Brunel Bridging Ltd

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 ge

t 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.

27/08/2026

⏱️ In specialist property finance, the difference between winning and losing a deal is often one thing: speed.

→ Auction lots often have a 28-day clock
→ Motivated sellers take the buyer who can complete, not the highest bidder

→ Below-market deals exist because someone needs to move fast

⚠️ Where deals slow down:

→ Wrong lender for the deal

→ Valuation booked late

→ Legals starting after the auction clock's running

→ An exit that wasn't thought through, so the lender gets cold feet

💪🏼 A good broker anticipates all of these and places the case with a lender who can deliver on time, then they drive the process so nothing stalls.

💬 You're not just paying for access to lenders. You're paying for the judgement to pick the right one and the experience to get it done.

Got a deal where timing is everything? That's what we're here for. 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.

25/08/2026

⚡ Grab a great buy-to-let at speed now, settle onto a term mortgage later, all as one planned journey. That's bridge-to-let.

➡️ The best BTL deals often need speed a standard mortgage can't match (auction lots, motivated sellers, or properties not yet in lettable condition). A normal BTL is too slow, or won't lend as-is. You risk losing the deal.

→ A bridge lets you buy fast (and do light works to make it lettable if needed)

→ Then refinance onto a term BTL mortgage once it's ready and let

💪🏼 Speed of bridging + security of a term exit lined up from day one. The risk of being stuck on short-term money is designed out from the start.

Chasing a BTL that needs speed? Let's line up the bridge and exit together. 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.

20/08/2026

🏢🏠 Semi-commercial (or mixed-use) is a less travelled path for many investors.

➡️ It just means commercial + residential under one title. The classic is a shop with a flat above but also offices-with-residential, pubs with accommodation, and more.

✅ Investors like it because you get two income streams (commercial + residential) from one building.

→ The commercial element can offer stronger yields and possible stamp duty advantages vs pure residential.
→ There can be less competition, because fewer investors understand the funding.

💰 The finance sits between residential and commercial, so it needs a lender comfortable with both and a broker who knows the niche (like us!).

Looking at a shop-with-a-flat or other mixed-use? 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.

18/08/2026

🏗️ There’s a property development myth we hear regularly: "You can't get development finance for your first project."

➡️ It's harder, yes, but first-time developers can get funded with the right approach.

🔍 Lenders worry about the client not having a track record of completed schemes. So they look harder at everything else.

✅ An experienced team (contractor, architect, project manager) helps reassure a lender you’ve got access to the right knowledge and guidance

→ Picking a scheme you can achieve with little practice is preferable to lenders and it’s likely you’ll need to put in a bit more equity on the first development

💪🏼 Some lenders actively back first-time developers. Many won't. Knowing which is which saves you months. That's our job.

First project on the horizon? Don't assume the door's closed. 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.

13/08/2026

💰 Exciting new deal on the cards but no equity free to make the most of it?

✅ Capital raising via bridging finance could help.

→ A bridge secured against a property you already own
→ Releases trapped equity as usable cash (fast, often in weeks)
→ Use it as the deposit or purchase funds for the next deal
→ Repay from your planned exit (sale, refinance, or other funds due in)

⚠️ It only works with a clear, realistic exit.

Got equity you could put to work? Let's talk.


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.

11/08/2026

🔨 The properties with the most profit in them are often the ones nobody else wants.

➡️ Run-down, no working kitchen or bathroom, needs serious work, a standard mortgage won't touch it. That scares off ordinary buyers, which keeps the price attractive. That's where the profit lives.

✅ Refurbishment finance funds the purchase and the works:

→ For light refurb (cosmetic, new kitchen/bathroom, redecoration) you’ll need a standard bridging loan

→ For heavy refurb (structural, extensions, reconfiguration) you’ll need a staged facility closer to development finance

💰 Then you exit (either sell for the uplift, or refinance onto a BTL/term mortgage once it's habitable and revalued).

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.

06/08/2026

🍺➡️🏠 Pub-to-residential conversions present a great opportunity for developers.

1️⃣ Stock is plentiful with UK pubs closing at a rate of around two per day in the first quarter of this year.

2️⃣ Pubs convert well as they often sit in residential streets and already look residential.

⚠️ But there can be planning challenges. A pub is Sui Generis, so there's no permitted development shortcut to a residential conversion, you’ll need a full planning application for change of use.

➡️ Our advice would be to buy with planning already in place if you can, or price that risk properly.

💰 Pub conversions are “heavy refurbishment”, and build costs can be significantly higher than the day-one value. Most lenders don’t like these schemes but some are happy to support a project (even where build costs exceed 100% of day-one value) with the build cost funds drawn in arrears.

📊 Here’s a worked example of this type of deal: vacant pub with planning for 6 flats. £400k purchase, £500k build costs, £1.35m GDV. Funded at 62% LTV day one, with 100% of build costs covered, over 18 months. (Illustrative project, terms vary by deal.)

✅ We can arrange light and heavy refurbishment finance to residential, commercial and mixed-use.

Spotted a pub with potential? Let's look at the numbers. 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.

04/08/2026

✅ We've recently been awarded a Certificate of Assurance from the NACFB.

➡️ The NACFB is the UK's leading trade body for commercial and specialist finance brokers. It sets and polices standards across the industry.

🔍 The certificate means we've been independently checked against those standards (professional conduct, compliance, and how we treat clients).

💡Specialist finance isn't always as tightly regulated as residential mortgages. So, being part of the NACFB and submitting to their checks and governance is us choosing to be held to a higher bar, and gives you an independent reason to trust the advice.

💪🏼 When you're borrowing serious money on a bridge or development deal, who you place it through matters as much as the rate.

Planning a project? Work with a broker you can trust with the detail. 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.

30/07/2026

🏢 Own four or more mortgaged buy-to-lets? You're a portfolio landlord and lenders must assess your entire portfolio, not just the new purchase.

📋 Practically speaking that means a full portfolio schedule required (every property, mortgage, rent), stress-tests on aggregate coverage and your overall LTV and debt profile assessed. Helpfully, a strong portfolio can support a weaker individual property
⚠️ Not all lenders apply portfolio rules the same way. Some are far more comfortable with complexity than others.

✅ We arrange finance for portfolio landlords regularly and we know which lenders will look at your full picture sensibly rather than applying a rigid formula.

💪🏼 Growing your portfolio? Let's present the application properly.


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.

28/07/2026

🔨 If you're buying at auction without finance arranged, you're not ready to bid.

❗Win without finance in place and you’ll often have around 28 days to complete or you lose your 10% deposit.

✅ Before the auction you need; a ‘Decision in Principle’ from a specialist lender, confirmation they can deliver within 28 days, a solicitor already briefed on auction timescales and a clear exit plan (sale, BTL remortgage).

Auction coming up soon? Call us before you bid.

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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