Need fast bridging finance in Manchester for a short-term purchase, refinance or refurbishment? Market Financial Solutions provides bridging loans in Manchester for residential and commercial property, supporting time-sensitive deals with a bespoke, case-by-case approach.
Contact Your Local Sales Team
Get in touch
Contact our local Business Development Manager Michelle Lowe or BDE Alex Wright for any enquiries regarding bridging loans in Manchester.

Product Information
- Min. loan amount: 100k
- Max. loan amount: £65m+
- Max. LTV: 75%
- Interest rates: Variable rates from 0.40% (+BBR), fixed rates from 0.75%, tracker rates from 3.99% (+BBR)
- Charge type: 1st charge (resi & commercial), 2nd charge to £4m on residential properties
- Term: 3 – 24 months + possible extension
- Property types: Residential, commercial & mixed-used
- Exit fee: POA
- Location: Manchester
- Exit Strategies: Sale of property, refinancing, or other viable options
Why Us for Bridging Finance in Manchester?
- Rapid Funding: We understand the urgency in property transactions. Our processes are designed to progress fast where urgency matters.
- Flexible Solutions: Whether you’re purchasing at auction, renovating a property, or managing a property chain, our bridging finance options are adaptable to your needs.
- Expertise in Manchester Market: Our deep understanding of Manchester’s property landscape ensures that we can offer insights and solutions tailored to the local market.
Latest Case Studies
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Read case studyBack Up Exit Strategies and Unearthed Arrears in the Legal Stage
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Read case studyBridge Fusion Premier Finance to Help Streamline a Landlord’s Portfolio
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Read case studyCapital Delivered to Cover Existing Facilities and Outstanding Debts
Read case studyCommercial Bridging Finance for an Investor Targeting a Burgeoning Industry
Read case studyCommercial Property Investors Don’t Need to Be Held Back by a Few Bad Financial Years
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Read case studyBridging Loans Manchester –
What you need to know:
What is bridging finance in Manchester?
Bridging finance can enable you torealise fast-moving opportunities in the Manchester property market.
Whether you’re acquiring a property before your existing one is sold, unlocking capital for investment, or need funds for a refurbishment, bridging loans offer the speed and flexibility needed to act fast in Manchester’s competitive real estate market.
We support bridging finance across Manchester and Greater Manchester, including Salford, Trafford, Stockport, Didsbury, Chorlton, Ancoats, Spinningfields, MediaCityUK and the wider North West.
How much can I borrow?
At Market Financial Solutions, we offer tailored bridging loans from £100,000 up to £50m. On our Bridge Fusion product, a hybrid between a speedy bridging loan and a longer-term BTL mortgage, we can consider any large loan amount. The amount you can borrow depends on your asset value, repayment strategy, and the overall profile of your project. Whether it’s a modest flat in Ancoats or a large commercial asset in Spinningfields, we’ll structure a loan that fits your needs.
What types of property can I purchase with Machester bridging finance?
Bridging is a short-term solution designed to move quickly where traditional timelines don’t fit. Our bridging finance in Manchester supports a wide range of property types. These include:
- Residential homes and flats (including new builds & HMOs)
- Buy-to-let and rental investments (including holiday lets)
- Commercial and mixed-use property (units, semi-commercial, multiple units etc)
- Fast purchases (auction deadlines / chain breaks)
- Refurbishment and light works (including unmortgageable properties)
- Portfolio moves (capital raise, refinance, opportunistic acquisitions)
We can also assist with properties that fall outside conventional lending criteria, giving you the flexibility to invest where others can’t.
Who is eligible?
Our bridging finance is open to a broad spectrum of borrowers based in Manchester, or wanting to invest in Manchester. They include:
- First-time investors
- Experienced landlords and developers
- Companies and LLPs
- High-net-worth individuals
- Expats and foreign nationals
We assess each application on a case-by-case basis, meaning even those with complex or non-standard circumstances can access the funding they need.
Additional fees
In addition to interest, bridging loans may incur certain fees such as arrangement, valuation or broker fees.
We maintain transparency from day one, so you’ll be informed of all costs upfront with no hidden surprises.
How can I apply?
You can apply for bridging finance in Manchester is straightforward. Here’s how to begin:
- Initial Enquiry: Reach out to your local BDM or BDE via phone, email, or our website form with some basic details about your project.
- Loan Illustration: We’ll provide indicative terms based on your requirements.
- Underwriting: Submit supporting documents such as ID, property details, and your exit strategy.
- Valuation & Legal Work: We’ll arrange property valuation and progress legal checks.
- Funds Released: Upon completion, the funds will be transferred to your solicitor.
The whole process can often be completed in a matter of days.
Can I get a Manchester bridging loan with adverse credit?
If you’ve had adverse credit, you may still be able to access bridging finance in Manchester and the North West. We assess each case individually, taking a bespoke, non tick-box underwriting approach – so the decision isn’t based on an automated score alone.
Adverse credit can include issues such as CCJs, defaults, mortgage arrears, IVAs, bankruptcy, DROs or previous repossession. We’ll look at what happened, what’s changed, and – crucially – your exit strategy (sale or refinance).
When reviewing adverse credit cases, we focus on:
- The property/security and overall deal strength
- A clear, credible repayment route
- The context behind the credit events and current stability
Where there are outstanding CCJs/arrears/defaults, we generally expect these to be settled prior to completion (subject to underwriting).
If you want a quick steer, share the property, loan amount, term and exit – and we’ll confirm whether it’s workable and what we need next.
Acceptable exit strategies
A robust exit strategy is essential for securing bridging finance. In Manchester, common exit routes include:
- Sale of the property or another asset
- Refinancing to a long-term mortgage or buy-to-let loan
- Incoming funds from a business or investment
- Proceeds from inheritance or a pension release
We assess each exit strategy for feasibility and timing, ensuring the loan can be repaid without undue risk.
Process to pay back the loan
Repayment typically occurs at the end of the loan term through the exit strategy. You’ll have the option to:
- Repay interest monthly or roll it into the loan (retained or rolled-up)
- Settle the entire balance in one payment at the end of the term
- Refinance if more time is needed (subject to approval)
We’ll work with you to determine the most suitable repayment method from the outset.
Why work with Market Financial Solutions?
At Market Financial Solutions, we bring over 18 years of lending experience and a proven track record of delivering bespoke funding for time-sensitive property bridging loans. Our Manchester clients benefit from:
- Speedy decisions and fast funding
- No reliance on credit scoring
- Solutions for complicated or unusual cases
- Dedicated underwriter throughout your application
- Deep knowledge of Manchester’s property dynamics
When timing is critical, we provides the reliability and insight to help you secure your next opportunity.


























