Chain-break & purchase
Secure your onward purchase before your sale completes, without losing the property or your deposit.
From 0.69% pcm
Bridging finance, done properly
The deal won't wait. Neither do we.
Bridging loans from £1,000 to £50,000 for investors, developers and businesses. Decisions in principle within 2 hours. Completion in 5 working days.
- lent to date
- £1m+
- lent to date
- to a decision
- 2 hrs
- to a decision
- client rating
- 4.9/5
- client rating
Business-purpose lending
Secured bridging for business purposes only, never consumer lending.
Underwritten by people
Every case reviewed by a senior underwriter, never an algorithm.
Asset-led decisions
We lend against the security and the exit, not just a credit score.
What we fund
One bridge. Every scenario.
From a £1,000 chain break to a £50,000 refurbishment bridge, we structure the facility around your exit — not the other way round.
Auction finance
Meet the 28-day auction deadline with confidence — valuations instructed the day the hammer falls.
28-day completion
Refurbishment bridges
Light to heavy refurbishment funding, including uninhabitable stock other lenders won't touch.
Up to 75% LTV
Development exit
Refinance finished or near-finished schemes, release equity and cut your finance costs mid-project.
Up to 70% GDV
Commercial & semi-commercial
Offices, retail, mixed-use and industrial units — including short leases and complex titles.
Up to 65% LTV
Second charge & capital raise
Release equity behind your existing lender for tax bills, deposits or business cashflow.
2nd charges OK
How it works
From enquiry to funds in four steps.
No portals, no ticket queues. You deal with one named broker from first call to completion.
Start your enquiry- 01
Tell us the deal
A five-minute call or the enquiry form below. We only need the security, the amount and your exit.
- 02
Decision in principle
An underwriter — not a computer — reviews the case and issues terms within 2 working hours.
- 03
Valuation & legals
Panel valuers and dual-representation solicitors instructed same day to keep timelines tight.
- 04
Funds released
Completion in 5 working days. Interest can be retained or serviced — your choice.
Recent completions
Deals we've done, not deals we promise.
Business owner
£5,000 for a cafe owner to fit out a second site
6-month term · second charge · funds in 6 working days
Home renovation
£15,000 to finish a full house renovation before remortgage
6-month term · 65% LTV · completed in 7 working days
Buy-to-let
£25,000 deposit bridge for a landlord's next buy-to-let
6-month term · 70% LTV · DIP in under 2 hours
Auction purchase
£35,000 auction lot secured within the 28-day window
6-month term · 72% LTV · DIP in 90 minutes
Property investor
£45,000 to buy and lightly refurb a flat before sale
6-month term · 68% LTV · completed in 8 working days
Capital raise
£50,000 tax-bill bridge against an unencumbered property
6-month term · second charge · interest fully retained
Client stories
Word travels fast. So do we.
Every enquiry is reviewed personally. If a bridge is the right tool, we'll tell you exactly how and why — if it isn't, we'll say that too.
4.9/5 average client rating
"I needed £12,000 in five days to complete on an auction lot. SaintCapital called me back within 20 minutes, issued terms the same evening and the solicitor was instructed before lunch the next day. Proper service."
"We used SaintCapital to bridge a VAT bill while waiting on a commercial refinance. No jargon, no hidden fees, and someone actually answered my email at 7pm."
"After my main bank pulled out two weeks before exchange, SaintCapital stepped in with a £25,000 second charge. They saved the chain and my buyer. I recommend them to every landlord I know."
"We bought a probate property that needed a complete refurb before it could be mortgaged. SaintCapital funded the purchase and the works in one facility, and kept in touch every step of the way."
Common questions
Straight answers, no jargon.
Can't find what you need? Email us on hello@saintcapital.co.uk — a broker answers, not a call centre.
Get started
Tell us about the deal. We'll call within the hour.
Every enquiry is reviewed by a senior broker. If a bridge isn't right for you, we'll tell you — and point you at what is.