Fast bridging finance.
Competitive rates.
We introduce property investors, developers and homeowners to the UK’s most competitive bridging loan lenders. Get funded in as little as 7 days.
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Live Rates
Today’s best bridging rates
Updated daily from our panel of 150+ lenders. All subject to individual circumstances.
Why Underwriter Capital
Every advantage in your corner
We work for you, not the lenders. Our job is to find you the best deal, fast.
Decisions in 24 Hours
Approval in principle the same day in many cases. For auction buyers and time-critical deals, speed is everything — and we deliver consistently.
150+ Lenders Compared
Our whole-of-market panel means we always find the best match for your situation — from high street lenders to specialist private banks.
Zero Upfront Fees
Our service is completely free to you. We are paid by lenders on completion, so you receive expert guidance with no cost and no obligation.
Bad Credit Considered
CCJs, defaults, arrears — no problem. Our specialist lenders base decisions primarily on the property, not just your credit file.
Dedicated Case Manager
One point of contact from first call to completion. No call centres, no handoffs — just direct access to your specialist broker.
Complex Deals Welcome
Unmortgageable properties, mixed-use, offshore borrowers, short lease — we have specialist lenders for scenarios others turn away.
Simple Process
From enquiry to funded in 4 steps
Designed to be fast, transparent and stress-free.
Submit Your Enquiry
Use the calculator above to see your numbers, then submit your details in under 60 seconds.
Expert Consultation
A specialist calls within 2 hours. We discuss your requirements and identify the best lenders from our panel.
Receive Your Quotes
We present competitive, personalised offers — clear terms, rates and total costs explained in plain English.
Complete & Draw Down
We manage the process through to completion. Funds typically released within 7–14 days.
We needed to move quickly on a mixed-use commercial site in East London. Three lenders had already passed. Underwriter Capital came back within four hours with two viable options — we went with 65% LTV at 0.52% per month. The deal completed in 14 days. Without them we would have lost a £1.2 million profit margin on the project.
Client Stories
Real deals. Real results.
What property professionals say about working with Underwriter Capital.
“I had 28 days to complete on an auction purchase and my mortgage broker couldn’t move fast enough. Underwriter Capital had me an approval in principle the same day. Funds were in my account 9 days later.”
“Our buyers pulled out two weeks before completion and we thought we’d lost our dream home. Craig sorted a bridging loan within 72 hours so we could proceed. We’re now moved in and couldn’t be happier.”
“I’ve used Underwriter Capital on three projects now. They always find rates my bank can’t match. On my last refurb they secured 78% LTV which freed up capital for my next acquisition.”
“Despite my complex portfolio structure, Underwriter Capital matched me with a lender who understood property investors. I needed to move fast and they delivered — completed in 11 days.”
“Picked up a below-market flat at auction. The team were on the phone within an hour of submitting the form and talked me through every step. Brilliant from start to finish.”
“The property was unmortgageable — no kitchen, bathroom, structural issues. Every lender turned me down. Underwriter Capital found a specialist who looked at end value. Game changer.”
Who We Help
Built for every bridging scenario
Whether you’re a seasoned investor or a first-time buyer in a chain, we have a solution.
Property Investors
Secure properties quickly before permanent finance is arranged. Perfect for buy-to-let acquisitions, portfolio refinancing, or unlocking equity for your next deal.
Developers & Renovators
Fund light or heavy refurbishments on unmortgageable properties. Access up to 80% LTV with development finance specialists who understand your business.
Homeowners — Chain Break
Found your dream home but your sale hasn’t completed? A bridging loan lets you move without waiting, then repay when you complete your sale.
Auction Buyers
Auction completions require funds within 28 days. We specialise in fast auction finance and can often deliver approval in principle before you even bid.
Get Started
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Join 15,000+ property professionals who’ve used Underwriter Capital to fund their next deal.