𝐆𝐞𝐭 𝐘𝐨𝐮𝐫 𝐃𝐮𝐜𝐤𝐬 𝐢𝐧 𝐚 𝐑𝐨𝐰: 𝐓𝐡𝐞 𝐂𝐨𝐦𝐩𝐥𝐞𝐭𝐞 𝐂𝐡𝐞𝐜𝐤𝐥𝐢𝐬𝐭 𝐟𝐨𝐫 𝐚 𝐒𝐦𝐨𝐨𝐭𝐡 𝐁𝐫𝐢𝐝𝐠𝐢𝐧𝐠 𝐋𝐨𝐚𝐧 𝐀𝐩𝐩𝐥𝐢𝐜𝐚𝐭𝐢𝐨𝐧! Bridging finance can move incredibly fast, but only when your application is complete, accurate, and ready for underwriting. What grinds my gears is that most delays happen because key documents are not being provided by my clients or key info is missing or not aligned. To help borrowers avoid those pitfalls, I have put together a clear, practical checklist to get your bridging application approved as quickly as possible. If you’re exploring business or property and debt finance options, feel free to drop me an email at sanjay@finances.house or book in a call at https://lnkd.in/eHeW6T7G! I partner with over 250 lenders so am confident that a solution to address your funding requirements can be found! 𝐁𝐫𝐢𝐝𝐠𝐢𝐧𝐠 𝐟𝐢𝐧𝐚𝐧𝐜𝐞 𝐝𝐨𝐞𝐬𝐧’𝐭 𝐧𝐞𝐞𝐝 𝐭𝐨 𝐛𝐞 𝐬𝐭𝐫𝐞𝐬𝐬𝐟𝐮𝐥. 𝐏𝐫𝐞𝐩𝐚𝐫𝐚𝐭𝐢𝐨𝐧 𝐢𝐬 𝐞𝐯𝐞𝐫𝐲𝐭𝐡𝐢𝐧𝐠! If you’re exploring business or property and debt finance options, feel free to drop me an email at sanjay@finances.house or book in a call at https://lnkd.in/eHeW6T7G! I partner with over 250 lenders so am confident that a solution to address your funding requirements can be found! 𝟏. 𝐒𝐭𝐚𝐫𝐭 𝐒𝐭𝐫𝐨𝐧𝐠: 𝐏𝐫𝐞𝐩𝐚𝐫𝐞 𝐘𝐨𝐮𝐫 𝐂𝐨𝐫𝐞 𝐈𝐧𝐟𝐨𝐫𝐦𝐚𝐭𝐢𝐨𝐧: Before you begin the application, make sure you have the below. I usually grab this in any initial fact find meetings: ✔Full details of all borrowers or directors ✔Your solicitor’s contact information ✔The loan purpose and required timescales ✔Security property details including valuation or purchase price ✔Any planned works, costs, and timelines, preferably a schedule of works and build work quotations from reputable contractors ✔Planning Permission and notice numbers from the planning authority ✔A clear exit strategy such as sale or refinance. If it is sale, I will ask my client to get reports from local estate agents on the estimated GDV. If it is refinance, I will produce a decision in principle from another lender. 𝟐. 𝐄𝐬𝐬𝐞𝐧𝐭𝐢𝐚𝐥 𝐃𝐨𝐜𝐮𝐦𝐞𝐧𝐭𝐬 𝐄𝐯𝐞𝐫𝐲 𝐋𝐞𝐧𝐝𝐞𝐫 𝐄𝐱𝐩𝐞𝐜𝐭𝐬: From experience, if any of these are missing or incorrect, this will delay the application! ✔Completed application form ✔Company structure form if using a limited company ✔Valuation report or AVM valid for 3 months ✔Proof of income for serviced bridges ✔Direct Debit Mandate ✔Source of deposit letter ✔EPC for let properties ✔Buildings insurance schedule ✔Land Registry title documents ✔Redemption statements for any charges being repaid ✔ID and proof of address, certified if required 𝟑. 𝐘𝐨𝐮𝐫 𝐄𝐱𝐢𝐭 𝐒𝐭𝐫𝐚𝐭𝐞𝐠𝐲 𝐈𝐬 𝐂𝐫𝐢𝐭𝐢𝐜𝐚𝐥: Every lender will ask how will you repay the bridge? Make sure you can evidence your exit with the below as a strong exit leads to faster approval. Sale comparable data Refinance illustrations Details of planned works Broker support where needed 4. 𝐊𝐞𝐞𝐩 𝐘𝐨𝐮𝐫 𝐒𝐨𝐥𝐢𝐜𝐢𝐭𝐨𝐫 𝐄𝐧𝐠𝐚𝐠𝐞𝐝 𝐄𝐚𝐫𝐥𝐲: One of the biggest causes of delays is slow legal work. Make sure your solicitor has experience of completing bridge transactions Is aware of the bridging timeline Has capacity to act quickly Has experience with bridging transactions 𝟓. 𝐅𝐢𝐧𝐚𝐥 𝐏𝐫𝐞‑𝐒𝐮𝐛𝐦𝐢𝐬𝐬𝐢𝐨𝐧 𝐂𝐡𝐞𝐜𝐤𝐥𝐢𝐬𝐭: Before your broker submits your case, I would always recommend that the applicant / borrower gets confirmation that the below have been given the green light by the lender! ✔ All forms completed and signed ✔ All documents included and in date ✔ Valuation booked or ready to book ✔ Deposit source evidenced ✔ Solicitor instructed ✔ Insurance ready for completion

Posted by Sanjay Majithia at 2026-03-20 13:00:27 UTC