Fast, Flexible Bridging Finance for Contractors and Property Investors
A bridging loan offers short-term funding to help you complete property purchases, cover renovation costs, or manage cash flow between transactions. Whether you’re buying at auction or waiting for your sale to complete, bridging finance provides fast access to capital when timing is crucial. At Contractor Mortgage Solutions, we work with specialist lenders who understand contractor income ,helping you secure the right funding based on your day rate, not your tax returns or payslips.
Tailored Mortgage Solutions / Options / Types
Tailored Bridging Finance Solutions for Contractors and Developers
At Contractor Mortgage Solutions, we specialise in arranging short-term bridging loans designed for contractors, self-employed professionals, and property investors. Whether you’re purchasing an auction property, funding a renovation, or bridging a property chain, our team structures deals that fit your timeline, contract income, and exit strategy.
Auction Bridging Loans
Ideal for buyers needing rapid funds to meet tight auction deadlines. We help contractors secure quick finance so you can complete purchases without missing opportunities.
Refurbishment Bridging Loans
Perfect for funding property improvements before refinancing or resale. Our lenders assess project potential, not just credit history.
Development Bridging Finance
For contractors and developers looking to start or complete building projects. We structure loans based on your project’s gross development value (GDV).
Chain Break Bridging
When a property chain collapses, our bridging loans ensure you can still move forward with your purchase while waiting for your sale to complete.
Investment Bridging
For investors expanding their portfolios or refinancing multiple properties, we secure tailored bridging options with competitive short-term rates.
We work with more than 120 mortgage lenders, including:
We Operate Based on Your Day Rate
We specialise in securing bridging finance for contractors based solely on their contract earnings ,no tax returns or company accounts required. Over the past decade, Contractor Mortgage Solutions has helped contractors, developers, and investors access fast funding for time-sensitive opportunities. We work closely with specialist lenders who understand flexible income structures, helping you secure bridging loans quickly and confidently ,often within days, not weeks. With access to exclusive products and a track record of delivering under tight deadlines, our expertise ensures your deal completes on time.
Estimate How Much You Could Borrow
Use our bridging finance calculator to get an instant indication of your potential borrowing capacity. The tool provides an estimate only ,for a tailored assessment based on your contract income, property value, and exit strategy, speak to one of our bridging specialists today.
Almost there!
Please provide your details to see your mortgage calculation resultsYour Estimated Borrowing Amount
Please note, that this calculator only provides indications of possible borrowings. Contact us for a free bespoke contractor mortgage recommendation.
Ready to Explore Your Bridging Finance Options?
Don’t let tight deadlines or complex lending criteria hold you back. Whether you’re purchasing an auction property, funding a development, or bridging a property sale, we help you access flexible short-term finance tailored to your contract income. With exclusive access to specialist lenders and rapid approval times, Contractor Mortgage Solutions ensures you secure the funding you need ,exactly when you need it.
Compare & Find the Right Bridging Finance Option for You
Don’t settle for standard ,explore, compare, and secure the best bridging finance solution built around your goals.
Mortgage Comparison
Find the Right Bridging Finance in Minutes
Navigating bridging finance options can be challenging, but we make it simple. Our comparison tool lets you explore rates and terms from top UK lenders ,helping you identify the best short-term funding for your project. Whether you’re a contractor, property developer, or investor, you can compare loan amounts, repayment structures, and interest options all in one place. With our expertise in contractor lending, you’ll gain access to fast, flexible bridging finance rarely available through high-street lenders.
Mortgage Quote
Get Your Personalised Bridging Finance Quote Instantly
Want to know how much you can borrow and how quickly funds can be released? Our bridging finance quote tool gives you a no-obligation estimate based on your income, property value, and timeline. With no impact on your credit score, you can explore your funding options confidently and take the next step toward completing your property deal.
Why Choose Contractor Mortgage Solutions for Bridging Finance?
Testimonials
James R.
Property Investor, Manchester
“CMS secured my bridging finance in record time.”
I needed quick funding for an auction property, and Mo and his team made it happen within two weeks. Incredible service.
Sarah W.
Contractor Developer, London
“They understand contractor income like no one else.”
As a self-employed developer, other brokers couldn’t help. CMS structured my loan perfectly around my contract rate.
Tom K.
Construction Contractor, Birmingham
“Fast, transparent, and professional.”
From start to finish, CMS kept me informed. The process was seamless, and I got the funds before my deadline.
FAQ’s
What is bridging finance, and how does it work?
Bridging finance is a short-term loan designed to “bridge” the gap between buying one property and selling another, or to provide quick funding for investment or development. It’s typically repaid within 6–18 months, either through refinancing or property sale.
Our Partners: https://mortgage-tek.co.uk/
Can contractors qualify for bridging finance based on day rate income?
Yes. At CMS, we work with lenders who assess your contract value and project potential instead of traditional accounts. This allows contractors and self-employed professionals to access fast funding without lengthy documentation.
How quickly can bridging finance be arranged?
In most cases, funds can be released within 5–10 working days, depending on valuation and legal checks. Our priority is ensuring speed without compromising accuracy.
What are the main uses of bridging finance?
Common uses include auction purchases, refurbishment projects, development funding, bridging property chains, or temporary finance before refinancing.
What kind of security do lenders require?
Bridging loans are typically secured against property or land assets. Some lenders may also consider multiple securities for larger loans.
Are interest rates higher for bridging loans?
Yes, since bridging loans are short-term, the interest rates are slightly higher than traditional mortgages. However, they’re designed for short durations, making them ideal for time-sensitive projects.
Do I need an exit strategy for bridging finance?
Yes. Lenders require a clear repayment plan ,typically refinancing or selling the property. CMS helps you structure a strong exit strategy to ensure smooth approval.
Can bridging finance be used for commercial property?
Absolutely. We arrange bridging loans for both residential and commercial projects, including offices, retail spaces, and mixed-use developments.
Can I apply if I have an imperfect credit history?
Yes. We work with specialist lenders who prioritise the property’s value and exit plan over minor credit issues, giving contractors broader access to funding.