Your Specialist finance partner
Expert Solutions Tailored for You
Our Specialist finance department is here to help with you with bridging loans, commercial finance and development finance.
Our expertise, streamlined processes and personal transparent approach means you’r in safe hands from start to finish.
About Advantage
Advantage FS is a leading mortgage brokerage firm dedicated to simplifying the mortgage process for all it’s clients. After years of helping clients with complex mortgage needs, it was only natural that we make the move into the specialist finance arena. Taking advantage of our extensive industy knowledge and connections means that we have access to an extensive panel of lenders, ensuring the best possible outcome for you.
The specialist finance market is largely unregualted, this means that it’s more important than ever to shop around and find the right partner for you. Whether you’re looking to embark on a commercial venture or need fast soluitons to a finance problem. Our team can help. We pride ourselves on our deep understanding of the mortgage market and our commitment to delivering exceptional service. Our mission is to guide you through every step of the journey, ensuring a seamless and stress-free experience.
Our Services
We offer a range of services designed to cater to your specific needs.
Bridging Finance
A bridging loan is a short-term loan that can help you with a wide variety of scenarios. Whether you are looking move home quickly or invest in an un-mortgageable property a bridging loan might be able to help. Typically set over 12-24 months and usually with no exit penalties a bridging loan could help you realise your future in property.
Commercial Finance
A commercial mortgage can be used to purchase semi and fully commercial properties for either investment purposes or for your own business to occupy. Or even for a mixture of the two. The commercial mortgage market can be very difficult to navigate without the help of a broker so we are here to help you find the right mortgage for you and your business.
Development Finance
Are you planning to build or convert a property but don’t have funds for the work? We can access lenders who can offer you funds towards site acquisition as well as up to 100% of the build cost. Whether you are a first time developer or a seasoned professional we have lenders for you. Use our expert broker to find a development loan that is the perfect fit for your project.
Try us
Send us your enquiry, we’ll be in touch within hours to see if we can help.
Meet James.
James is our resident speciailist finance practioner. 2025 marks his 10 year anniversary in the sector. James has a passion for solving all manner of specialist finance solutions for his clients, it’s why so many come back to him and recommend him to others. He’s worked for some of the UK’s larger brands before joining Advantage and brings a wealth of knowledge to the team.
Common Questions About Bridging Finance
Find answers to the most common questions about bridging loans below.
What is the difference between a regualted and unregulated loan.
It can understandably be concerning to be told your loan is unregulated, don’t worry, it’s just a simple way to determine if the type of finance you require falls under the remit of the Financial Conduct Authority. Any finance for any type of commercial investment will be considered to be unregualted. If you’re financing a purchase for yourself or a family member, your arrangement will be regualted by the Financial Conduct Authority and you will be benfit from the protection associated with this.
Can I get a bridging loan with a low credit score?
Yes, bridging finance doesn’t require you to make monthly payments towards the debt. Your credit worthiness may impact your ability to find suitable finance to pay off (exit) the loan but won’t directly impact your ability to get the loan. It depends on how you intend on paying it off.
How long does the approval process take?
This type of finance is designed to be speedy. Bridging loans are frequently offered within a matter of days.
How much should I expect to pay?
Bridging loans are not cheap. They are considered high risk and the interest rates reflect this. The cost will be clearly communicated to you upfront, typically the first quote you will receive will be based onthe assumption that the loan is in place for 12 months. You will save interest by repaying the money in the shortest possible time frame.
The property I want to buy is not mortgageable. Can I still buy it?
Yes. Bridging lenders love projects where you are adding value to the property. Often bridging lenders can even help with some of the funds for the works you intend to carry out.
I need to complete quickly. How long does a bridging loan take?
In the right circumstances a bridging loan can be completed in as little as 4 or 5 days. This is not the norm however bridging finance is commonly used for purchases where time is a factor.
Auction purchases often need to be completed with 28 consecutive days. A bridging loan can work really well in this situation due to the procedures bridging lender use to speed up transactions.
Advantage Specialist Finance is trading style of Advantage Financial Solutions Ltd which is directly authorised and regualted by the FCA. Our FCA number is 965036.
