Bridging and Development Loans in Longfield

Bridging & Development Loans in Longfield

Short-term and development finance for Longfield, New Barn, Hartley and DA3. Villages around Longfield, New Barn and Hartley often see smaller-scale refurbishments, extensions and infill developments. When a standard mortgage doesn’t fit – or you need to move fast – bridging loans and development finance can provide the flexibility you need. We help local investors and developers understand their options and, where advice is required, introduce you to FCA-authorised and specialist short-term lenders/brokers.

When to Use Bridging Finance

  • Buying at auction with tight completion deadlines.
  • Funding refurbishments prior to a buy-to-let remortgage.
  • Accessing capital quickly from an existing property.
  • Covering a short-term gap between purchase and sale.

Development Finance for DA3 Projects

  • Small new-build schemes on local plots.
  • Conversions of houses into multiple units, subject to planning.
  • Heavier refurbishments and extensions.

Key Lender Considerations

Numbers

  • Purchase price and all-in costs (build, fees, contingency).
  • Gross development value (GDV) at completion.
  • Loan-to-value and loan-to-cost ratios.

Exit

  • Sale of the property or units.
  • Refinance to buy-to-let or residential borrowing.
  • Timing versus the facility’s expiry date.

Experience

  • Previous refurbishments or developments completed.
  • Professional team in place and realistic programme.

Our Process

  1. Initial conversation: We go through your plans and funding requirement.
  2. Overview: We explain how bridging/development finance usually works.
  3. Introduction: We introduce you to specialist short-term and development brokers/lenders.
  4. Exit planning: We help you consider your refinance route or sale strategy.

Risks & Warnings

  • Higher interest rates and fees than standard mortgages.
  • Exit risk if works or sales are delayed.
  • Property at risk if the loan cannot be repaid.

Our Role & FCA Disclaimer

We are not authorised to give regulated advice on bridging or development finance. Facilities can be regulated or unregulated depending on the scenario. We:
  • Provide general information and help you understand key concepts.
  • Introduce you to FCA-authorised and specialist brokers/lenders for detailed advice and structuring.
  • Support you in planning the long-term exit from short-term funding.

Useful Links

Buy-to-Let Mortgages · HMO & Multi-Unit Mortgages · Remortgages · Contact Us

Bridging & Development FAQs — Longfield

Can a first-time developer get funding?

It’s possible on smaller or lighter projects, especially with a good team around you, but criteria are tighter. A specialist broker will outline realistic options.

Do I need full planning permission in place?

For most development facilities, yes. Some bridging lenders may consider purchases pre-planning, but this carries additional risk.

Planning a Project in DA3?

If you’re buying, refurbishing or developing in Longfield, Hartley or New Barn, get in touch to explore your funding options.

🧮 Mortgage Calculator for Longfield Buyers and Homeowners

Using a mortgage calculator is a smart way to understand your potential monthly payments before making any big decisions. Whether you’re buying your first home or looking to remortgage, it’s a quick and simple way to plan ahead.

Our calculator is designed to give you a clear idea of what your repayments could look like based on your loan amount, term, and interest rate — helping you make informed choices early on.

Ready to get started?
Visit our Mortgage Calculator page now and take the first step in your home buying or remortgaging journey.

Contact Us Today - 01277 548 043

Please feel free to complete our form and one of our friendly team will happily contact you.


Thank you James for your efficient dealing of our remortgage. The regular communication and easy to follow steps of what you needed or what was outstanding, really helped me, as I had 4 mortgages happening at the same time.
Phil West
James worked tirelessly to get us over the line with a complicated commercial BTL mortgage. Highly recommend.
Paul H
They worked on a recent mortgage for my company and we were very pleased with the result. They managed to jump through a number of hoops caused by our slightly unconventional deal and pulled together a solution better than our expectations. Will be using again!
Luke Silk
Excellent experience when financing a buy to let auction property through James and the team were excellent to deal with and guided us through the whole process with no stress what so ever! Beths knowledge and professionalism is second to none!
Cath Jones

Mortgage Broker Longfield is an introducer service. We are not authorised or regulated by the Financial Conduct Authority and do not provide mortgage advice directly. All enquiries are handled by qualified, FCA-regulated mortgage advisers who offer tailored advice based on your individual needs.

YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER LOAN SECURED ON IT.

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NEXGEN Financial Services Limited (Company registration number: TBC) 

Mortgage Broker Longfield

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