Should I apply for a bridging loan? Risks and opportunities.
What are the risks and opportunities of bridging finance and should I apply for a bridging loan?
Brickflow News
New data from Brickflow shows brokers and professional investors carried out almost 24,000 funding searches worth more than £70bn across specialist property finance in 2025, underlining sustained demand despite a cautious lending environment.
Development finance confidence peaked mid-year, and bridging search volume led the way month after month
London, 2nd February 2026
The platform’s full-year data reveals that £1.2bn of searched loan value progressed to approval, pointing to a market defined by selectivity and structure rather than a lack of appetite, as brokers increasingly utilised technology to test lender criteria, pricing and deal viability before progressing cases.
Development finance dominated by value, accounting for the largest share of total property value searched across the year.
Demand peaked mid-year, with June recording a sharp confidence spike, as development finance searches exceeded £6.2bn in a single month, driving total monthly search volume to nearly £8.8bn – the highest level recorded on the platform in 2025.
By contrast, bridging finance for purchase and refinance was the most consistently searched product type by volume throughout the year, reinforcing its role as a core planning and execution tool rather than a short-term stopgap.
Monthly bridging searches regularly exceeded 1,000, reflecting continued reliance on flexible capital to manage timing and transaction complexity.
While overall search volumes moderated in the second half of the year, deal size and intent remained robust, with fewer but larger, more deliberate searches later in 2025 – particularly in December – signalling a shift post-Budget and in the run-up to the festive period.
Commenting on the findings, Brickflow CRO and Co-founder Frazer Campbell said:
'Digital marketplaces like Brickflow are where this discovery process increasingly happens. They allow brokers to move faster once the right lender fit is found and enable lenders to focus on well-packaged opportunities that genuinely match their criteria.'
Brickflow’s data also points to growing platform adoption, with repeat broker usage remaining high throughout the year. As competition for well-structured deals intensifies, Brickflow is increasingly acting as the converging point between demand, lender appetite and execution across development finance, bridging and commercial lending.
Source: Brickflow platform data, January–December 2025.
For further media enquiries, please contact
Caron Schreuder
caron@longstoreyshort.com
07903422325
Brickflow is a UK-based digital platform transforming how commercial property finance is sourced and applied for. The platform connects brokers and their borrowers with live rates and criteria from over 150 specialist lenders, enabling faster comparisons and near-instant Decisions in Principle. Brickflow also provides embedded and white-label solutions that help brokers streamline applications and deliver a modern digital experience.
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