Entrepreneur, Founder, CEO & UHNW Broker.

Bridging finance.

I am Islay Robinson, CEO and Founder of Enness Global. I assess bridging finance for property transactions with a specific short-term funding need, paying particular attention to the total cost and a credible plan to repay the loan.

Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

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Islay
Robinson.

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The exit matters as much as the funding.

A bridge can address a gap between buying, selling, refinancing or completing works. It also creates a repayment deadline. I want to understand both the reason for borrowing and the evidence supporting repayment before approaching a lender.

My experience includes co-founding a European bridging lender in 2021 and subsequently exiting that business. That added a lender’s perspective to my work as a broker, particularly around security, underwriting and the operational demands of a complex transaction.

I work with the Enness team to assess whether the proposed bridge fits the circumstances, what it will cost and what could prevent the exit. If a sale is delayed or a refinance is unavailable, the borrower still has to repay the loan. An extension is not guaranteed.

For the firm’s detailed service information, visit bridging finance at Enness Global. Where longer-term borrowing may be appropriate, explore my approach to UK mortgages or European property finance.

How I assess a bridging requirement

The purpose, total cost and repayment plan need to be considered together before committing to a loan.

  1. 01

    Establish the purpose

    I look at why short-term finance is needed, the deadline and whether another financing route may fit the circumstances.
  2. 02

    Examine the repayment plan

    We review how the loan will be repaid, the evidence for that exit and what would happen if a sale or refinance were delayed.
  3. 03

    Review the security

    The Enness team assesses the property, ownership, existing charges and proposed borrowing before approaching suitable lenders.
  4. 04

    Compare the total cost

    We assess interest, lender and broker fees, legal and valuation costs, repayment conditions and the consequences of extending or defaulting.
  5. 05

    Coordinate underwriting and legal work

    We organise the evidence and work with the lender and solicitors. Valuation, due diligence and legal conditions can affect both terms and timing.
  6. 06

    Monitor completion and the planned exit

    Funds are released when the lender’s conditions are met. We can help coordinate the proposed exit, but repayment remains the borrower’s obligation.

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Frequently Asked Questions

Bridging finance is short-term borrowing secured against property or land, used for a specific funding gap. The loan needs a credible repayment plan, such as a sale or refinance. The reason for borrowing, total cost and risks should be assessed together.

Islay examines why short-term funding is needed, the security, the full cost and the evidence for repayment. His experience includes co-founding and subsequently exiting a European bridging lender. He now arranges finance through Enness Global, which acts as a broker.

Compare the total amount payable, including interest, lender and broker fees, valuation, legal costs and any exit or extension charges. Some loans add interest to the balance. The cost depends on the facility and its duration, and should be explained before you proceed.

There is no guaranteed completion time. A deadline must be tested against valuation, underwriting, title checks and legal requirements. A prepared case may move more quickly, but an indicative proposal is not a completed loan and terms can change.

It may be an option, subject to lender criteria and the property’s suitability. Funding should be assessed before bidding because the auction contract determines the completion deadline and the buyer’s obligations. A finance discussion or indicative terms do not guarantee that funds will be available.

Additional interest and charges may arise, and the lender may enforce its security, which can lead to the property being sold. An extension or refinance is not guaranteed. The repayment plan and alternatives should be considered before taking the loan.

No. Regulatory treatment depends on the borrower, property use and the structure of the transaction. Enness confirms whether the proposed service and product are regulated before the client proceeds. A firm’s FCA authorisation does not make every loan it arranges a regulated product.

It can be considered in selected markets, but availability depends on the jurisdiction, security, ownership, borrower and repayment plan. Local legal advice is needed, and the lender options and process can differ substantially from the UK.

Discuss a short-term finance requirement

Send the property location, approximate value, existing borrowing, the amount required, the deadline and the proposed source of repayment.

I will help establish whether the case calls for my personal involvement or a specialist colleague at Enness. Fees and any commission arrangements are explained before you proceed.

Contact me

Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

Finance is arranged through Enness Global, a trading name of Enness Limited, a credit broker and protection intermediary, not a lender. Enness Limited is authorised and regulated by the Financial Conduct Authority, reference 565120. Registered at 64 North Row, London, W1K 7DA. Company number 07760090. Some products and services are regulated and some are not; this is confirmed before you proceed. The information on this page is general information, not personal advice. Terms depend on status, valuation and lender criteria.