In a market where certainty is hard to come by, Bridging Finance gives property developers and investors the confidence to keep moving. Not just by plugging funding gaps, but by driving projects forward when timelines shift.
In this article, Senior Regional Director Samuel Cousins and Regional Director Alice van Duijvenvoorde will look at how Ultimate Finance’s Bridging Loans (such as Development Exit and Below Market Value) help keep property businesses moving: whatever the challenge.
Our approach to Bridging Finance
Samuel explains, “Every deal is different. We start with what your client needs to achieve, then tailor the Bridging Loan that will get them there.
We take a solution-first view of every case. Whether it’s a development nearing completion, a complex portfolio purchase, an auction win, or a short-term cashflow need, we structure the facility that suits.
Brokers tell us we stand out because we look at the full picture and find ways to make it work.”
Alice adds, “As a lender with a long track record, we bring certainty of funds and the control to move quickly. You’ll get decisions in principle within 24 hours and credit-backed offers in as little as 72 hours. With credit and elements of our legal process handled in-house, communication is faster, processes are clearer, and completions stay on track.
Add high LTVs (up to 75%) and specialist options like Below Market Value (BMV) and Equity Release, and you get the speed, certainty and flexibility to deliver the best outcomes to keep your client’s projects moving.”
1. Development Exit: bridging between build and sale
When a scheme is nearly complete, but sales still have ground to cover, a Development Exit Loan keeps momentum going.
Sam continues, “We can lend pre‑practical completion (PC), so deals move ahead while final sign‑offs are underway: something that sets us apart. You’ll have direct access to decision‑makers, with our credit and legal teams working together to remove bottlenecks and keep completions on track.”
We work with brokers to structure exit strategies that fit, including:
- Partial releases and profit extraction as units sell (subject to facility terms)
- Staged repayments
- Short extensions to maximise value
With LTVs up to 75%, loans from £100k to £4m and terms from 1–18 months, it’s short-term finance built for momentum. This gives developers the time to sell, repay existing development finance, or refinance without deadline pressure.
2. Below Market Value (BMV): Bridging Finance for complex, creative deals
Title splits, portfolio purchases, and refinancing after probate sales – some of the best opportunities come with moving parts. These are the deals where smart structuring makes all the difference.
Alice explains, “Our Below Market Value (BMV) bridging loans are built for that. We lend against the evidenced market value, not just the purchase price. We can often cover up to 100% of the net purchase price within a 75% LTV cap, subject to valuation and underwriting.
For brokers, it means fewer barriers and more ways to make it work. For clients, it unlocks potential that standard lenders might overlook.”
3. Equity Release: Bridging Finance for flexibility and momentum
When timelines shift, our bridging loans help your clients stay in control.
Sam says, “Our solutions give borrowers additional capital to access to help remove pressure and protect opportunities.”
Few lenders offer this, and even fewer can do it with our combination of speed, flexibility and competitive pricing (with rates from sub-1% on select deals).”
Our Equity Release options provide quick access to short-term capital from existing property. Clients can use it to fund new purchases, invest in their business, or strengthen cashflow with the speed and certainty that Ultimate Finance is known for.
These products are built around adaptability, giving brokers and their clients the confidence to keep moving even when plans change.
Why brokers choose Ultimate Finance
Every bridge we fund is built on the same foundations of speed, certainty, and flexibility.
- Speed to make decisions when opportunities can’t wait.
- Certainty from an established lender with an expert deal team keeping deals on track.
- Flexibility through high LTVs, bespoke structuring, and products designed around real-world challenges.
Our award-winning products and long-standing broker partnerships are built on collaboration and trust. We work with brokers to structure facilities that fit – and deliver on what we promise.
Bridging Finance that keeps projects moving
In a sector that demands speed, creativity, and certainty, our bridging solutions are built to help brokers and their clients move confidently.
We’re proud to be the funding partner of choice for ambitious property developers and investors across the UK — trusted for our reliability, respected for our flexibility, and valued for the relationships we build along the way.
Explore our full Bridging Finance range.
