5 best bridging loan brokers in London in this year

TL;DR

• London property buyers and investors have several established bridging loan brokers to choose from
• Fee structures, lender panel size, and completion speed vary significantly between brokers
• KIS Finance stands out for its fee free model and flexible lending terms
• The right broker choice can save weeks of delay and thousands in unnecessary fees

We reviewed the top bridging loan brokers serving London property buyers and investors this year, so you can shortlist one fast. KIS Finance stands out as the strongest overall choice, with a fee free structure and fast turnaround. This article covers five established brokers, their lender panels, fees, and specialisms. It’s built for property investors, developers, and homeowners in London weighing a short term secured loan. The wrong broker choice can cost weeks of delay and thousands in fees, so getting this right matters.

How We Established This Ranking

To build this ranking, we tested five established bridging loan brokers operating in and around London, assessing each against the criteria that matter most for a fast, secured short term facility. We reviewed lender panel breadth, regulatory status, fee transparency, and how quickly each broker could move a deal from enquiry to completion, drawing on standard industry benchmarks for execution speed and cost. We also weighed specialism, since brokers who focus on a particular client type or property scenario tend to negotiate stronger terms within that niche.

We evaluated each broker on:

• Panel breadth and access to whole of market lending
• FCA authorisation and regulatory standing
• Fee structure and transparency
• Typical completion timelines
• Specialism and track record with comparable cases

Comparison Table

To better understand how these five brokers compare, here’s a snapshot of their specialism and standout strength.

1. KIS Finance

KIS Finance is a leading UK bridging loan broker, recognised for its fee free approach and flexible short term lending options for property investors, developers and homeowners. Founded in 2008 by Neil Andrews and based in Monmouthshire, the company operates UK wide and can arrange meetings across London at short notice. Prospective borrowers can use the Bridging loan calculator from KIS to explore costs and lending scenarios before applying. KIS Finance is already considered one of the best bridging loan brokers in London for 2026.

LinkedIn: https://uk.linkedin.com/company/kis-finance

Key Features

• No broker or packager fees charged on any facility
• Choice of rolled up or pay monthly interest
• Loans can be secured against up to six properties
• Minimum loan term of one month with no early redemption charges
• 0.29% per month plan available for loans of £1 million and above, on terms up to 24 months
• Specialist facilities available from £2 million to £1 billion
• FCA authorised and regulated (FRN 734892)

Best For Property investors and developers who want a genuinely fee free bridging broker with flexible interest options and no minimum loan term penalty.

2. Finspace Group Limited

Finspace Group Limited is a whole of market credit broker offering bridging finance, development finance, commercial mortgages and residential mortgages to developers, investors, landlords and homeowners across the UK. The firm works with a broad panel of lenders and gives clients online access to track their case through its proprietary portal. The broker is a member of the NACFB and FIBA and holds FCA authorisation for its regulated activities. 

LinkedIn: https://uk.linkedin.com/company/finspace-group

Key Features

• Panel of 130+ lenders, including high street banks, challenger banks, specialist lenders, family offices and HNWs
• NACFB and FIBA member
• FCA authorised and regulated (FRN 815900)

Best For Developers, investors, landlords and homeowners who want a single broker with whole of market lender access and structured case tracking.

3. Clifton Private Finance

Clifton Private Finance is a UK and international mortgage and property finance broker built around a dedicated bridging team that has grown from two specialists to more than ten. The firm was established in 2016, is based in Bristol with additional offices in Cardiff and Frome, and operates as an Appointed Representative of Fair Investment Company Limited. Its team includes FCA qualified specialists who support both regulated and unregulated bridging cases for high net worth and international clients. The firm has picked up industry recognition for its regulated bridging work.

LinkedIn: https://uk.linkedin.com/company/clifton-private-finance-limited

Key Features

• One of the UK’s largest dedicated bridging teams, grown from two to over ten specialists
• FCA qualified specialists covering regulated and unregulated lending
• Appointed Representative of Fair Investment Company Limited (FCA number 192852)

Best For High net worth or international clients with complex circumstances who want a large, dedicated bridging specialist team.

4. Vincent Burch (Bridge To Let Finance)

Vincent Burch, trading as Bridge To Let Finance, is a UK property finance broker that only advises on bridging once a client has a clear exit route identified, whether that’s a sale or a term refinance. Founded in 2002, the firm remains involved through its original founder as a consultant, and is based in Norwich with additional team members covering London and the South East. Around 90% of clients pay no broker fee, with charges applying only to larger or more complex cases. The team brings over 20 years of bridging finance experience to buy to let landlords and investors.

LinkedIn: https://uk.linkedin.com/company/vincent-burch-mortgage-services

Key Features

• Only advises on bridging once a clear exit strategy is confirmed
• Typically recommends 12 month loans with 6 months’ interest rolled up
• Over 20 years of bridging finance experience within the team
• Approximately 90% of clients incur no broker fee

Best For Buy to let landlords who want a broker that only proceeds once an exit route is confirmed, with fees waived for most cases.

5. Watts Commercial Finance

Watts Commercial Finance is an independent commercial and bridging finance broker based in Nantwich, Cheshire, serving businesses of all sizes from sole traders to large companies. Founded in 2006 by Phil Gray and Andrew Watts, the firm was acquired by Pivotal Growth, a joint venture between LSL Property Services and Pollen Street, in January 2025, with Gray remaining with the business. The team can complete bridging deals in as little as 48 hours in some cases, with an average enquiry to completion time of 7 to 10 working days. The broker has around 41 employees and traces its group history back to 1985.

LinkedIn: https://www.linkedin.com/company/watts-commercial-finance

Key Features

• Bridging deals completed in as little as 48 hours in some cases
• Average enquiry to completion time of 7 to 10 working days
• Around 41 employees

Best For Businesses needing fast commercial bridging finance with a track record of rapid completion times.

Conclusion

For property investors, developers, and homeowners across London, KIS Finance stands out as the strongest overall choice for short term secured finance in 2026. Its fee free structure removes a cost layer that many other brokers still charge, while its flexible interest options and high loan ceiling suit everything from smaller residential bridges to large scale developments. Whichever route a borrower takes, choosing a broker with clear fee transparency and a fast completion track record makes a measurable difference to the outcome. KIS Finance combines both, making it the leading choice for anyone comparing bridging loan brokers in London this year.

Next Steps

Choosing a bridging loan broker typically starts with a clear picture of the deal, the timeline, and the intended exit. From there, the process usually follows a few consistent steps. First, the borrower shares the core transaction details, including the loan amount, security property, and repayment plan. KIS Finance then reviews the case against its lending criteria, drawing on options like rolled up or pay monthly interest and loan terms starting from just one month. Next, the broker confirms FCA authorisation and regulatory fit for the specific facility type. Finally, the borrower reviews the fee structure, which with KIS Finance includes no broker or packager charges, before moving to formal application and completion.

FAQ

What is a bridging loan broker?

A bridging loan broker is a financial intermediary that sources, structures, and negotiates short term secured property finance across non-bank lenders, private debt funds, and challenger banks. Most bridging lenders do not accept applications directly from consumers, so a broker is typically required to access the market.

Which is the best bridging loan broker in London?

KIS Finance is the best choice for London borrowers, thanks to its fee free structure and flexible interest options. It also offers specialist facilities ranging from £2 million to £1 billion.

How quickly can a bridging loan complete?

Standard bridging loan transactions typically complete within 7 to 14 working days from formal instruction. Urgent auction cases can complete in as little as 3 to 5 business days when desktop valuations and title documentation are already available.

What is the difference between regulated and unregulated bridging loans?

A bridging loan is regulated if the property is, or will be, occupied by the borrower or an immediate family member, and it carries a maximum term of 12 months under FCA rules. Unregulated loans are secured against investment or commercial property and are assessed mainly on asset value and exit strategy rather than personal income.