0800 804 4645 hello@bridgescout.co.uk
Whole-of-market bridging

Find your angle,
fund it fast.

Bridge Scout scouts the entire bridging market for you. See real lenders, rates and total cost in seconds — no signup, no credit check — then let them compete for your deal.

50+ specialist lenders No upfront fees No credit check to compare
Start your comparison
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Not sure of the figures yet? Tell us about your deal →
Loan-to-value—
Indicative comparison only — not a quote, offer or credit check. Bridge Scout is a credit broker, not a lender. You must be 18+ and a UK resident. Bridging is secured on property and your property may be at risk if you do not keep up repayments. Some bridging is not FCA regulated.
50+Lenders on panel
SecondsTo see live rates
£0Upfront broker fees
1 dayTo a tailored quote*
Comparing 64 specialist bridging lenders
PreciseTogetherShawbrookUnited Trust BankLendInvestMT FinanceHope CapitalOctane CapitalAspen BridgingFunding 365Afin BankScotLend Group+ 52 more
Bridge Scout is a trading style of Ngage Finance Ltd — authorised & regulated by the FCA (FRN 948419)
Not sure what you need?

Send us your deal.
We'll find the angle.

Not every deal fits a calculator. Tell us what you're trying to do in your own words and a specialist will come back with how it can be funded — and who'll fund it.

Buying below market value and want to borrow against the valuation, not just the price
Need the works funded as well as the purchase, then refinance to a buy-to-let
Auction deadline, broken chain, or a lender that's pulled out late
Unusual property, several properties, or you're still sourcing
No cost and no obligation. We don't run a credit search to look at your deal — any lender will ask your permission before they do.
Tell us about your deal
We'll use these details only to respond to your enquiry — see our privacy notice. Bridge Scout is a trading style of Ngage Finance Ltd, authorised and regulated by the FCA (FRN 948419). We are a credit broker, not a lender. Bridging is secured on property and your property may be at risk if you do not keep up repayments. Some bridging is not FCA regulated.

Three steps. No cost to look.

The whole market, scouted — then sharpened. You stay in control the whole way.

01 — SCOUT

Compare the market

Enter your deal and instantly see which lenders fit, ranked by total cost — rates, fees and all. No signup, no credit footprint.

02 — COMPETE

Let lenders compete

Pick the lender you like and we put your deal to the panel, pushing for a keener rate and lower fees — usually a tailored quote within one working day.

03 — COMPLETE

Fund it fast

A specialist packages your case and drives it to completion — the fast, flexible funding bridging is built for, with no upfront broker fees.

Compare lenders now →

If it's short-term and secured on property, bridging can move fast.

Common reasons people scout with us:

Auction purchase Break a chain Refurb & refinance
Raise capital fast
Below-market buy
Developer exit
Beat a deadline

Built to put you in control — not to sell you the first deal.

The whole panel, on show

See real named lenders and where each one sits on cost — not a single teaser rate.

No upfront broker fees

Comparing is free and there's no onboarding fee. You only proceed if a deal's right for you.

Lenders compete for you

Choose a lender and we get the panel competing to sharpen your rate and fees.

Real people behind the tech

Specialist advisers package and drive your case to completion, fast.

Recent deals we've funded.

Real bridging cases sourced through our panel. Every deal is different — yours starts with a free comparison.

Auction purchase
£646,250
Mixed-use lot · York · 75% of purchase price

A former bank branch with three flats above, won at auction with 28 days to complete. Title problems and a lender down-valuation left the deposit at risk with 11 days left. A first-charge auction facility plus a second charge over an existing BTL bridged the gap — completed on day 26, redeemed within eight months.

Chain break
£595,000
Regulated · Home Counties · 64% combined LTV

Clients were exchanged on their onward purchase when their buyer pulled out nine days before completion — exposed to the full contractual liability. A regulated bridge across both properties let them complete on time; the old home sold four months later and the balance refinanced onto a standard mortgage.

Heavy refurb / HMO
£420,000
Victorian semi → 7-bed HMO · 61% of GDV

A tired five-bed to be converted into a licensed HMO, complicated by an Article 4 direction, an unregularised extension and a satisfied CCJ. Disclosed upfront BDM-to-BDM, structured as a day-one advance plus staged works funding. Let by month seven, refinanced onto an HMO mortgage by month eleven.

Read the full case studies →

Case studies are real completions arranged through our panel, summarised and anonymised. Individual outcomes depend on the lender, the property and your circumstances, and are not a guarantee of the terms available to you. of the types of deal we arrange. Individual outcomes depend on the lender, the property and your circumstances, and are not a guarantee of the terms available to you.

Bridging finance, explained.

Short-term, secured on property, and fast. Here is the plain-English version before you compare.

What is a bridging loan?

Short-term finance secured against property, usually from a few weeks up to 12–24 months. It bridges a gap: buying before you sell, moving fast at auction, or raising money while you arrange longer-term finance.

How does it work?

You borrow against a property’s value, often with interest rolled up and repaid at the end rather than monthly. You need a clear exit — how you will repay — such as a sale or a remortgage.

How much can I borrow?

Typically up to around 75% of the property’s value (loan-to-value), sometimes more with additional security. The tool shows the maximum each lender will reach for your case.

How fast is it?

Bridging is built for speed — many cases complete in days to a few weeks, far quicker than a standard mortgage, depending on the property, valuation and legal work.

Open vs closed, 1st vs 2nd charge

A closed bridge has a fixed repayment date; an open bridge does not. A first charge is the main loan on the property; a second charge sits behind an existing mortgage. The filters handle all of these.

Adverse credit?

Often fine — several specialist lenders consider adverse credit, because bridging is secured on property. Tick “adverse credit” in the tool to see lenders who will consider it.

A quick worked example

Buying a £500,000 property and need a £325,000 bridge (65% LTV) for 12 months at an indicative 0.64% a month: interest is around £2,080 a month, and with a 2% lender arrangement fee (£6,500) the indicative cost of finance over the term is about £31,460 — plus valuation and legal costs, confirmed before you commit. A desktop valuation and dual legal representation can often reduce those extra costs.

What does bridging cost?

Bridging is priced monthly. Indicative rates on our panel start from around 0.55% a month for the strongest cases and rise with LTV and complexity. On top of the interest you will usually pay a lender arrangement fee (commonly around 2%), a valuation fee, and legal costs. Some lenders accept a desktop/AVM valuation, and dual legal representation can keep legal costs down.

Is bridging right for you?

Bridging suits short-term, time-sensitive situations with a clear exit. If you have more time, a remortgage or further advance, a second-charge mortgage, or (for smaller sums) a personal loan may cost less. A specialist can talk you through which route fits — with no obligation.

Compare bridging lenders →

Questions, answered.

Does comparing affect my credit score?+
No. Seeing indicative lenders and rates on Bridge Scout involves no credit check and leaves no footprint. A lender only carries out checks later, with your consent, once you choose to proceed.
Are there any upfront fees?+
We don't charge upfront broker fees or an onboarding fee to compare or enquire. A lender may ask you to cover a valuation, and sometimes their legal costs, before completion — we'll set out every cost clearly before you commit to anything.
Are the rates I see guaranteed?+
They're indicative, sourced from our lender panel to help you compare. Your actual rate depends on the lender, the property, your circumstances and a valuation. When you pick a lender we confirm real terms — and push to improve them.
How fast can bridging complete?+
Bridging is built for speed — cases can complete in days rather than the weeks a standard mortgage takes, depending on the property, the legal work and your circumstances.
Who is Bridge Scout?+
Bridge Scout is a trading style of Ngage Finance Ltd, a specialist finance brokerage authorised and regulated by the FCA (FRN 948419). We're a credit broker, not a lender.
How much can I borrow with a bridging loan?+
Typically up to around 75% of the property value, and sometimes higher if you add security over another property. The comparison tool shows the maximum loan-to-value each lender will consider for your case.
What fees are involved?+
Alongside the monthly interest you will usually pay a lender arrangement fee (commonly around 2%), a valuation fee and legal costs. A desktop valuation or dual legal representation can reduce these. There is no upfront broker fee to compare or enquire, and every cost is set out before you commit.
Can I get a bridging loan with bad credit?+
Often yes. Because bridging is secured against property, several specialist lenders will consider adverse credit such as defaults, CCJs or arrears. Tick the adverse-credit option in the tool to see lenders who will consider it.
Do I need a repayment plan?+
Yes. Bridging is short-term, so lenders want to see a clear exit — how you will repay, such as selling the property or refinancing onto a longer-term mortgage. We will discuss your exit before recommending anything.
Can I use a bridging loan for an auction purchase?+
Yes — auction purchases are one of the most common uses. Bridging can complete in the short timescales auctions require, where a standard mortgage often can't. Compare lenders in the tool and enquire, and a specialist can move quickly on your timeline.
What's the difference between a bridging loan and a mortgage?+
A bridging loan is short-term (typically up to 12–24 months), designed for speed and flexibility, with interest often rolled up and repaid at the end. A mortgage is long-term with monthly repayments. Bridging suits time-sensitive situations with a clear exit; a mortgage suits long-term ownership.
How much deposit or equity do I need?+
Bridging is based on loan-to-value rather than a traditional deposit — typically you can borrow up to around 75% of the property's value, so you'd need roughly 25% in equity or contribution, sometimes less if you offer additional security. The tool shows each lender's maximum for your case.

See your lenders in seconds.

No signup. No credit check. Just the whole market, scouted for you.

Start my comparison →