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Bridging Finance
Our bridging finance service is for clients who need access to fast, short-term finance secured against a residential, investment or commercial property.
Our relationships with lenders allow us to achieve flexible and competitive rates to fast-track a short-term solution.
What is bridging finance?
Designed to "bridge" a financial gap, bridging finance provides clients with fast access to funding for immediate financial needs, allowing individuals and businesses to seize time-sensitive opportunities or deal with urgent issues.
Bridging finance clients
Bridging loans are typically used by individuals, businesses and developers in scenarios where speed and flexibility are of paramount importance. Purchasing a property within a fixed deadline at auction, securing initial finance for a building that is unsuitable for a standard mortgage, breaking an unmoving chain in a purchase, funding renovations or managing cash flow are all examples of when bridging finance can be utilised.
How does bridging finance work?
The short-term loan acts as a temporary solution until it can be redeemed, either being replaced with a longer-term mortgage or being paid down entirely following the sale of an asset.
Interest is usually paid to the lender on redemption of the loan, rather than being paid monthly like a regular mortgage. This frees up a client’s cashflow and speeds up the process as the underwriter’s focus is shifted away from monthly affordability and onto the quality of the property itself.
Bridging loan criteria
As bridging finance is not designed to be long-term financial solution. Facilities often have higher interest rates and shorter repayment terms that reflect their purpose as a stopgap measure.
Interest is usually charged per month but paid on exit and terms typically range from three to 18 months, although this is not exclusive.
The importance of having an exit strategy
For clients considering bridging finance, lenders will be keen to see that you have a viable exit strategy in place ahead of providing the loan. Typical methods of repayment include refinance, sale of the financed property, sale of another asset or drawing on other business revenue.
Interest is usually paid to the lender on redemption of the loan, rather than being paid monthly like a regular mortgage. This frees up a client’s cashflow and speeds up the process as the underwriter’s focus is shifted away from monthly affordability and onto the quality of the property itself.
Commercial bridging
Short-term commercial finance can help you acquire a commercial property quickly, place a winning bid at auction or act as an interim solution for a property or business that is not yet eligible for a traditional commercial mortgage. It can also provide a temporary fix where a let property doesn’t generate enough rent to meet a long-term lender’s requirements.
To understand more about bridging finance and its criteria, the expert team at Panthera Finance are on hand to help.
Meet our dedicated team
Meet our finance brokers who specialise in bridging loans.
Jason Caprioli
Lending Director
Jason is a partner at Panthera Finance LLP and the company’s principal commercial specialist.
He focuses on securing development debt, long-term finance and equity for residential and commercial projects. With prior experience at major UK banks including Barclays and Coutts, as well as specialist start-ups, Jason excels in finding comprehensive finance solutions.
His close relationships with key lenders & funders and his attention to detail help to facilitate reliable funding decisions early in the process.
Jason is a keen athlete and has completed an Ironman and swum the English Channel. He regularly undertakes challenges to raise funds for both children’s and cancer non-profit organisations.
Tim Kemp
Co-founder
Tim is a co-founding partner of Panthera Finance LLP and the company’s principal.
He has 18 years’ extensive experience advising high and ultra-high net worth clients on high-value mortgages. Trusted by the UK’s top lenders, he connects clients with private banks for a holistic financial approach.
With a background as a financial planning consultant for expats in Singapore and many years as a mortgage broker in London, Tim provides mortgage advice in the context of a clients’ broader financial needs.
Tim enjoys spending time with his wife and son when not working and loves to travel and keep fit. He splits his time between London and Liverpool.
Dan Gracie
Specialist Lending Director
With 18 years’ experience as a mortgage broker, Dan now specialises in complex cases and earned the 2023 British Specialist Lending Award for “Broker: Complex Income.”
He has developed strong relationships with lenders, which he leverages to create bespoke solutions for clients who don’t fit traditional criteria.
Dan handles a diverse range of scenarios, including expats, foreign currency income, overseas work, company owners, high net worth individuals, commercial properties and large property portfolios.
Outside work, Dan can usually be found on the tennis court, experimenting with different cuisines in the kitchen, or being a roadie for his drummer son and dancer daughter.
Andrew Chalton
Private Client Director
A former winner of the British Mortgage Award for “Large Loans,” Andrew is a seasoned structured debt advisor with over a decade of experience delivering bespoke funding solutions for high-net-worth and private clients.
He has cultivated strong relationships with Family Offices and key individuals within private equity and hedge funds. His expertise allows him to craft tailored solutions for clients with non-traditional income streams and diverse asset structures, ensuring their unique financial objectives are met.
Andrew is dedicated to providing exceptional service across time zones, ensuring both domestic and international clients receive the attention they deserve. His extensive network of professionals, including lawyers, tax advisers, buying agents and interior designers, enables him to address all client requirements seamlessly.
In his downtime, Andrew enjoys listening to motivational podcasts, traveling with his fiancée, playing golf, taking long walks with his Golden Retriever and watching his beloved Liverpool FC play at Anfield.
Raju Miah
Associate Director
Raju joined the team at Panthera after gaining 8 years’ experience as a structured finance broker.
He has developed a strong reputation for commercial, development and bridging finance, with notable expertise in identifying and sourcing both debt and equity.
Raju excels at creating customised solutions, carefully structuring options to fit each client’s financial circumstances. His attention to detail and tenacity have enabled him to assist in a diverse range of situations.
In his spare time, Raju enjoys trying new foods, playing football and spending quality time with family, especiallly cherishing fatherhood with his young daughter.
Anthony Farren
Senior Mortgage & Protection Advisor
Since joining Panthera Finance in 2019, Anthony has specialised in residential, buy-to-let, expat mortgages, complex lending, and short-term bridging finance.
He serves a diverse client base, including first-time buyers, home movers, and expats seeking investment opportunities, offering tailored solutions to meet their needs.
As a skilled protection advisor, Anthony also helps clients with life insurance and protection planning, ensuring their financial security and peace of mind.
At home on the golf course and tennis court, he can also be found in the gym. When not there, Anthony loves to spend time with his family & friends, especially in a pub garden on a summer’s day.
Alex Weldon
Associate Director
With 15 years’ experience in the property industry, Alex has extensive knowledge of the London & wider UK housing markets.
Since joining the finance sector in 2018, he has developed lending expertise and built strong lender relationships, achieving exceptional results for a diverse range of clients, including first-time buyers, portfolio landlords and high net worth individuals.
With a degree in engineering & design, Alex is highly analytical and excels in finding solutions for complex scenarios.
Alex is a dedicated father of two young children who enjoys the occasional round of golf while balancing family life.
Our team are here to help
Our professional advisors would be delighted to speak with you and discuss your requirements.
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