Award-Winning Bridging
& Commercial Finance Brokers UK
FCA-qualified commercial finance brokers since 2005. Specialists in larger loans from £250,000 to £250m+ across the UK.
No broker fee on most bridging and commercial mortgage transactions. We are specialist bridging loan brokers with same-day decisions available on time-critical deals, and as a commercial mortgage broker we place owner-occupier and investment cases nationwide. For homeowners we arrange regulated bridging loans for chain breaks, downsizing and buying before you sell, including 60-month terms for high net worth borrowers.
As featured in
“We spend most of our time on deals that other brokers have walked away from. Complex income, unusual assets, transactions where timing is everything. That is the work we are set up for.”
Wesley Davidson · Director · FCA-qualified, advising on UK property finance since 2005
What our clients say
I have been working with FD Commercial and Bridging for over five years. The team are extremely knowledgeable and experts in their field.
Mark Stephenson · Google Review
I had a great experience working with Wesley. He helped me secure both a commercial property and a buy-to-let. He made the whole process smooth from start to finish, kept me informed at every stage and was always available to answer any questions. His knowledge and expertise really stood out.
Danny Withers · Google Review
I worked with Wes on a development loan. He was easy to deal with and provided swift updates throughout.
Harriet Constable · Google Review
It has been great working with the team at FD Commercial and Bridging to secure the funding needed for a commercial fit-out.
Martyn Hind · Google Review
Who we help
Finance for every stage of the property cycle
Business Owners
Acquiring or refinancing owner-occupied premises. Offices, retail units, factories, and surgeries.
Owner-occupier mortgages →Property Investors
Buying or remortgaging commercial assets, multi-let blocks, and income-producing portfolios.
Commercial mortgages →Mixed-Use Owners
Semi-commercial and mixed-use properties. Shops with flats above, office and residential combinations.
Semi-commercial mortgages →Developers
Refurbishments, conversions, ground-up builds, and finish-and-exit projects of all scales.
Development finance →Portfolio Landlords
Scaling HMOs, multi-unit freeholds, and limited company structures efficiently.
Portfolio mortgages →Homeowners
Regulated bridging for chain breaks or urgent residential moves where timing is critical.
Regulated bridging →What we arrange
Specialist property finance, nationwide.
Bridging Loans
Regulated and unregulated bridging for residential and commercial property. Same-day decisions available for auctions and time-critical completions.
View bridging loansBuy to Let
HMOs, multi-unit freehold blocks, portfolio mortgages, and complex limited company structures. Specialist terms from lenders who understand the asset.
View buy-to-let mortgagesCommercial
Owner-occupied and investment commercial mortgages. Offices, retail units, factories, mixed-use, and semi-commercial assets from £250,000.
View commercial mortgagesProperty Development
Refurbishments, conversions, ground-up builds, and finish-and-exit projects. Acquisition, build finance, interest roll-up, and development exit all covered.
View development financeFree tools
Eight calculators. Built by the team.
The same tools we use when scoping a deal. Built on real lender criteria. Free to use, no signup required.
Commercial Mortgage
DSCR-based max borrowing for investment property and trading-business EBITDA, plus a repayment calculator. Three modes in one tool.
Use calculatorBridging Loan
Full bridging cost model with rolled-up, retained and serviced interest options, arrangement fee, valuation and legal costs. From £250,000.
Use calculatorHNW Bridging
Private bank, specialist HNW and family office route comparison on facilities above £1m. Cross-collateralisation to 90% LTV. extended-term HNW.
Use calculatorDevelopment Finance
Loan-to-cost and loan-to-GDV modelling with staged drawdowns, monitoring surveyor cost and finance rolled into the facility.
Use calculatorDeveloper Profit
Gross development value, build cost, finance cost, gross profit and ROI on residential and mixed-use schemes. Used at appraisal stage.
Use calculatorStamp Duty
Commercial and residential SDLT including non-resident, additional-dwelling and corporate surcharges. Critical on every commercial purchase above £150,000.
Use calculatorSemi-Commercial
Maximum borrowing on mixed-use property with commercial and residential under one title. Built for inner-city investors and portfolio landlords.
Use calculatorHMO Valuation
Commercial vs bricks-and-mortar valuation on UK HMOs. Helps landlords understand which basis a lender will use and the LTV that follows.
Use toolModel the deal before the call. Then pick up the phone and we will build the case around it.
Call 03300 100315Finance Finder
Not sure which finance
product fits your deal?
Answer six questions and get a product recommendation, a deal check against lender criteria, and an indicative cost illustration. No forms, no calls required yet. Loans from £250,000.
Why FD Commercial
Lender access and expertise that goes direct to market.
180+ lenders. High-street banks, private banks, challenger lenders, and specialist commercial funders. We know their appetite, their criteria, and their decision-makers.
Discuss your projectFull market access
180+ lenders. We know who will lend on your property type, at your LTV, in your timeframe.
Complex cases handled properly
Unusual property types, complex ownership structures, foreign nationals, and portfolio refinances. We have seen it before and know which lenders will consider it.
Fee-free in most cases
Paid by the lender on completion. Any client fee is confirmed in writing before you proceed. No surprises.
Large loan specialists
Clients borrowing from £250,000 to £250m+, including larger facilities for experienced developers and portfolio investors.
Speed when it matters
Bridging decisions same day. Commercial mortgage terms within 48 hours. For auction purchases and time-critical completions, that difference is everything.