Loans Warehouse has completed £4.5 million in bridging finance across 20 cases over six months using the Brickflow platform, according to the mortgage broker. The deals comprised primarily unregulated bridging loans secured against residential and commercial properties in England and Wales.
The figures come as bridging loan applications reached £11.7 billion in Q4 2025, according to data from the Bridging & Development Lenders Association. The Finance & Leasing Association reports that up to 30% of remortgages now involve borrowers raising additional capital rather than simply refinancing existing debt.
Platform-based deal sourcing
The broker used Brickflow’s digital marketplace to filter lender options based on criteria including net loan size and pricing. In one case, a borrower sought to raise capital against a property nearing the end of a refurbishment. Despite an existing bridging loan being in place, increased property value created an opportunity to refinance and release additional funds.
The broker sorted lenders according to net loan size to identify those most likely to maximise the advance, prioritising capital raising over interest rates.
Market context
Short-term property funding demand continues to grow in the UK market, with investors seeking flexibility for refurbishments, acquisitions and time-sensitive transactions. Digital platforms are becoming more integrated into broker workflows as deal complexity increases.
“We believe Brickflow is the best solution in the market for bridging loan sourcing,” said Vikki Edwards, head of bridging & development at Loans Warehouse. “We’ve been using the platform for nearly two years, and it consistently delivers results, enabling us to clearly demonstrate our research and add real speed to the process.”
Edwards noted that filtering tools support underwriting decisions when comparing lenders across multiple criteria.
Sector implications
The adoption of digital sourcing platforms reflects broader changes in the specialist finance sector. Key developments include faster access to lender options, improved transparency in product selection, and enhanced efficiency in processing complex bridging cases. As bridging loans are typically used in time-sensitive scenarios, the ability to process deals quickly can affect both success rates and profitability.
The trend towards more complex funding requirements, driven by borrowers raising additional capital through remortgages, is increasing reliance on bridging finance solutions across the UK property market.
