Bridging Loans & Development Finance
If you are looking to make a property or land purchase it’s important that you get access to the best rates and best deals, Top 10 Finance is a premier broker with access to exclusive deals not available to other brokers.
We specialise in offering financial services for both bridging loans and property development finance. Along with the UK banks and traditional high street lenders, we also work with many niche banks who will look at deals that do not meet a mainstream lenders criteria.
All our rates are updated daily to ensure you get the best loan available for your circumstances. We are also fully registered with the Financial Conduct Authority.
We pride ourselves on the fact that we are well known in the industry for our professionalism and the ability to get deals over the line when other brokers would not. Bridging Loans & Development Finance are both specialist areas of finance and you need a specialist broker to understand your situation and what is available for your needs.
Once you make your Loan application we are here to help and guide you through the process with the minimum amount of effort, in order to achieve your goal, we will take your calls 24/7 and deal with all of the pitfalls along the way.

Bridging Loans & Development Finance
If you are looking to make a property or land purchase it’s important that you get access to the best rates and best deals, Top 10 Finance is a premier broker with access to exclusive deals not available to other brokers.
We specialise in offering financial services for both bridging loans and property development finance. Along with the UK banks and traditional high street lenders, we also work with many niche banks who will look at deals that do not meet a mainstream lenders criteria.

All our rates are updated daily to ensure you get the best loan available for your circumstances. We are also fully registered with the financial conduct authority.
Bridging Loans & Development Finance
We pride ourselves on the fact that we are well known in the industry for our professionalism and the ability to get deals over the line when other brokers would not. Bridging Loans & Development Finance are both specialist areas of finance and you need a specialist broker to understand your situation and what is available for your needs.
Once you make your Loan application we are here to help and guide you through the process with the minimum amount of effort, in order to achieve your goal, we will take your calls 24/7 and deal with all of the pitfalls along the way.
Why Top 10 Finance Ltd?
There are so many reasons to choose Top 10 Finance. Here are the most important…
- We are the leading Bridging Loan & Development Finance Broker in the UK.
- 24/7 Support we are here every day of the week to help with your loan.
- Our focus is on getting you the right deal at the very best price.
- State of the art technology keeps you up to date on your application at all times.
- We have access to all of the active lenders in the UK.
- Fully FCA regulated gives you peace of mind.
- Over 15 years helping customers get Bridging Loans & Development Finance
- Over 400 five star reviews prove our impeccable track record.
- Always completely honest and upfront with you about rates and costs.
- Never any upfront fees, we get paid by the lender only when you get your loan.
- We work closely with lenders and have built up relationships over many years that means we and can very often get loans agreed that would otherwise have fail.
Top 10 Finance – Bridging Loans
Top 10 Finance have been arranging bridging loans for many years, a bridging loan is a short-term loan secured by a property, it could be your existing home or another property that you wish to purchase, bridging finance could also be used to purchase a property at auction, or a property that you need to purchase quickly. Bridging loans can only be used when buying property.
UK Bridging Lenders would look for security against the property as either a first or second charge and the rate of interest you would be charged would be dependent on the property location, the loan to value that you want to borrow against, also second charge loans are always more expensive than first charge loans due to the lender having to stand behind the lender who has a first charge in place. For first charge loans, the rate of interest could be as little as 0.37% per month for a person with a good credit rating, for a person with bad credit monthly interest rates could go as high as 1% per month.
Arrangement fees will also have to be taken into account and these are in the 1-2 % range depending on who the lender is. Administration fees are not charged on bridging loans except in exceptional circumstances.
Top 10 Finance – Development Finance
We have a specialist team arranging development loans for property developers, and can arrange loans for both inexperienced and also professional developers, if it’s your first project we can guide you through the application process to ensure you present your application in a professional way and so giving you the very best opportunity to get the funding you require. For experienced developers, we have a number of lenders looking to offer competitive lending terms for developers who have previously completed and sold more than 3 developments.
We work closely with specialist lenders in order to offer our clients finance that is at competitive rates and also fits in with their requirements. Interest rates can be as low as 4% p.a and we can source up to 90% of all costs including the initial site purchase. In addition, we have a number of joint venture lenders who would fund up to 100% of all costs, although in return they would also look to take at least half of the profit.
Development finance is secured against either land or a property that is to be developed and sold on for a profit. The loan would usually be drawn down against the initial purchase, be that land or a property that is to be refurbished or converted into multiple residential units. After the initial drawdown payments are made against works completed, based on a surveyors valuation. The loan would be paid back from the proceeds of the property sales, also a lender would expect to see 100% of the proceeds for each unit paid to them until the loan has been repaid, only after the loan has been paid back would you start to get your cash out of the development.
However, once the project is finished we could arrange an exit loan which would pay back the development finance lender and release cash for you, this finance is usually cheaper than a development loan and allows you to hold out for a better price without it eating too far into your profits.
Call us 24/7: 0800 138 6001
Top 10 Finance Ltd, Rex House 4-12 Regent Street, London, SW1Y 4PE. Tel: 0800 138 6001
Top 10 Finance Ltd is authorised by The Financial Conduct Authority (FCA) no 725234 The FCA Think Carefully before securing debts against your home. Your property could be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. Data Protection Act (1998). Registration No: Z2861884 Company Number 06261373 Top 10 Finance Rex House 4th Floor 4-12 Regent Street London SW1Y 4PE (c) 2007 - 2018 Top 10 Finance. Sitemap - Privacy Policy - Reviews - Contact Top 10 Finance - Bridging Loans - Property Development Finance - Secured Loans - UK Bank Bridging Loans - Blog