Brunel Bridging Ltd

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Brunel Bridging Ltd Competitive, fast, flexible and dependable specialist finance - made simple

Our trusted, award winning team has been sourcing bridging loans, mortgages and specialist finance for many years and are equipped with the experience and tools to help you bring your project to life. Whether you’re looking to purchase at auction, you’re a developer planning funding for their next project, or a business owner buying new premises, we can help you find fast, flexible financing to get your projects moving. From bespoke bridging loans and commercial mortgages to development finance, we’ve helped a wide range of investors and property developers in Bristol and the surrounding area to secure the funds to seize opportunity, maximise returns and scale in order to make them as successful as possible. At Brunel Bridging we dive deep to really understand your property financing needs, before carefully selecting lenders from the whole market to get you the finance you need and give your projects the green light.

27/10/2026

🏠 Two valuers can look at the same property and give wildly different numbers depending on the type of valuation you can get.

→ A bricks-and-mortar valuation values the property as a building (roughly what it’d sell for to an owner-occupier, based on comparable houses nearby).

→ COMMERCIAL valuations value properties on the income they produce (the rent). For a well-run HMO or multi-unit block, that income-based figure can be significantly higher.

📈It can make a big difference to property investors. For example, if you’ve converted a house into a 6-bed HMO and you’re refinancing onto a term deal, a bricks-and-mortar valuation might mean you barely clear your costs. A commercial valuation, reflecting the rent, is likely to be much higher so you can borrow more and recycle more of your original cash to go again.

❗Not every property or lender supports a commercial valuation. Knowing which lenders value on income is where we add value.

Converting or refinancing an HMO? Let’s make sure you’re getting the valuation that recycles the most cash. Talk to us.
YOUR HOME/PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. A fee may be payable if we progress your application.

22/10/2026

🏛️ A recent deal that shows what we do when a purchase gets complicated.
➡️ Our client won a substantial Grade II listed former commercial building at auction to convert into two houses. We secured a £1m bridging facility and the client had funds for the rest.

⚠️ Mid-way through the deal, the additional security the buyer offered proved unsuitable to the lender threatening the whole structure. Then legal delays piled on, largely lender-side.

✅ Simon took ownership of the situation from start to finish. He restructured the deal and kept buyer, lender, solicitors and auction house all talking.

🎯 The £1m facility completed so the client could press ahead with their plans.

YOUR HOME/PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. A fee may be payable if we progress your application.

20/10/2026

📅 Run a short-term or holiday let? Important changes ahead!

➡️ England's new register for short-term lets is coming. It’ll be mandatory, mostly online and likely to be up and running by March 2027. Every property let to paying guests short-term will need a registration number before it can be advertised.

⚠️ It's separate from the landlord database under the Renters' Rights Act so if you have both long and short lease tenancies, you’ll need to be on both registers.

Got a property and not sure how to model the finance? Come and have a chat.

YOUR HOME/PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. A fee may be payable if we progress your application.

15/10/2026

🗺️ Every property project sits on one of 3 planning routes. Knowing which one yours is on can help decide the finance you need.

“No approval needed”, “prior approval needed” or “full planning application”, are your options. Each comes with it’s own length of turn around and implications. The route decides your timeline, your risk and your funding.

Not sure which route your project's on? Let's work it out — and fund it. Talk to us.

YOUR HOME/PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

A fee may be payable if we progress your application.

13/10/2026

🔑 A new deal that could make your next refurb project achievable.

➡️ 85% of the property value on day one plus 100% of your refurbishment costs funded.

💡 That means less of your own cash in the purchase, and the works covered too. More money available for another deal.

⚠️ Options like this aren’t for every project as there’ll be tighter criteria, but we’ll let you know quickly up front whether it’s one for you.

Got a project stuck on the numbers? Let's take a look. Talk to us.

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS.

A fee may be payable if we progress your application.

08/10/2026

🏗️ Land can be a developer's most profitable project or their most expensive mistake. The biggest factor? Planning permission.

✅ With planning is lower risk as the lender sees a clear path to a valuable scheme and you’ll often get offered better terms.

⚠️ When the land comes without planning the risk is higher but so is the potential reward. It’s more specialist, conservative lending so you’ll see lower LTVs and less favourable terms.

Looking at a plot? Let's structure the right finance for the risk. Talk to us.

YOUR HOME/PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. A fee may be payable if we progress your application.

06/10/2026

🛏️ Serviced accommodation is one of the fastest-growing property investment strategies we're seeing right now.

➡️ Short-term, furnished letting (holiday, contractor and business stays). Done right, the nightly income can beat a standard tenancy (although you’ll need more management and see variable occupancy).

💰 Standard mortgages won't fund a mid-refurb property or a short-let model.

Eyeing an SA project? Let's fund the conversion and plan the exit. Get in touch.


YOUR HOME/PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. A fee may be payable if we progress your application.

02/10/2026

🔨 The properties with the most profit are often the ones nobody else wants… tired, dated, unmortgageable.

❓ You can’t get a standard mortgage on an uninhabitable/mid-refurb property. That scares off buyers and keeps the price lower which is where the profit lives.

✅ Refurbishment finance funds the purchase and the works then you exit: sell for the uplift, or refinance onto a term mortgage once revalued, often recycling most of your cash back out.

Spotted a tired property with potential? Let's fund the turnaround. Talk to us.

YOUR HOME/PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. A fee may be payable if we progress your application.

29/09/2026

💰 Equity locked up in property you own and a new deal that won't wait? Here's how to release the cash fast, without selling.

➡️ Your equity is tied up in bricks, not the bank. Selling is slow and costly. But the new opportunity needs funds now.

✅ Capital raising via bridging:

→ A bridge secured against a property you already own

→ Releases trapped equity as usable cash, often in weeks

→ Use it as the deposit/purchase funds for the next deal

→ Repay from your planned exit (sale, refinance, or funds due in from other projects)

⚠️ Only works with a clear, realistic exit. We size it against your whole position, not just one property sustainable, not a short-term fix that creates a longer-term problem.
Got equity you could put to work? Let's talk. Talk to us.


YOUR HOME/PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. A fee may be payable if we progress your application.

24/09/2026

🏗️ Development finance works completely differently from a normal mortgage.

📊 It's released in stages, not one lump sum. An initial advance for the site, then the rest in 'drawdowns' as the build progresses. A monitoring surveyor signs off each stage before the next is released.

🔍 Lenders assess:

→ Gross development value (what the finished scheme is worth)

→ Build costs against that value

→ Your experience and professional team

→ Your exit (sale or refinance)

✅ You can get development finance for a first project. Harder without a track record, so lenders look closer at the deal, team and your equity, but plenty back a credible first-time developer. Knowing which is our job.

Planning a build, first or fiftieth? Let's structure it. Talk to us.


YOUR HOME/PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. A fee may be payable if we progress your application.

Address

Elm Tree Farm Estate, Sheepway, Portbury
Bristol
BS207TF

Opening Hours

Monday 9am - 5:30pm
Tuesday 9am - 5:30pm
Wednesday 9am - 5:30pm
Thursday 9am - 5:30pm
Friday 9am - 5pm

Telephone

+441275868456

Website

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