Business Details
22 Years
experience
Emergency
services
Your Trusted Partner for Loan Solutions in Manchester
We are a mainstay lender in the short-term finance market with over 15 years of experience. Our bridging and development loans have supported property developers, investors, self-build enthusiasts, and financial intermediaries across the UK. We specialise in flexible, fast funding solutions for residential and commercial property projects, including auctions, tax liabilities, and unmortgageable properties.Our regulatory accreditations include FCA authorisation and membership of UK Finance. We prioritise transparent processes with no upfront fees, staged facilities, and decisions in principle within hours. Our team combines industry expertise with tailored financial strategies to address complex property transactions.
Services
Bridging Finance
Development Finance
Auction Finance
Tax Liability Loans
Unmortgageable Property Finance
Self Build Finance
Property Refurbishment
Commercial Property Loans
Consumer Buy to Let
Discounted Purchase Finance
Details
- Year established: 2004
Highlights and features
- 15+ years of experience in short-term property finance
- FCA-authorised and regulated lending practices
- Flexible loan structures with staged drawdowns
- Decisions in principle within hours of application
- No upfront application fees for direct borrowers
Associations and certifications
- Financial Conduct Authority
- UK Finance
- National Association of Commercial Finance Brokers
- Association of Short Term Lenders
What people say
Fast funding process
Flexible loan terms
Expert guidance
Reliable support
Quick decisions
Services
Bridging Loans
Bridging loans provide fast, flexible financing for property transactions requiring urgent funds. Ideal for auction purchases, chain breaks, or tax liabilities, these loans offer terms from 1 to 18 months with staged drawdowns. Borrowers can access up to 3 million with LTV ratios reaching 75%, secured against residential or commercial properties.
Development Finance
Development finance supports residential and commercial construction projects across the UK. Loans cover land acquisition, refurbishments, and new builds with funding up to 100% of costs in specific cases. Staged releases ensure interest is charged only on drawn amounts, benefiting developers needing phased funding for conversions or expansions.
Auction Finance
Auction finance enables rapid property purchases at auction with funds available within days. This service caters to buyers needing immediate liquidity for deposits and completions, offering pre-approved facilities up to 3 million. Flexible terms accommodate both regulated and unregulated transactions for residential and commercial properties.
Tax Liability Loans
Tax liability loans provide liquidity for urgent tax obligations including PAYE, VAT, and capital gains. These short-term solutions allow businesses and individuals to meet HMRC deadlines while maintaining cash flow, with secured lending options up to 3 million against property assets.
Unmortgageable Property Finance
Unmortgageable property finance addresses non-standard construction or incomplete properties unsuitable for traditional lenders. Loans support purchases of homes lacking kitchens/bathrooms or requiring major renovations, offering flexible terms for borrowers seeking to refurbish or reposition challenging assets.
People
Ian Harrison
Head of Sales
With over 20 years in property finance, Ian leads sales strategy across England, Scotland, and Wales. He specialises in complex loan structuring for developers and investors.
Jade Esterkin
Regional Sales
Jade manages client relationships in the South of England, focusing on auction finance and development projects. She brings 12 years of experience in short-term lending solutions.
Dan Esterkin
Regional Sales
Dan supports property professionals in the South West, delivering tailored finance packages for residential and commercial developments with a focus on speed and flexibility.
Kyne Mcallister
Regional Sales
Kyne oversees lending operations in the North West and Wales, assisting clients with bridging loans and tax liability solutions since 2010.
Paul Timmins
Regional Sales
Paul serves Midlands clients, specialising in self-build finance and commercial property transactions. He has arranged over 200m in short-term loans during his career.
Questions
What types of properties qualify for bridging loans?
Bridging loans support residential, commercial, and unmortgageable properties including auction purchases, tax liabilities, and development sites.
How quickly can I receive funds?
Decisions in principle occur within hours, with completions possible in 1-4 weeks depending on transaction complexity.
Are there upfront fees?
No upfront application fees apply for direct borrowers, though valuation and legal costs may occur.
Can I repay early?
Yes, with no early repayment charges. Partial repayments require scheduled interest payments.
What loan amounts are available?
Loans range from £10,000 to £3 million, with LTV ratios up to 75% depending on security and borrower profile.
Is the loan regulated?
Consumer loans require FCA-regulated intermediaries. Commercial loans operate under unregulated frameworks.
Reviews (3)
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Nov 12, 2021
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David Med
Jun 14, 2021
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We at Midland Bridging Group have used these guys since 2014. Really happy, deal with everyone from Ian, Gary all the way to the underwriters. Not the cheapest on the market, but as we know its not always about the rate. Just about to place my personal deal with these boys.
