Bridging & Development Finance in Brighton & Hove

From auction deals in The Lanes to conversions in Kemptown and new builds in Hove, we arrange fast bridging and structured development finance across the city. When advice is required, we’ll connect you with an FCA-regulated adviser.

Where Bridging Fits

• Buy before you sell or resolve a chain issue
• Auction purchases with tight completion windows
• Refurbs where a property is currently unmortgageable
• Short-term capital to capture discounts or secure planning

How We Help

• Define loan amount, security and exit (sale/refi)
• Compare lenders on speed, leverage and fee structure
• Coordinate valuation, legals and monitoring surveyors
• Agree interest method: retained, rolled or serviced

Facilities Available

• Regulated/unregulated bridging
• Light/heavy refurbishment for upgrades and structural works
• Development finance with staged drawdowns and QS oversight

Lenders Consider

• LTV/LTGDV: Bridges up to ~75% LTV; developments priced to LTGDV and costs
• Exit certainty: Realistic sale comps or refinance evidence
• Experience: Stronger CVs widen options for heavy schemes
• Property: Lease terms, EPC and planning (Article 4 in some areas)

Timing & Total Cost

• Speed: Terms in 24–48h; completions typically 1–3+ weeks
• Costs: Monthly interest plus arrangement/exit, valuation and legal fees
• Cashflow: Retained/rolled interest vs. serviced payments

Local Notes

Brighton & Hove’s leasehold landscape (service charges/ground rent) and conservation areas affect valuations and exits. For HMO conversions or flats, ensure planning and licensing are clear before drawdown.

FAQs

What if the sale is delayed?

Build contingency into the