commercial Finance, we work with a specialist lender offering one of the fastest and most affordable bridging finance options in the UK — with no valuation fees and in-house assessments to stop delays and down valuations from killing your deal.
Here’s how you can move faster, save money, and get the funding you need — whether you’re buying a flat, refurbishing a shop, or flipping a semi-commercial building.
Why In-House Valuations Make a Big Difference
Most bridging lenders rely on external valuers to assess properties. That takes time — sometimes days, sometimes weeks. Worse still, when these valuations come in lower than expected, your loan offer can drop or fall through entirely.
Our featured lender solves this problem by doing all valuations internally.
✔️ No valuation fee to pay
✔️ No revaluation risk
✔️ No time wasted waiting for surveyors
This one change makes a huge difference. You get faster decisions and greater certainty — so you can move forward with confidence.
How Much Can I Borrow?
Here are the key figures:
| Loan Type | Minimum Loan | Maximum Loan | Loan Term | Loan-to-Value (LTV) |
| Residential Bridging | £100,000 | £3,000,000+ | 3–18 months | Up to 75% (GDV) |
| Commercial Bridging | £100,000 | £5,000,000+ | 3–18 months | Up to 70% (MV) |
| Semi-Commercial Bridging | £100,000 | £4,000,000+ | 3–18 months | Up to 70% (MV) |
LTV limits vary depending on property type, location, and exit strategy. If you’re unsure how much you could borrow, get in touch for a no-obligation quote.
What Properties Are Accepted?
We can help fund a wide range of properties across England, Scotland, and Wales:
- Residential property (including uninhabitable or non-standard)
- Commercial buildings (offices, retail, industrial, hospitality, etc.)
- Mixed-use and semi-commercial units (like shops with flats above)
- Land with planning or potential
Auction buyers, cash-flow investors, and developers looking for a fast exit often benefit most from this type of finance.
How It Works
- Make an enquiry via our website
- We assess your needs and recommend a solution
- Get a Decision in Principle within 24 hours
- Interest rates dependant on strength of application
- No valuation fee charged
- Use your own solicitor (we’ll help you choose if needed)
- Pay the lender’s solicitor fees
- Funds released — often within 3–7 working days
Why Use Sunrise Commercial Finance?
- Direct access to specialist lenders
- No upfront valuation costs
- Personal support from application to drawdown
- Track record with both new and experienced clients
- Independent and fully transparent
We focus on helping first-time developers, small investors, and UK property buyers who want clear, honest help without the hassle.
FAQs — Bridging Finance Explained
We’ve compiled answers to the most common questions about bridging loans below.
| Question | Answer |
| What is bridging finance? | A short-term loan used to bridge a gap, often between buying and selling property or arranging long-term finance. |
| Who can apply? | UK-based individuals, limited companies, and property developers — whether new or experienced. |
| Is this FCA regulated? | No. This lender operates on an unregulated basis, meaning loans are for investment/business use only. Not suitable for owner-occupied residential property. |
| How fast can I get the money? | Typically within 3 to 7 working days, assuming all legal work and documents are in place. |
| What can the loans be used for? | Auction purchases, refurbishments, business cash flow, chain breaks, refinancing, site acquisition, and more. |
| Do I need to offer security? | Yes — all loans are secured on UK property or land, usually via a first or second legal charge. |
| What are the terms and interest rates? | Terms range from 3 to 18 months. Interest rates vary based on asset and risk but are clearly quoted up front. |
| Are there any risks? | Yes. Late repayment can lead to extra fees or repossession. Always ensure you have a clear exit plan. |
| Why choose this lender? | They offer fast completions, no valuation fees, and a flexible approach to deal assessment. |
Ready to Act Fast and Save Money?
If you need quick funding and want to avoid delays, revaluation risk, and costly survey fees, you’re in the right place.
Let’s discuss your project and match you with a lender who values speed, clarity, and flexibility.
👉 Enquire now at:
📞 Call us at 07939 091418
📧 Email: john@sunrisecommercial.co.uk
🌐 Visit: https://www.sunrisecommercial.co.uk/
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