Bridging Trends Q1 2025 – Market stability
The UK bridging finance market has shown significant stability and adaptability in the first quarter of 2025, according to the latest Bridging Trends data. Despite navigating evolving market dynamics, the sector has maintained consistent strong lending figures while substantially increasing operational efficiency.
Here are the key takeaways from the report that you should be aware of:
Faster completion times: Q1 2025 recorded the fastest processing time in Bridging Trends’ history since its launch in 2015. The average time it takes to finalise a bridging loan decreased significantly by 7 days from 39 days to 32 days which is nearly half of the 58-day average seen in early 2024. This means you have quicker access to funds to take advantage of opportunities as they come.
Market stability: The total amount of gross lending this quarter remained relatively stable, reinforcing the resilience and adaptability of the market. This means that funding is consistently available for your bridging finance needs.
Investment purchases on the rise: Another noteworthy achievement is the significant shift in borrower behaviour, with investment purchases rising from 13% of all bridging loans in Q4 2024 to 23% in Q1 2025, making investments the dominant use of bridging finance in Q1 2025. More borrowers are using bridging loans to purchase investment properties which makes it a viable financing tool for those looking to expand their portfolio.
How MT Finance can help
As the bridging finance market continues to evolve, MT Finance is positioned to meet the needs of the market. We offer a range of bridging loan options, including those specifically tailored for investment purchases, ensuring you can capitalise on opportunities as they arise.
Benefits of a Commercial Mortgage
Opting for a commercial mortgage offers several distinct advantages for businesses and investors:
- Asset Ownership:Â Owning commercial property can provide long-term stability and security, eliminating the uncertainties of lease agreements and rising rents.
- Capital Growth:Â Commercial properties can appreciate over time, offering a significant return on investment.
- Rental Income:Â For investors, commercial properties provide a steady stream of rental income, which can be a lucrative addition to a portfolio.
- Tax Advantages:Â Businesses may be able to claim tax relief on mortgage interest payments and other associated costs.
- Flexibility:Â Compared to traditional business loans, commercial mortgages often offer longer repayment terms, which can improve cash flow for the borrower.
Specialist Commercial Lending: Navigating Complexity with Expertise
At MT Finance, we believe access to specialist finance should be straightforward, responsive, and tailored to real-world needs. We understand that not all borrower situations fit a rigid mold, which is why we are proud to introduce our new commercial proposition designed with both brokers and borrowers in mind, with a focus on both specialist and standard commercial mortgage solutions.
For cases with complex scenarios, we will be bringing a specialist lending focus with a tailored approach that covers a wide range of sectors, from standard retail and office spaces to more niche specialist sectors. For more conventional cases, we offer high loan-to-value options capped at a maximum loan size of ÂŁ2,500,000 (excluding capitalised product fees).
Our ICR stress testing from 125% for both company and individual borrowers ensures responsible and robust lending decisions with accessibility for new entrants as first-time buyers/landlords are considered, with expat considerations for expats residing in EEA or FATF member countries.
Commercial Mortgages Built Around You – The MT Finance Advantage
The overarching philosophy of MT Finance’s commercial division is to be responsive and supportive throughout the entire lending journey.
- Committed:Â Dedicated to finding solutions and supporting borrowers and brokers through every stage.
- Collaborative:Â Working closely with clients and their brokers to understand unique needs and tailor solutions.
- Concise:Â Streamlining processes for efficiency and clear communication.
- Constructive:Â Focusing on building viable pathways to finance, even for challenging cases.
- Comprehensive:Â Offering a wide array of products to cover diverse commercial property scenarios.
- Convenient:Â Making the application and approval process as straightforward as possible.
If you’re looking for a simple and hands-on approach to your cases, we are here to help -clearly, efficiently, and without unnecessary complexity.
Get in touch:
If you’d like to find out more about how we can support you, we can help. You can drop us a line via our quick enquiry online form or email us at enquiries@mt-finance.com.
Bridging Trends combines bridging loan completions from several specialist finance packagers operating within the UK bridging market: AFIG, Brightstar Financial, Capital B, Clever Lending, Clifton Private Finance, Complete FS, Enness, Impact Specialist Finance, LDNfinance, Optimum Commercial, Sirius Group, and UK Property Finance. The data for top broker criteria searches is supplied by Knowledge Bank.
