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Bridging & refurbishment finance

Bridging finance up to 100% of the purchase price.

Whole-of-market access to 100+ UK lenders — and we can finance the refurb works too.

Up to 100%Of the purchase price*

DesktopIn-house valuation saves time

100+ lendersWhole-of-market access

+ RefurbWorks financed too

Specialist brokers since 2008 · 1M+ YouTube views

*100% lending needs additional security (a cross-charge over other property) or a purchase below market value. Subject to status, valuation and lender criteria.

Check your bridging options

A director — not a call centre — calls you back.

No credit check No obligation Direct to a director

Thanks — that's with us.

Payam or Richard will call you to talk through the deal. In a hurry? Call 020 7993 2044.

The secret to faster funds and a stronger rate.

Generic broker

A handfulof lenders on their panel

Their panelOut of reach

You get whichever of those few says yes first.

Niche — bridging specialists

100+UK lenders — the whole market

Every lender checkedYour best deal

We search them all, then bring you the best deal.

More often than not, there's a better deal just sitting there.Better rates. Faster funding. The peace of mind you've seen the whole market.

Find my best deal

As featured in

Payam Azadi and Richard Stokes, co-founders and directors of Niche Advice

Payam AzadiCo-founder & Director

Richard StokesCo-founder & Director

Who you'll speak to

You deal with the directors. Not a call centre.

17+ years in residential and commercial property finance, with long-standing relationships across specialist bridging lenders.

Thousands of clients helped since 2008
Expert commentary in the national and trade press
The same broker from bridge through to refinance

How it works

Fund the whole purchase with property you already own.

A cross-charge puts a second property up as extra security — so the lender can lend the full price.

100% of the purchase price — with no cash deposit

Cross-chargeEquity in another property stands in for the deposit.

Purchase + refurbFunds to buy, then more funds to do the works.

Below market valueThe discount can do the work of a deposit.

Exit planned up frontRefinance or sale mapped before you commit.

Illustrative example

Purchase price£250,000

Extra security — mortgage-free flat£300,000

Loan against both£250,000

Cash deposit needed£0

Loan-to-value across both properties ≈ 45%. Fees, legal costs and stamp duty still need covering. For illustration only — not an offer of finance.

Watch before you borrow

The bridging mistakes that cost investors thousands.

Hidden costs, the wrong term, a weak exit. Our most-watched bridging video — 21,900+ views.

We fund

100% bridging
Purchase + refurb
Light & heavy refurbishment
HMO conversions
Commercial to residential
Permitted development
Auction finance
Chain break
Capital raising
Second charge

Talk through your deal

Bridging finance dangers18:57

The difference

What other brokers do. What we do.

Other brokers Niche Advice

Other brokers

Niche Advice

Call centres and graduates on the desk

You deal directly with the directors

Self-employed brokers — here today, gone tomorrow

Same two directors since 2008

Non-refundable fees at every stage

No upfront fees — our fee is set out in writing at the start

Costs surface late in the process

Lender and full costs disclosed before any credit search

Arrange the bridge and walk away

Plan the exit — and arrange the refinance too

Wait weeks on valuations and solicitors

In-house desktop valuation — plus dual representation and title insurance

Totally independent

Bridging finance can be expensive. The right broker saves you thousands.

We're not affiliated with any bank, so our only job is getting you the best deal — not the lender.

Independent — not tied to any bank or lender
Whole of market — 100+ UK lenders, so you see every option
Working for you — never for the bank
Small change, big saving — a slightly better rate can mean thousands saved in interest

Refinancing a bridge7:58

The exit

Getting a bridge is easy. Getting out of one is where deals go wrong.

Ownership rules, revaluations, the term you pick. We plan the refinance before you draw a penny — and handle it ourselves.

Plan my exit

Trusted by investors

Rated 4.8 on Google. Watched over a million times.

4.8★From 130+ Google reviews · Read them

15.7kYouTube subscribers · Watch

1M+Views of our property finance videos

2008Trading under the same two directors

What we fund

Buy it, fix it, refinance it.

100% purchasesCross-charged against other property

Purchase + refurbBuy now, more funds for the works

HMO conversionsBridge, convert, refinance

Commercial to resiPermitted development or planning

Auction purchasesDeadline met, exit lined up

Heavy refurbishmentUnmortgageable to lettable

Chain breaksBuy before yours sells

Capital raisingRelease equity you already hold

Stuck in a bridge that's running out? If your exit is looking tight, the sooner we talk the more options there are. One call tells us what's achievable.

Enquire now Call 020 7993 2044

100% bridging

Who actually qualifies for 100% bridging?

It's possible — but it isn't open to everyone. Payam explains who gets it.

Landlords with equity in other property
Below-market purchases and gifted transfers
Inherited property used as security

See if you qualify

Payam Azadi10:02

6,600+ views · More on our channel

Straight answers

Questions investors ask us first.

Can I really get 100% bridging finance?

Yes, in the right circumstances. Usually that means putting up equity in another property as extra security (a cross-charge), or buying below market value, or using inherited or gifted property. You'll still need to cover fees, legal costs and stamp duty. We'll tell you on the first call whether your deal fits.

How does a cross-charge work?

The lender takes a charge over the property you're buying and a second property you already own. The equity in that second property stands in for your deposit, so the loan can cover the full purchase price.

Can you fund the refurbishment as well?

Often, yes. Many lenders will release funds for the purchase and then further funds for the works, in stages. We'll structure it around your schedule of works.

What will it cost?

It depends on the deal — the rate, lender fees, valuation, legals and the term you choose all add up. We disclose the lender and the full costs before any credit search, and our own fee is set out in writing at the start.

How fast can it complete?

Bridging is built for speed. Our in-house desktop valuation, plus dual representation and title insurance, can take weeks out of the process. We'll be straight about what's realistic for your deadline.

Will you help with the refinance afterwards?

Yes. We plan the exit before you commit and can arrange the refinance onto a buy-to-let or commercial mortgage once the work is done — same broker throughout.

Are you regulated?

Niche Advice Limited is authorised and regulated by the Financial Conduct Authority, FCA number 750263. Some bridging finance — including most lending on investment or commercial property — is not regulated by the FCA.

Find out if 100% bridging works for your deal.

Two minutes to check. A director calls you back with honest answers.

Enquire now Call 020 7993 2044

No credit check
No obligation
Speak to a director
Independent, whole of market