Entrepreneur, Founder, CEO & UHNW Broker.
Bridging Finance.
Short-term finance from £1m to £100m+, delivered in weeks rather than months. UK and Europe.
Islay’s network is vast and covers all high-net-worth locations and sectors.
£50m+ Loan size
1–24 Months term
48hrs Typical turnaround
Bridging isn't a fallback product, it's a speed product. The right deployment of a short-term loan buys a client a trophy asset at auction, breaks a stalled chain, exits a development that has overrun, releases capital for a tax deadline, or allows a refinance to be executed without a distressed sale. I arrange regulated and unregulated bridging across UK and European jurisdictions, with particular depth in seven-figure and eight-figure facilities.
How bridging finance works
In bridging, speed and certainty matter more than anything. Here is how Islay arranges high-value bridging finance, from the first conversation to funds released, with the exit planned from the outset.
-
01
Initial Consultation
We begin by discussing your objectives, timeframe, property details, and the reason short-term finance is needed. This helps us identify the most appropriate bridging solution. -
02
Review the Security
Bridging finance is secured against property or other assets. We review the available security and overall transaction structure to determine lender appetite and potential borrowing levels. -
03
Establish the Exit Strategy
Lenders require a credible exit strategy. This may involve refinancing onto a longer-term mortgage, selling a property, releasing capital from investments, or another planned liquidity event. -
04
Source the Right Lender
We approach suitable lenders from our network of bridging lenders, private banks, and specialist funding providers to secure terms that align with your requirements. -
05
Manage the Application Process
We oversee valuations, due diligence, lender underwriting, and legal processes, helping to keep the transaction moving efficiently from application to approval. -
06
Complete and Exit the Facility
Once approved, funds are released to complete the transaction. We can also assist with the agreed exit strategy, ensuring the bridging loan is repaid smoothly at the appropriate time.
Media & Press.
Frequently Asked Questions
A bridging loan is a short-term property-backed finance solution designed to provide fast access to capital. Bridging loans are commonly used to purchase property before a sale completes, refinance existing debt, fund property improvements, or secure time-sensitive investment opportunities. The loan is typically repaid through the sale of an asset, refinancing onto a longer-term facility, or another agreed exit strategy.
Bridging finance can be used for a wide range of purposes, including property purchases, auction acquisitions, chain-break transactions, refurbishment projects, development exits, business liquidity requirements, and debt refinancing. The flexibility of bridging loans makes them a popular solution for investors, developers, business owners, and high-net-worth individuals.
One of the key advantages of bridging finance is speed. While timescales vary depending on the complexity of the transaction, lender requirements, and legal process, bridging loans can often be arranged significantly faster than traditional mortgages. Having a clear exit strategy and the required documentation available can help accelerate the process.
The amount you can borrow depends on several factors, including the value of the security property, the loan purpose, your overall financial profile, and the proposed exit strategy. Bridging lenders assess each application individually, with loan sizes ranging from smaller transactions through to multi-million-pound facilities for complex property and investment requirements.