Velocity Bridging
Specialist LenderVelocity Bridging is a London-based specialist lender focused on fast bridging finance for property investors and developers. True to its name, the lender prioritises speed of execution, aiming to be one of the fastest bridging providers in the UK market.

About Velocity Bridging
Velocity Bridging is a specialist bridging lender headquartered in London, built around a core proposition of speed. The lender was founded to address the common frustration in bridging finance — that even "fast" lenders can be slow. Velocity Bridging has designed its entire operation around minimising turnaround times, from initial enquiry through to drawdown of funds.
Velocity Bridging offers first charge bridging loans on residential and commercial property across England and Wales. The lender covers purchases, refinances, auction transactions, and light refurbishments. Velocity Bridging uses a streamlined underwriting process with experienced decision-makers who can approve deals rapidly. The lender is particularly well-suited to urgent transactions.
Velocity Bridging operates through broker partners and has built a reputation as one of the fastest-completing bridging lenders in the market. The lender maintains this speed without cutting corners on due diligence, achieving a balance between pace and prudence. Velocity Bridging has grown rapidly through word-of-mouth and broker referrals.
Lending Focus
Velocity Bridging offers mortgage products across 3 categories including Commercial, Bridging, Limited Company.
Key Features
- Built around speed — one of the fastest bridging lenders in the UK
- Streamlined underwriting with rapid decision-making
- First charge bridging on residential and commercial property
- Ideal for urgent transactions including auction purchases
- Speed without cutting corners on due diligence
Pros & Cons
Pros
- Among the fastest-completing bridging lenders in the UK market
- Streamlined process designed from the ground up for speed
- Well-suited to urgent and time-critical transactions
- Maintains due diligence standards despite fast turnaround
Cons
- –Broker-only — no direct access for borrowers
- –Speed focus may mean less flexibility on complex, non-standard deals
- –No development finance or second charge lending
Fees & Charges
- Arrangement Fee
- Typically 2% of the loan amount
- Valuation Fee
- Varies by property value — fast-track valuations arranged
- Early Repayment Charge
- No ERC — exit at any time without penalty
- Overpayment Allowance
- No restrictions — full early repayment permitted
Mortgage Rates
Rate data coming soon. View rates on Velocity Bridging
| Product | Initial Rate | Type | Initial Term | Revert Rate |
|---|---|---|---|---|
| 2 Year Fixed | TBC | Fixed | 24 months | TBC |
| 5 Year Fixed | TBC | Fixed | 60 months | TBC |
| Tracker | TBC | Variable | 24 months | TBC |
Application Process
- Processing Time
- 5–15 working days from application to completion
- Online DIP
- No — via broker or branch
- Offer Valid For
- 4 weeks from date of offer
Lending Criteria
- Maximum LTV
- 75%
Frequently Asked Questions
How fast can Velocity Bridging complete a loan?
Velocity Bridging is designed for speed and can complete bridging loans in as little as 5 to 10 working days for straightforward cases, making it one of the fastest bridging lenders in the UK.
Is Velocity Bridging suitable for auction purchases?
Yes, Velocity Bridging is particularly well-suited to auction purchases. Their focus on speed means they are experienced at meeting tight auction completion deadlines.
Does Velocity Bridging cut corners to achieve fast completions?
No, Velocity Bridging maintains robust due diligence standards. Their speed comes from a streamlined process and experienced decision-makers, not from cutting corners on compliance or risk assessment.
What property types does Velocity Bridging accept?
Velocity Bridging accepts residential and commercial property as security across England and Wales, covering standard residential, offices, retail, and mixed-use buildings.
How to Apply
Broker only. Velocity Bridging products are available through mortgage brokers. Find a broker with Velocity Bridging on their panel.
Similar Lenders
View all lenders| Name | Niches | Type | Max LTV |
|---|---|---|---|
| 4SYTE | Commercial, Bridging, Limited Company | Specialist | 75% |
| Clearwell Capital | Commercial, Bridging, Limited Company | Specialist | 75% |
| Close Brothers Property Finance | Commercial, Bridging, Development+1 | Specialist | 60% |
| Fox Funding | Commercial, Bridging, Development+1 | Specialist | 75% |
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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.




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