Bridging Loans & Development Finance in Maidstone

Need fast funding to secure a property, complete a refurbishment, or unlock capital tied up in existing assets? Bridging loans and development finance can offer flexible short-term solutions — ideal for time-sensitive transactions, auction purchases, or large-scale projects.

At Mortgage Broker Maidstone, we work with property investors, landlords, and developers across Maidstone, Aylesford, Bearsted, Kings Hill and the wider Kent area. All enquiries are referred to FCA-regulated mortgage advisers with experience in bridging and specialist finance.

What Are Bridging Loans?

A bridging loan is a short-term loan typically used to “bridge the gap” between buying one property and selling another, or to raise capital quickly when traditional mortgages won’t work.

They’re often used for:

• 🏡 Property purchases where a mortgage isn’t available in time
• 🛠️ Renovations or conversions not yet mortgageable
• 🏘️ Auction property purchases with short completion deadlines
• 💼 Capital raising for business purposes or urgent financial needs

What Is Development Finance?

Development finance is used to fund the construction, conversion, or major refurbishment of residential or commercial property. This includes:

• 🧱 Ground-up residential builds (e.g. new homes)
• 🏢 Office-to-resi conversions under permitted development rights
• 🏚️ Heavy refurbishments or mixed-use projects
• 💼 Developer exit finance to repay existing lenders while marketing completed units

Loans are typically staged in tranches and released as work progresses, often with monitoring surveyor sign-off.

Why Use Bridging or Development Finance?

• ✅ Quicker turnaround than standard mortgages (often within 7–21 days)
• ✅ Lending based on asset value, not just income
• ✅ Flexible criteria — ideal for complex or unusual scenarios
• ✅ Can be used by individuals, companies, or SPVs

Key Considerations

• Loan-to-value (LTV): Bridging loans often go up to 70–75% of the property’s value
• Exit strategy: You’ll need a clear repayment route (e.g. sale or refinance)
• Interest: Can be rolled up, retained, or serviced monthly
• Timescale: Terms usually range from 3 to 24 months

Next Steps

Whether you’re flipping a property, funding a self-build, or working on a larger scheme, we’ll connect you with an experienced adviser who can assess your project and source the right funding.

• 📖 Learn more from our Mortgage Blog
• 📞 Get in touch and we’ll refer you to a specialist bridging & development finance adviser