Bridging Loans - Elite Property Services

Bridging Loans with EPS Manchester

Your Trusted Partner in Property & Mortgages - Right Here in Manchester

Short-Term Finance to Help You Move Forward

A bridging loan is a short-term finance solution designed to “bridge” the gap between needing funds now and receiving funds later. At EPS Manchester, we specialise in helping you unlock fast, flexible finance when you need it most. Whether you're buying before selling, funding a renovation or working to a tight deadline, our bridging loan solutions are built around your needs.

As an independent adviser, we provide expert guidance and access to a wide network of specialist lenders. With us you’ll get:

01Straightforward, personal advice tailored to your goals

02Access to lenders experienced in complex, urgent, or non-standard cases

03 Support throughout the process - from enquiry to completion

04Flexible lending options including regulated/unregulated loans, first/second charges, and bespoke repayment terms

Common reasons for taking out a Bridging Loan

When Is Bridging Finance Suitable?

Moving Property

Finance to secure a new property before selling your current

Urgency

Requiring funds within a set time frame such as at an auction

Alternative

To undertake a refurbishment or development that doesn’t yet qualify for a standard mortgage

Short Term Finance

To raise short-term finance for personal reasons

Business

Requiring short-term capital for business reasons

Investors

Requiring cash to take up a business opportunity

Short-Term Finance, Tailored Support

Bridging Loans Made Simple

Specialist Bridging Advice

Whether you're buying before selling, renovating or purchasing at auction - we’ll guide you through every step with clarity and confidence.

Independent & Whole-of-Market

We compare bridging options from 100+ lenders, including those who deal with complex or urgent cases to provide flexibility & faster solutions.

Fast, Flexible Funding

Need to move quickly? We can often arrange decisions in principle within hours, with loan terms from 1-24 months & different repayment options.

Trusted, FCA-Authorised Team

With a local Manchester base and 15+ years of experience, we’re ready to help online, by phone or in person - even on weekends.

For enquiries, advice or to get started

Talk To Us

If you’re considering bridging finance, get in touch for an initial conversation. We’ll talk through your situation, explain your options and we can discuss whether it’s the right fit.

Frequently Asked Questions

Bridging Loan FAQs

Is a bridging loan right for me - and is it safe?

Bridging loans can be a practical solution if you need funds quickly or have a time-sensitive opportunity, but they aren’t suitable for everyone. At EPS Manchester, we take time to fully understand your goals and make sure a bridging loan is appropriate for your situation, with a clear and realistic repayment plan in place. We’ll also walk you through the risks and responsibilities, so you can make an informed decision.
What exactly is a bridging loan and how does it work?

A bridging loan is a short-term finance option designed to “bridge” a gap - usually between the purchase of a new property and the sale of an existing one, or while waiting for longer-term finance to be arranged. It’s typically secured against property and repaid within 1 to 24 months, often through a sale or refinancing. Bridging loans can be useful for purchases at auction, renovations or accessing funds quickly.
How quickly can I get a bridging loan?

Timescales can vary depending on your circumstances, but we can often arrange bridging finance in a matter of days - particularly if you have paperwork ready and a clear exit strategy. At EPS Manchester, we aim to respond to all enquiries promptly and can usually arrange an appointment within 2 hours.
Do I need good credit to get a bridging loan?

Not necessarily. Bridging lenders tend to be more flexible than high street banks, especially if the loan is secured against a property with sufficient value and there’s a solid repayment plan. We work with a wide panel of lenders - including those open to cases involving adverse credit, complex income, or unusual property types.
Why should I choose EPS Manchester over another provider?

We’re independent, whole-of-market advisers with over 15 years of experience and a reputation for handling even the most complex cases. You’ll get clear, honest advice tailored to your needs. We’re based locally in Trafford Park, offer flexible appointments in person or online remotely (including weekends), and support you through the entire process with transparency and care.
What’s an “exit strategy” and why is it so important?

An exit strategy is your plan for repaying the bridging loan - usually by selling a property, refinancing with a longer-term mortgage, or using funds from a business or investment. It’s one of the most important parts of arranging bridging finance, because lenders need to see a clear and realistic repayment plan. At EPS Manchester, we’ll help you map out a solid exit strategy that gives both you and the lender confidence that the loan can be repaid on time.

Talk To Our Experts

Get Started

Fast, Friendly, and Local

About EPS Manchester

With over 15 years of experience in financial services, EPS Manchester is committed to delivering clear, reliable advice - even in the most complex cases. Based in Trafford Park, we offer appointments six days a week, working flexibly around your schedule. Our goal is to make the process as smooth and stress-free as possible, providing personalised support from your first enquiry to completion. EPS Manchester Ltd is an appointed representative of Connect IFA Ltd, which is authorised and regulated by the Financial Conduct Authority. Bridging finance is a specialist area - we’re here to guide you through it with straightforward, honest advice that you can trust.

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Your Local Property Experts. Personal Mortgage Advisors.

Bridging Loans with EPS Manchester

Short-Term Finance to Help You Move Forward

When Is Bridging Finance Suitable?

Moving Property

Urgency

Alternative

Short Term Finance

Business

Investors

Bridging Loans Made Simple

Talk To Us

Bridging Loan FAQs

Talk To Our Experts

About EPS Manchester

All Services

Contact Us