Get a bridging loan quote in 24 hours, with no credit hit

You want a number, not a sales pitch. You have a deal moving and a day you cannot afford to lose, and you need to know what bridging will realistically cost before you commit to anything. The worry is the friction: a hard sell, a credit footprint from shopping around, or a vague answer that burns the time you do not have.

Vortex Finance gives you an indicative bridging loan quote within 24 hours of the deal details. No fee at the quote stage. No mark on your credit file. The numbers come from the lenders that actually fit your deal, drawn from a panel of 100+, so you see what you can genuinely access rather than a headline rate you will never qualify for.

We are a broker, not a lender. We sit on your side of the table, compare the market, and tell you the honest cost over your actual term. All figures are indicative; the lender confirms them on application.

How to get a bridging loan quote

The process is short. Tell us the deal, we shop the market, and you get realistic numbers back the next working day.

1. Share four basics: rough property value, the loan size you need, the purpose, and your exit.
2. We match your deal against the lenders most likely to say yes, across 100+.
3. You get one or more indicative quotes within 24 hours, with the full cost laid out.
4. Nothing is owed and nothing is committed until you tell us to submit.

There is no charge to reach this point. The quote, the lender shortlist, and the fit assessment cost you nothing.

What we need from you (four details)

A useful quote needs four things. None of them require documents at this stage.

Property value tells us the security. Loan size tells us the leverage, which drives the rate. Purpose tells us the product, because an auction purchase, a chain break, and a capital raise price differently. Exit tells us how the loan gets repaid, whether that is a sale completing or a refinance onto a term mortgage.

That is enough for indicative terms in 24 hours. The deeper paperwork (ID, bank statements, proof of deposit) only comes later, once you have chosen a route and asked us to submit.

What an indicative quote includes

A monthly rate on its own is not a quote. It hides the real cost. We model the full picture so you can judge the deal properly.

Your quote sets out the indicative monthly interest, which runs from around 0.55% to 1.10% on most deals and nearer 0.44% on the cleanest low-LTV cases. It adds the lender arrangement fee, usually 1% to 2% of the loan. It includes the RICS valuation fee, indicatively £400 to £2,500 for standard property, your legal costs of roughly £750 to £3,500, and our broker fee.

Our fee model is confirmed upfront before any application, disclosed in writing before you commit. Because bridging is short-term money, we cost the whole term, not just the headline rate. A loan at 1% a month held for three months costs 3% of the loan, and you weigh that against the value of the deal it secures. Every figure is indicative until the lender confirms on application.

Why a quote does not affect your credit

This is the question that stops people asking. Here is the plain answer.

An indicative quote leaves no footprint on your credit file. We can compare lenders and frame the numbers without a hard search ever touching your record. With your consent, we run a soft check before recommending, which is invisible to other lenders and does not affect your score. A hard credit check only happens when you choose a route and submit a full application. You decide when that moment comes. Until then, you can shop with us as much as you like at no cost to your file.

From quote to application: what happens next

A quote is a starting point, not a commitment. You stay in control at every step.

Once you have the numbers and you are happy with a route, we package the case so the underwriter sees a clean file. We push the valuer, solicitor, and lender from day one to hold the timetable, which matters most on a deadline. Standard bridging completes in 7 to 14 working days. Clean fast-track cases, such as an auction lot with simple title and a valuer who can attend, can complete in 72 hours to 7 days.

If your deal touches a regulated product, such as bridging secured against your own home, a qualified adviser handles the advice on the call. This page is information, not advice on a regulated mortgage.

Frequently asked questions