What documents are needed for bridging finance?
Bridging finance documents usually include proof of identity, proof of address, property details, valuation access, purchase or refinance information, exit route evidence, bank statements, source of funds and company documents if borrowing through a company.
ID and address documents
Proof of identity such as a passport or driving license is typically required. Proof of address such as a utility bill or bank statement may also be needed for AML and know-your-customer checks.
Property and title information
Property details, location, type and any known issues should be provided. Title documents such as a Title Register or property details form help identify the property and any encumbrances.
Purchase contract or mortgage statement
For a purchase, a signed contract or exchange details are needed. For refinance, a mortgage statement showing the current lender, loan balance and any early repayment penalties is required.
Valuation access
The lender will typically arrange a professional valuation. Access to the property must be arranged for the valuer. Vacant property or access restrictions may affect lending.
Exit route evidence
The exit route must be documented with supporting evidence. This may include offers on existing property (sale), agreement in principle for refinance, or planning and costs for development.
Company and SPV documents
If borrowing through a company or special purpose vehicle, incorporation documents, shareholder details, director information and accounts are typically required.
Adverse credit explanation if relevant
If there is any adverse credit history, explanation letters may be needed. Lenders assess the nature and recency of any issues when considering lending.
FREQUENTLY ASKED
Frequently asked questions
Often yes, especially for source of funds, serviced interest or borrower checks.
Yes. Lenders need to understand how the loan will be repaid.
Yes. Company borrowers may need incorporation documents, shareholder details and director information.
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Results are indicative and depend on lender criteria, valuation, security, credit profile, exit route and full underwriting.
Results are indicative and depend on lender criteria, valuation, security, credit profile, exit route and full underwriting. Commercial finance may be unregulated. Some property finance can be regulated depending on borrower, property use and loan purpose.