Bridging Finance in Cambridge
CoreFi arranges short-term bridging finance for Cambridge limited companies, secured against property for auction purchases, chain breaks, refurbishment and quick completions. We are a broker, not a lender, matching your deal and your exit to a whole-of-market panel. The lender assesses the security, decides and prices every facility.
CoreFi is a commercial finance broker arranging bridging finance for limited companies across Cambridge and South Cambridgeshire. Bridging is short-term, property-secured lending used when timing matters more than a long term: completing an auction lot within the deadline, holding a purchase together when a sale stalls, or funding refurbishment before a refinance or sale.
Cambridge's property market moves quickly and prices are high, which is exactly the pressure bridging is built for. We work whole of market to match your case and your exit to lenders with genuine appetite. We do not lend our own money, and any rate, loan-to-value or timescale we mention is indicative only. The lender assesses the security and the exit and decides whether to lend and on what terms.
- 1
Tell us about the property and the deadline
Share the property, where it is in Cambridge or South Cambridgeshire, the amount you need, the purpose and your deadline, whether that is an auction date, a completion or a chain break.
- 2
We match the case to bridging lenders
We look across our whole-of-market panel and shortlist lenders whose appetite fits the property type, location, loan-to-value and your exit, rather than approaching the market blind.
- 3
You review indicative terms and proceed
Interested lenders come back with indicative terms. Any rate, loan-to-value or timescale is illustrative and subject to valuation and underwriting. You decide whether to proceed, and the lender sets the final terms.
Auction purchases and quick completions in a fast Cambridge market
Cambridge is one of the most competitive property markets in the country, and stock that comes up at auction or needs a rapid completion does not wait. A limited company buying a tired terraced house in Romsey or off Mill Road to refurbish, picking up a small commercial unit near Cherry Hinton, or completing on a plot in a village like Sawston or Great Shelford often has to move within a tight window that a standard mortgage cannot meet. Bridging is designed for that gap. Lenders focus heavily on the property offered as security and on how the loan will be repaid, so a credible exit, whether an onward sale into strong local demand or a refinance once works are done, matters more than the headline rate. We help frame the deal and the exit so the right funders can assess it quickly.
Chain breaks and refurbishment across the CB postcodes
Not every bridging case is an auction. Cambridge companies use short-term finance to hold a purchase together when a linked sale slips, to release equity from a property already owned in order to fund another acquisition, or to carry a refurbishment or conversion before moving onto a longer-term facility. The city's older housing stock in Chesterton, Cherry Hinton and around Mill Road, and the tired commercial buildings ripe for repurposing near the centre, generate a steady flow of light-refurbishment and refinance bridging. A refurbishment case usually needs a plausible works schedule and a defined exit; a chain-break case usually needs the delayed sale or refinance to be realistic on the numbers. We match each situation to lenders comfortable with that property type and that borrower profile.
What bridging lenders look at, and what we are
For any bridging case, lenders assess the property offered as security, the loan-to-value against it, the strength and realism of your proposed exit, and the profile of the borrowing company and its directors. A sale exit needs the asset to be saleable within the term; a refinance exit needs the longer-term facility to stack up. CoreFi is a trading name of JG Core Ltd and acts as a broker, not a lender. The bridging we arrange for limited companies is unregulated business lending, so it does not require FCA authorisation, and we do not hold ourselves out as FCA regulated. Our role is to package your case cleanly and put it in front of lenders whose appetite fits, then let you decide. Any loan-to-value or rate discussed beforehand is indicative; the lender sets the actual terms.
Frequently asked questions
Can bridging finance move fast enough for a Cambridge auction?
Bridging is often used precisely because it can complete faster than a standard mortgage, which is why it suits auction lots and chain breaks. Timescales still depend on the lender, the valuation and the legal work, so any timeframe we mention is indicative rather than a promise.
What can bridging finance be used for?
Common uses among Cambridge companies include auction purchases, chain breaks, releasing equity from an owned property, and funding refurbishment or conversion before a sale or refinance. The property acts as security and the loan is repaid from a defined exit. The lender assesses each case.
Does CoreFi lend the bridging money itself?
No. CoreFi is a commercial finance broker, not a lender. We match your case to bridging lenders on our whole-of-market panel, and the lender assesses the security and the exit, decides whether to lend and sets the rate and terms.
What is a bridging exit and why does it matter?
The exit is how the loan is repaid, usually the sale of the property or a refinance onto a longer-term facility. Lenders focus heavily on it because it is how they get their money back, so a clear, evidenced exit strengthens your case considerably.
Are the rates and loan-to-value figures guaranteed?
No. Any rates, loan-to-value figures or timescales we mention are indicative and illustrative only. Bridging pricing varies by lender, property, term and exit, and the actual terms come from the lender after they assess your specific deal.
Is CoreFi FCA regulated?
The bridging we arrange for limited companies is unregulated business lending, so it does not require FCA authorisation. We are a broker acting for limited-company borrowers, not a lender or a regulated adviser, and we are transparent about this on every enquiry.
Get matched with lenders for your Cambridge business
Tell us what your business needs and we will match you with lenders whose criteria fit. No obligation, no cost to start the conversation, and a straight answer about what is realistic for your situation.
Get matched with lenders