Our Loan

Flexible Finance for Real-World Deals

Smart, Flexible Property Loans – Fast

At Unico Bridging Finance, we provide short-term loans secured against property — fast, efficient, and built for real-world investors. Whether you’re buying at auction, renovating a property, refinancing, or purchasing an investment asset, our loans are designed to move at the pace of opportunity.

We lend against:

  • ✅ Commercial properties
  • ✅ Buy-to-let investments
  • ✅ Property refurbishments
  • ✅ Refinance & remortgage deals

 

We don’t rely on credit checks — our approvals are based on the value of the asset. If the numbers make sense, we move quickly.

Commercial Property Loans

Need funding for a shop, office, warehouse, or mixed-use unit? We provide fast commercial bridging finance secured against a wide range of property types. Perfect for time-sensitive purchases, business expansion, or auction buys.
  • Up to 70% LTV
  • Terms from 3–18 months
  • Decisions in under 48 hours

Buy-to-Let Loans

Whether you’re acquiring a single rental or building a portfolio, we offer short-term loans to help you purchase or refinance buy-to-let properties. Ideal for investors bridging to long-term finance or waiting on tenancy setup.
  • Fast buy-to-let acquisitions
  • Flexible lending against asset value
  • No income proof required

Property Refurbishment Loans

From light refurb to full internal fit-outs, we help investors fund the uplift. Our loans cover the purchase and/or refurbishment costs, giving you the capital you need to complete the project and add value.
  • Refurb funds available in stages
  • Works-in-progress accepted
  • Ideal for flips, HMO conversions, and BRR strategies

Remortgage & Refinance

Unlock equity or repay existing finance with a fast remortgage. We support refinance deals for exit, restructuring, or cash release — even if mainstream lenders won’t.
  • Exit finance for development or bridge loans
  • Debt consolidation or working capital
  • Asset-based approvals, no credit scoring

Development finance

Looking to fund your next commercial or mixed-use project?

 

Unico Bridging Finance offers fast, flexible development finance solutions tailored to experienced developers, investors, and business owners.

 

We can assist with:

  • Ground-up developments — Residential, commercial, or mixed-use sites
  • Heavy refurbishments and conversions — Including HMOs, serviced accommodation, and care facilities
  • Bridging loans — For acquisition, planning gain, or pre-sale refinancing
  • Portfolio growth — Expand or release capital tied up in existing assets
  • Cashflow and business bridging — Unlock funds quickly to support operational needs

 

Why Choose Unico:

  • No reliance on credit scores — we lend on the asset
  • Experienced team with a hands-on approach
  • Decisions in days, not weeks
  • Competitive rates and flexible terms

Auction Finance

Auction Finance

Fast, Asset-Based Lending for Auction Purchases

 

Bid With Confidence

At Unico Bridging Finance, we provide fast, flexible loans specifically tailored for property purchases at auction. We understand tight timeframes and move quickly — with formal offers issued in as little as 48 hours.

 

Key Features

LTV Up to 60% of hammer price or value

Interest Rate 2.00% per month (interest paid monthly)

Arrangement Fee 1.00% of loan amount

Exit Fee 1.00% on redemption

Security 1st charge on UK property

Terms 3–12 months

Loan Size £50,000 – £2,000,000+

Speed Indicative terms same day, formal terms within 48 hours

Use Cases Residential, commercial & mixed-use, including unmortgageable properties

 

Quick Loan Estimate

Use our calculator to instantly estimate costs based on your deal.

Launch Auction Finance Calculator

(Opens in Google Sheets – view & download available)

 

What You’ll Need

•Auction catalogue listing or property details

•Purchase price / expected bid

•Basic exit strategy (e.g. sale, refinance)

•Solicitor details (we can recommend fast-track options)

 

How It Works

1️⃣ Pre-Approval: Send us your deal.

2️⃣ Terms Issued: Within 24–48 hours.

3️⃣ Auction Win: We instruct solicitors.

4️⃣ Completion: Within 28 days (or faster).

 

Why Choose Unico?

• No credit checks – we lend against the property

•Dual-rep legal options to save time

•Hands-on support from enquiry to exit

•Ideal for fast-paced investors, developers, and flippers

 

Let’s Fund Your Next Auction Deal

Call: 07304 193249

Email: hello@unicobridgingfinance.com

Or 👉 [Apply Now]

CONTACT US

Whether you’re ready to apply or just exploring options, we’re here to help. Fast answers. No pressure.

    NOTE:- We’ll never share your details. Your enquiry is 100% confidential.

    Need Funds Fast? Let’s Talk.

    No-nonsense lending. Real support.

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