Bridging Loan Criteria
Bridging loan qualification criteria
What do you need to qualify for bridging finance?
Our goal is to make short-term property funding straightforward, but like any financial product, there are still boxes that need ticking. This page outlines the key bridging loan criteria, so you know exactly what to expect before you apply.
Understanding the bridging loan requirements helps speed up your application and gives you the best chance of securing the deal you need, without surprises along the way.
What is the criteria for a bridging loan?
Typical bridging qualifying criteria
| Criteria Factor | Typical Requirement |
|---|---|
|
Minimum loan amount: |
£150,000 |
|
Term: |
1–24 months |
|
Location: |
England, Wales, Scotland (in some cases) |
|
Security Type: |
Residential, commercial, land, or mixed-use |
|
Age: |
18+ (some lenders require 21+) |
|
Residency: |
UK residents preferred; some offshore options may be available |
|
Exit Strategy: |
Must be clearly defined and realistic |
For an initial assessment of your enquiry, all we need initially is:
What lenders look for
Different lenders apply different bridging loans criteria, depending on their risk appetite and funding model. Some will be more flexible with credit history, while others focus heavily on the asset and exit.
We work across a panel of specialist lenders and private funders, meaning we can match your scenario with the right underwriting approach.
If you’re unsure whether you meet the bridging loan lending criteria, our team is happy to review your case and advise on your best options.
Documents you'll need
To move forward, you’ll typically need:
- Proof of ID and address
- Details of the security property (valuation or marketing info)
- Company accounts (if borrowing through a business)
- Details of your exit strategy (e.g., mortgage DIP, sale listing, etc.)
- Asset and liability summary
- Bank statements (where relevant)
Meeting the bridging loan requirements early in the process makes everything faster, cleaner, and more likely to fund on time.
Bridging loans are commonly used for:
Key features of our bridging loans
Want to know more about bridging loans?
Why work with Envelop Finance?
- Clear guidance on bridging loan lending criteria
- Access to flexible lenders who assess each case on its own merit
- No time-wasting, just straight answers
- Full support from enquiry to completion
