Bridging Finance
At Hirschle Hughes, our experienced finance brokers specialise in arranging flexible, short-term bridging finance to assist with funding or refinancing of both residential and commercial property.
Whether you're managing a time-sensitive transaction or need funding for a complex project, we pride ourselves on finding the most suitable and cost-effective solution. Our direct relationships with specialist lenders allow us to offer creative finance structures that are often unavailable through high street banks or direct lender applications. The process is straightforward and hassle-free, with our expert advisers guiding you every step of the way.
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What Is Bridging Finance?
Bridging loans are short-term finance options used to “bridge” a funding gap — often between the purchase of a new property and the sale of an existing one, or to unlock capital for renovation or development and it essentially falls into two categories – regulated and unregulated bridging.
A regulated loan is regulated by the Financial Conduct Authority (FCA), these loans are typically used when the property being secured is or will be your main residence. A common example is when a client wants to downsize — bridging finance can allow you to purchase your new home before selling your current one, avoiding property chain delays.
Unregulated bridging is used for properties you do not and will not live in, such as investment or commercial properties. Examples include:
- Converting an office space into residential flats
- Refurbishing a commercial unit
- Turning a 3-bedroom house into a 6-bed HMO (House in Multiple Occupation)
These loans are not FCA-regulated and are ideal for investors or developers needing fast, flexible funding.
Why Hirschle Hughes?
At Hirschle Hughes, our advisors have a wealth of experience in arranging short-term and bridging finance. We take the time to fully understand your goals before sourcing the most suitable solution from our extensive panel of over 140 lenders. As part of the service, our advisors will identify a clear and suitable exit strategy to repay the bridging loan.
We understand that arranging bridging finance can feel overwhelming, especially when time is critical. That’s why we provide a hands-on, responsive service, guiding you through the entire process and working proactively to secure the funding you need. We specialise in residential, development and commercial bridging finance. We can also assist with auction finance and overseas bridging.
Need short-term property finance with speed and flexibility?
Get in touch with our highly experienced advisers today — we act quickly to meet tight deadlines and deliver funding solutions tailored to your needs.
- Whole-of-market access to over 140 lenders, including specialist and private banks
- Expertise in complex and time-sensitive finance
- Tailored bridging solutions based on your needs and exit plan
- Creative problem-solvers who thrive in challenging scenarios
- A dedicated point of contact with instant access at your request
Need a bridging loan with speed and flexibility?
Fill in the form for a call Our offices are open 9:00am - 5:30pm Monday - Friday
Commercial Finance
Commercial mortgages are generally used to purchase commercial premises, business premises, or mixed usage properties. Unlike standard residential lending, arranging commercial finance can be more complex — with factors such as income, lease agreements, and property type all playing a role.
At Hirschle Hughes, our experienced commercial finance brokers have the knowledge and lender access to navigate these complexities. We’ll work closely with you to secure a bespoke funding solution that aligns with your business goals and financial profile.
Self-Build Mortgages
If you’re planning to build your own home, a self-build mortgage may be the most suitable option for you. These specialist mortgages are mortgages specifically designed to enable you to fund the construction of a residential property.
Because only a limited number of lenders offer self-build finance — and the application process can be complex — it’s essential to seek expert advice. At Hirschle Hughes, we can guide you through the process and help you secure the right lender and structure for your project.
Outstanding service and advice from the outset. Always available to answer any questions.
Property Finance Solutions
At Hirschle Hughes, we provide tailored property finance solutions for a wide range of clients — from first-time buyers and business owners to high-net-worth individuals. Whether you’re securing a residential mortgage, commercial loan, or bespoke lending arrangement, our expert advisers are committed to delivering exceptional service and ensuring a smooth, stress-free transaction.