Your next property move.
Made possible.
Bespoke bridging and development finance, built around your plans. Our experienced specialist advisers know the market, check lenders’ appetite for your deal and guide it through to completion.
- From 0.53%a month on qualifying bridging
- £26,000 to £10,000,000+larger facilities considered
- 50+ lendersspecialist bridging and development
- 3 to 18 monthstypical bridging terms
No credit search to get a quoteA lender may run one later, and we'll tell you first.
No upfront feesEvery cost is set out in writing before you commit.
One specialist throughoutTransparent communication, from first call to completion.
Your property. Your plans.
Let’s find a starting point.
Three quick questions to explore relevant finance products. No contact details needed.
- 1 Property
- 2 Plans
- 3 Timing
Products worth exploring
These are product guides, not eligibility results, personalised recommendations or offers. Property details, your circumstances and lender criteria need to be reviewed.
Explore our full product range or talk to a specialist about your plans.
Problems solved, deals completed.
A few cases we have arranged, and how each one was structured.
Fully approved in 42 minutesTenanted auction purchase, lease in dispute
- Problem
- Another lender declined at application over the lease
- Facility
- £65,250 at 75% LTV, desktop valuation
- Timescale
- Fully approved in 42 minutes, completed on the deadline
- Outcome
- Purchase completed with the tenant in place
14 daysTwo prime addresses, receivers instructed
- Problem
- Lender in enforcement, sale at risk, adverse credit
- Facility
- £3,266,874 at 66.7% LTV, 0.85% a month
- Timescale
- 14 days from instruction to drawdown
- Outcome
- Receivers stood down, orderly sale preserved
£3,900,000 GDV21-unit commercial-to-residential conversion
- Problem
- Funding needed to finish the scheme
- Facility
- £325,000 at 35% LTV
- Timescale
- No valuation or build warranty needed at drawdown
- Outcome
- Works funded through to completion
Whatever your next move.
Select a building, or try our product finder
Choose a property type, or scroll along the street.
The right finance.
For your kind of property.
Explore all 24 products. Our specialist advisers can help narrow down the options and check lender appetite for your deal.
Talk to a specialist
Showing all 24 products
Light refurbishment bridging loans
For cosmetic improvements and non-structural works.
Development exit bridging loans
Refinance a finished development while you arrange its exit.
Regulated bridging loans
Explore regulated finance through an authorised lender or broker referral.
Commercial no valuation
Commercial property funding with alternative valuation routes.
Commercial bridging loans
Short-term finance for commercial property purchases and refinancing.
Permitted development finance
Funding for conversions under permitted development rights.
HMO bridging loans
Finance for houses in multiple occupation.
Unregulated bridging loans
Explore bridging for eligible investment and business purposes.
AVM bridging loans
Explore funding assessed using an automated property valuation.
Desktop valuation bridging loans
Finance using a desktop assessment of the property.
Investment purchase bridging loans
Short-term funding for your next property investment.
Bad credit bridging loans
Explore property-backed options with adverse credit considered.
Refinance bridging loans
Review rebridging options for an existing property loan.
No valuation heavy refurbishment
Explore alternative valuation routes for heavy refurbishment.
Land bridging loans
Finance for land with or without planning permission.
Refurbishment bridging loans
Funding for property improvements and larger renovation projects.
Equitable charge bridging loans
Explore borrowing secured through an equitable charge.
Second charge bridging loans
Additional borrowing behind an existing first-charge loan.
High-value residential bridging loans
Larger facilities secured against residential property.
Closed bridging loans
Short-term borrowing with a defined repayment exit.
Bridge-to-let
Bridge funding with a planned move to buy-to-let finance.
Auction bridging loans
Finance arranged around an auction completion deadline.
SPV bridging loans
Property finance for special purpose vehicle companies.
Listed building bridging loans
Specialist funding for listed properties.
No matching products
Try another search, or browse the complete range.
Every deal is different. Get realistic recommendations, honest feedback and clear next steps.
Compare your optionsTailored advice. Honest answers.
Bespoke finance for purchases, refurbishment and development, with an experienced specialist adviser from enquiry to completion.
Honest feedback, early
Leases, title issues, adverse credit or a tight deadline go to the lender first, so a decline happens before you spend money, not after.
See the Preston caseRealistic recommendations
Our experienced specialist advisers know the market. We recommend lenders and valuation routes that fit your deal and can realistically meet your deadline.
See the London refinanceLender appetite comes first
We discuss your property, plans and circumstances with suitable lenders to establish appetite before progressing. Your recommendations are tailored to the deal, not a generic shortlist.
See the Manchester schemeFrom first call to funds, in three steps.
- Day one
Tell us the deal
Use the bridging calculator or call us. We'll ask about the property, the amount, the timescale and the exit.
- Usually within a day
We find the lender
We discuss the case with suitable lenders and come back with terms and every cost in writing.
- Often one to three weeks
Funds at your solicitor
Your specialist adviser coordinates the valuation and legal work with the lender and your solicitor, keeping you informed of progress, costs and any issues through to completion.
What is a bridging loan?
Short-term finance secured on property, usually for 3 to 18 months. It's used to buy, refinance or renovate quickly, and is repaid by selling the property or refinancing onto a longer-term loan.
How quickly can you arrange funding?
Many bridging loans complete in one to three weeks. Desktop or automated valuation routes can be quicker. Development finance usually takes longer because of the extra due diligence.
Can I borrow with adverse credit?
Adverse credit is considered case by case. Many specialist lenders look at CCJs, defaults and missed payments, though they may affect the rate or how much you can borrow.
What does it cost?
Bridging rates start from 0.53% a month on qualifying cases. Lenders usually charge an arrangement fee, and there are valuation and legal costs. There are no upfront fees, and every cost is confirmed in writing before you commit.
How much can I borrow?
Loans start from £26,000, typically up to 70% to 75% of the property value for standard bridging, with higher leverage on some refurbishment purchases. Larger facilities, including £10m and above, are considered individually.
Prefer to talk it through?
Call, WhatsApp or email. You'll speak to someone who arranges bridging and development finance every day.
Your property may be repossessed if you do not keep up repayments on a loan secured on it. Bridging finance is short-term borrowing and needs a clear exit. All figures are indicative and subject to lender underwriting, valuation and legal due diligence. Aura Capital is a trading name of Chammosair Limited, registered in England & Wales, company no. 15786496. Aura Capital is not authorised or regulated by the Financial Conduct Authority.