Investment Purchase Bridging Loans
A Guide to Investment Purchase Bridging Loans
Investment Purchase Bridging Loans
Acquisition Financing
Construction Financing
Bridge Financing
Rebridge Financing
About us
We are dedicated specialists in bridging and development finance, with a sharp focus on investment purchase bridging loans. Our team brings decades of combined experience in helping property investors, developers, and landlords secure fast, flexible funding when timing is critical.
Investment Purchase Bridging Loans UK Fast, Flexible Finance for Property Investors
Speed & Flexibility
Secure funding in as little as 5–14 days
Ideal for auctions, BMV deals, and time-sensitive purchases
Tailored for individuals, SPVs, and limited companies
Market-Leading Terms
Loans from £50,000 to £25M+ with up to 85% LTV
Rates from 0.65% per month with flexible terms
Exit via sale, refinance, or rental income
Broad Security Options
First & second charges accepted
Residential, semi-commercial, commercial, and mixed-use properties.
Freehold & long leasehold eligible
What is a investment purchase bridging loan?
Investment Purchase Bridging Loans are short-term finance solutions designed to help property investors secure opportunities quickly—especially when traditional funding routes are too slow or unavailable. Whether you're buying at auction, acquiring below-market-value properties, or bridging the gap before long-term finance kicks in, our tailored bridging loans offer speed, flexibility, and competitive rates
What Is an Investment Bridging Loan?
An investment bridging loan is a temporary funding solution used to purchase property when traditional finance isn’t fast or flexible enough. It’s ideal for:
Auction purchases
Buy-to-let investments
Unmortgageable properties
Refurbishment projects
Land with planning permission
These loans are typically repaid via sale, refinance, or rental income.
Key Features of Our Bridging Loans
Feature Details:
Loan Amount £50,000 to £25 million+
Term 1 to 18 months
Interest Rates: From 0.65% per month 1
Loan-to-Value (LTV): Up to 85%
Security Types: Residential, commercial, mixed-use, land
Exit Strategies: Sale, refinance, rental income
Borrower Types: Individuals, SPVs, limited companies
How It Works
Step 1 – Contact Us & Submit Your Application
Speak to our team to understand whether a desktop valuation bridging loan suits your circumstances by providing basic property and borrower details, we will then provide you with an initial quote.Step 2 – Valuation Initiated
Our RICS-accredited partners assesses the property using digital tools and comparables.Step 3 – Loan Offer Issues
If the valuation supports the loan and once underwriting is complete, we issue final terms, often within 24 hours.Step 4 – Funds Released
Once legal checks are complete, funds are transferred.
Bridging Finance Market Trends – 2025
According to Bridging Trends Q1 2025:
Investment purchases now account for 23% of all bridging loan uses
Completion times have dropped to 32 days, the fastest ever recorded
Surge in demand for first charge bridging loans
Increased use of bridging finance by SPVs and limited companies
Why Choose Us?
Our Advantages
Whole-of-market access to top UK lenders
Regulated and unregulated loans
Expert advice from seasoned brokers
Transparent fees and no hidden costs
Dedicated case managers from enquiry to completion
Case Study: Auction Purchase in Manchester
A client secured a £275,000 property at auction with a 28-day deadline. We arranged a £206,250 bridging loan (75% LTV) within 7 working days, allowing them to complete on time and refinance onto a BTL mortgage post-refurbishment.
Get a Free Quote Today
Looking for a fast, flexible bridging loan with minimal hassle?
Contact our expert team today to see if a desktop valuation bridging loan is right for you.
Email us: enquiries@auracpital.co.uk
Call now or WhatsApp: +44 7425 877445
Want to learn more? Get in touch with our expert team today to explore your options.
Frequently Asked Questions
Q: How quickly can I get an investment bridging loan?
A: Most loans complete within 5–14 days, depending on valuation and legal readiness.
Q: Can I get a bridging loan through a limited company or SPV?
A: Yes, we specialise in SPV bridging finance for property investors and developers.
Q: What types of properties can be funded?
A: Residential, commercial, mixed-use, land with planning, and unmortgageable properties.
Q: What’s the typical interest rate?
A: Rates start from 0.65% per month, depending on LTV and loan type
What is a bridging loan?
Bridging Loans (Bridge Finance): Fast, Flexible Short-Term Funding
A bridging loan is a short-term finance solution designed to ‘bridge the gap’ when immediate capital is needed but not yet available. Commonly used in property and business transactions, these loans provide speed and flexibility in time-sensitive scenarios.
Typical uses include:
Property Purchase Before Sale – Secure a new property before your current one is sold.
Non-UK Residents – Acquire UK property without a credit footprint or trading history.
Auction Purchases – Meet tight auction deadlines with fast-access funding.
Refurbishment Projects – Fund light or heavy works ahead of a refinance or sale.
Business Cash Flow – Support working capital needs during transitions or delays.
Bridging loans are usually secured against property and repaid within 6–24 months, either through sale, refinance, or another liquidity event. They are suitable for both individuals and businesses needing fast, short-term funding.
Want to Learn More?
Explore our Case Studies and Product Guides to see how bridging finance could work for you.
Our Team's Track Record.
Aura Capital is a leading supplier of Bridging Loans and No valuation Bridging Loans. Over the past 5 years, our team has successfully transacted approximately £500 million in bridging and development finance underwriting. Additionally, we have transacted on around £100 million in private equity investments and provided specialist finance advisory services amounting to approximately £40 million.
Whether you need bridging finance for residential investments, HMOs, refurbishments, or development exits, or if you require development finance for housing or commercial projects, our expertise ensures we connect you with the most suitable lender.
Our extensive track record underscores our proficiency in diverse financial landscapes, ensuring we meet your unique requirements and provide optimal financing solutions.