Fast, flexible short-term finance for commercial property transactions, decisions in 48 hours, completion in days, and creative structuring for deals that mainstream lenders will not touch. Our Redbridge-based commercial mortgage service connects you with specialist lenders who understand the Greater London commercial property market.
Fast, flexible short-term finance for commercial property transactions, decisions in 48 hours, completion in days, and creative structuring for deals that mainstream lenders will not touch.
Our Redbridge commercial mortgage team connects you with specialist lenders who have appetite for Greater London commercial properties, securing competitive terms through direct credit committee relationships.
Read our complete commercial bridging finance guideMarket Insight: Redbridge's commercial market runs from the Exchange Shopping Centre and dense retail parades of Ilford, through the retail and transport hub at Gants Hill, to the professional and independent trade of Wanstead and South Woodford. The Elizabeth line has been the defining recent driver, cutting journey times into central London and Canary Wharf from Ilford, Seven Kings, Goodmayes and Chadwell Heath and lifting demand for shops, offices and mixed-use redevelopment along the route. A young, growing and diverse population supports strong retail, healthcare and professional services occupancy, while Ilford town centre carries the borough's largest regeneration pipeline.
Ilford town centre carries the borough's main regeneration programme, with residential-led mixed-use schemes intensifying around the station following the Elizabeth line's arrival. The wider Crossrail corridor through Seven Kings, Goodmayes and Chadwell Heath continues to attract redevelopment, while heritage projects such as the Embassy Cinema restoration at Chadwell Heath add to the pipeline.
Owner-occupier term rates run from about 6.0 to 7.5% in 2026, and Redbridge attracts broad lender interest thanks to the Elizabeth line uplift. NatWest, Barclays, Lloyds and Santander lend on retail and office premises across Ilford and Gants Hill, while Shawbrook, InterBay Commercial, LendInvest and Cynergy Bank suit mixed-use, multi-let and conversion stock along the corridor. Commercial investment facilities sit in the 6.5 to 8.5% band, and residential-led development and quick purchases can use bridging at 8.5 to 11.0% pa.
For straightforward cases with all documentation prepared and ready, we can typically obtain a decision in principle within 48 hours and achieve completion within 5 to 10 working days. More complex cases, involving heavy refurbishment, non-standard property types, or corporate structures, may take 2 to 4 weeks. The single biggest factor in achieving speed is preparation: having your identification documents, proof of funds for any equity contribution, details of the exit strategy, and solicitor instructed before the application goes in. We prepare a full lender-ready package before submission, which eliminates the back-and-forth that slows many bridging applications.
These are the three ways bridging loan interest can be structured. Retained interest is deducted from the loan on day one, if you borrow £500,000 gross with 12 months of retained interest at 0.85% per month, you receive £449,000 net and repay £500,000 at exit. No monthly payments are required. Rolled-up interest accrues monthly and is added to the loan balance, you receive the full advance but the amount you owe grows each month. Again, no monthly payments. Serviced interest requires monthly payments of the interest charge, meaning you receive the full advance and repay only the capital at exit, but must have cash flow to meet the monthly obligation. Retained interest is most popular because it provides certainty of total cost from day one.
A first charge bridge is the primary loan secured against the property, it has first priority if the property is sold or repossessed. A second charge bridge sits behind an existing first charge mortgage and has subordinate priority. Second charge bridges are used when you want to raise additional capital against a property without disturbing your existing mortgage, for example, to release equity for a deposit on another purchase. Second charge rates are typically higher than first charge because the lender accepts greater risk. The first charge lender must consent to the second charge being placed on the property.
Dedicated commercial bridging finance specialists with deep knowledge of the Greater London market.
Access to 100+ specialist lenders including those with specific appetite for Redbridge.
Operating to the highest professional and ethical standards with full transparency on fees and lender recommendations.
Successfully arranged millions in property finance across Greater London and beyond.
Provider of non-regulated lending solutions. Your property may be repossessed if you do not keep up repayments on your mortgage.