Black & White Bridging
Specialist LenderBlack & White Bridging is a London-based short-term lending specialist that prides itself on simplicity and transparency. The lender offers bridging loans with clear, straightforward terms and no hidden fees, catering to property investors who value certainty in their financing.
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About Black & White Bridging
Black & White Bridging was founded on the principle that short-term property finance should be exactly what its name suggests — black and white. The lender eliminates ambiguity from the bridging process by offering clear pricing, straightforward terms, and transparent communication at every stage.
The firm provides first-charge bridging loans for property purchase, auction completion, refinance, and capital raise scenarios. Security types include standard residential, HMOs, semi-commercial, and commercial properties across England and Wales. Black & White Bridging focuses on deals where the exit strategy is clear and the security is sound.
The lender operates exclusively through intermediaries and has earned a strong reputation among brokers for reliability and consistency. Black & White Bridging uses a combination of private and institutional funding to maintain both competitive pricing and lending flexibility.
Lending Focus
Black & White Bridging offers mortgage products across 3 categories including Commercial, Bridging, Limited Company.
Key Features
- Transparent pricing with no hidden fees or charges
- Clear terms designed for simplicity and certainty
- First-charge bridging on residential, semi-commercial, and commercial assets
- Suitable for purchase, auction, refinance, and capital raise
- Dedicated case handler assigned from initial enquiry
Pros & Cons
Pros
- Fully transparent fee structure — no surprises at completion
- Consistent and reliable service valued by intermediaries
- Simple, straightforward bridging products that are easy to understand
- Quick decision-making with clear yes/no answers upfront
Cons
- –Broker-only — no direct-to-consumer channel
- –Bridging only — no development or term lending products
- –Does not lend in Scotland or Northern Ireland
Fees & Charges
- Arrangement Fee
- Typically 2% of the loan amount
- Valuation Fee
- Varies by property value — quoted at application
- Early Repayment Charge
- No ERC — can repay at any time without penalty
- Overpayment Allowance
- No restrictions — full early repayment permitted
Mortgage Rates
Rate data coming soon. View rates on Black & White Bridging
Application Process
- Processing Time
- 2–3 weeks from application to completion
- Online DIP
- No — via broker or branch
- Offer Valid For
- 6 weeks
Lending Criteria
- Maximum LTV
- 75%
Frequently Asked Questions
Why is Black & White Bridging called that?
What types of property does Black & White Bridging lend against?
Does Black & White Bridging offer regulated bridging?
What is the typical completion timeline?
How to Apply
Broker only. Black & White Bridging products are available through mortgage brokers. Find a broker with Black & White Bridging on their panel.
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Important: Your home may be repossessed if you do not keep up repayments on your mortgage. Information on this page is for general guidance only and does not constitute financial advice. Always verify lender details directly and seek independent advice before making financial decisions.