Lender Profile
Black & White Bridging Bridging Loans
Direct specialist bridging lender — clear product guide, no surprises.
About Black & White Bridging
Black & White Bridging is a direct specialist bridging lender with a published product guide that sets out their criteria, rates, and LTVs in detail. The transparent approach is unusual in a market where most lenders price case-by-case behind closed doors — useful for brokers who want to indicate pricing accurately at the first conversation.
Their products cover standard residential and semi-commercial bridging, refurbishment, and auction finance. First and second charges are both supported.
Product range: Standard bridging, refurbishment (light/heavy), semi-commercial, second charge, and auction finance.
Best for
- Cases where the published product guide gives certainty up front
- Auction purchases needing fast turnaround
- Residential and semi-commercial refurbishment
- Second charge bridging on existing mortgaged property
Key facts
- Min Loan
- £50,000
- Max Loan
- Confirmed at quote
- Max Term
- Up to 18 months (unregulated)
- Max Ltv
- Up to 75% (1st charge residential)
- Fee
- Lender arrangement fee — typically 2%
- Regulated
- Unregulated focus; regulated by referral
- Interest Structures
- Retained or rolled-up
- Completion
- Typically 2-4 weeks for clean cases
Pros
- +Published product guide — pricing certainty up front
- +Fast on auction-deadline cases
- +1st and 2nd charges both supported
Cons
- −Primarily unregulated — owner-occupier cases need a regulated lender
- −Smaller maximum loan than the largest specialists
Black & White Bridging FAQs
Does Black & White publish their rate card?
Yes — a downloadable product guide sets out current rates, LTVs and criteria. This makes it easier to indicate pricing accurately at first enquiry, before a full application.
Do they lend on second charges?
Yes — second charge bridging is part of their standard product range, subject to first-charge consent.
Apply for a Black & White Bridging bridge
We'll match your case against Black & White Bridging's criteria first — and the rest of our panel — to find the cheapest fit.