About the brokerage
About Manchester Bridging Finance
We sit between Manchester investors, owner-occupiers and developers and the eight bridging lenders who price the work. Independent of any one funder, packaging biased to whatever moves your deal.
Who we are
We are a specialist bridging brokerage covering Manchester and the wider Greater Manchester property market. Bridging is what we do every working day. Not a side product alongside term mortgages, not a referral relationship we maintain in case a client asks. The whole desk wakes up to auction calendars, refurbishment timelines, and the same eight lender contacts who price our work week in, week out. That focus is the point of working with us rather than a generalist mortgage broker.
How we got here
From single-deal packagers to a Manchester specialist desk.
The brokerage grew out of a packaging team that had been arranging short-term property finance for Mancunian investors since the post-2018 specialist-lender expansion, when names like Roma Finance in Stretford, Together at Cheadle and Pugh & Co at their Altrincham auction room defined the North West bridging market. The shift from a handful of personal contacts at MT Finance and Together to a settled eight-lender panel happened gradually, as deal volume justified treating bridging as a discipline rather than an occasional product. By 2023 the desk was packaging more bridging loans than any other product line. In 2024 the team split the bridging book out under its own brand to remove confusion with high-street term lending.
Today the Manchester desk handles enquiries from auction buyers across M11, M12, M18 and M40, owner-occupiers chain-broken between Didsbury, Chorlton and the wider south Manchester commute, BTL landlords running refurbishments through Rusholme, Fallowfield and Levenshulme, mill-conversion investors in the Northern Quarter and Ancoats, and developers exiting practical completion in Salford Quays, Castlefield and the NOMA regeneration zone. The case mix is roughly two-thirds unregulated investor work, one-third regulated owner-occupier bridges introduced through our FCA-authorised partners.
What we are
A brokerage, not an adviser, and not a lender.
We arrange short-term property finance secured against UK property. We are a broker. We package the case, negotiate terms across the lender panel, and run it through to completion alongside the borrower's solicitor and the lender's legal team. We do not lend our own balance sheet and we do not advise. We are not FCA-authorised; we work with FCA-authorised partners. For regulated bridging, where the loan is secured against a property occupied or to be occupied by the borrower or an immediate family member, we introduce clients to those FCA-authorised partners who carry out the regulated activity and provide any required advice. For unregulated bridging on commercial, investment, buy-to-let and refurbishment property, we package and place the case directly.
That separation matters. A broker who advises has to file recommendations and document why they fit the client's needs. We are not that party. We are the people who know which lender will price your specific deal sharpest this week, which valuers turn around the M postcode area fastest, and which legal teams have the auction-pack appetite to complete inside 14 days.
The lender panel
Eight specialists who cover the bridging map.
We work most regularly with eight bridging specialists: MT Finance, Octane Capital, Roma Finance, United Trust Bank, Hope Capital, Together, LendInvest and Octopus Real Estate. Between them they cover regulated owner-occupier work, standard unregulated bridges, refurbishment to BTL exit, heavy refurb with structural change, development exit, and second-charge cases. Together has its head office in Cheadle and Roma sits in Stretford, both inside our coverage area. Beyond the headline panel we maintain working relationships with Shawbrook, Precise Mortgages, Allica Bank, Glenhawk, Avamore Capital, Kuflink, OakNorth and Aldermore for cases that price better with them.
We do not claim whole panel reach. The lender list is curated, with each funder priced and pitched for the case types they handle well. Sending a heavy refurb HMO conversion in M14 to a fast-turnaround standard bridger wastes a week. Sending a clean 65% LTV chain-break case in Didsbury to a heavy-refurb specialist wastes basis points. The packaging discipline is matching the case to the right desk first time.
Where we work
Manchester, Greater Manchester and the wider North West.
The home base is Manchester itself. The bulk of our case flow runs through the city core, the Northern Quarter, Ancoats, Spinningfields, Castlefield and the Oxford Road corridor, plus the south Manchester belt across Didsbury, Chorlton, Withington, Rusholme, Fallowfield and Levenshulme, alongside Old Trafford and the Salford Quays regeneration zone. We work across the rest of Greater Manchester including Salford, Stockport, Bolton, Bury, Oldham, Rochdale, Tameside, Trafford and Wigan, plus the Trafford prime corridor running through Sale, Altrincham, Hale and Bowdon. Beyond the county boundary we lend across the wider North West region into Cheshire, Lancashire and parts of Merseyside where the deal flow and the lender panel both make sense.
Distance from Manchester is rarely the limit on whether we take a case. The limits are the strength of the security, the credibility of the exit, and whether the property type sits inside the bridging lender appetite. We turn down work where the exit is hand-waved or the security is thin. We say yes where the deal is real and the numbers work.
Regulatory note
Regulated bridging finance, where the loan is secured against a property occupied or to be occupied by the borrower or an immediate family member, is regulated by the Financial Conduct Authority. Unregulated bridging finance, including loans secured against commercial property, investment property, buy-to-let, and refurbishment projects, is not regulated by the Financial Conduct Authority. We are not directly FCA-authorised. For any regulated bridging requirement we introduce clients to FCA-authorised partners, who carry out the regulated activity and provide any required advice. We do not give advice on regulated mortgages, regulated bridging, or investment products.
Next step
Talk to a Manchester bridging specialist.
A 15-minute triage call usually answers the practical questions: rate band, LTV, term, fees, completion window. Indicative lender terms typically follow inside 24 hours. We are at our most useful when the case has a clock on it.