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.
Key takeaways:
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 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 clients 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 clients looking to expand their portfolio.
How we 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 your clients can capitalise on opportunities as they arise.
Get in touch
If you’d like to find out more about how we can support your client, we can help. You can submit a case enquiry online, via this form, email us at enquiries@mt-finance.com, or speak directly with your BDM.
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.