The time taken to complete the typical bridging loan fell to 41 days in Q3 2025, down from 48 in Q2, according to the latest MT Finance Bridging Trends report.

The specialist finance packagers that contributed to the report completed £209.4million of bridging loans in the latest quarter, a rise of 4.9% on £199.7million in Q2.

This is the highest quarterly figure since Q3 2024’s £220.8million and reverses the downward trend which saw quarterly totals fall since this time last year.

Funding an investment purchase accounted for 20% of all transactions, up from 16% in Q2. MT Finance said that the uncertainty around the upcoming Autumn Budget, and speculation that Stamp Duty could be increased, likely influenced landlords to look for fast, flexible finance options.

Re-bridges saw the biggest increase in Q3 – jumping from 7% in Q2 to 12%.

MT Finance said this could be due to a slower property market, resulting in borrowers with a resale exit strategy finding it harder to redeem their bridging loans.

Bridging loans used to refinance a property saw the biggest drop, with regulated refinance decreasing by a third, falling from 18% in Q2 to 12% in Q3.

Unregulated refinance nearly halved, dipping from 11% in Q2 to 6% in Q3.

The report is compiled from the lending figures of firms including AFIG, Brightstar, Enness, Impact Specialist Finance and Sirus Finance.

Sirius Finance group chief operating officer and managing director William Lloyd-Hayward said: “The significant increase in re-bridging – rising from 7 to 12% – shows how borrowers are turning to short-term finance to maintain liquidity in a slower sales environment.

“At the same time, the growth in transactions funding investment purchases, up from 16 to 20%, shows that investors are spotting value in the current market and using bridging as a means of moving quickly on opportunities. It’s a clear demonstration of the dual role bridging plays – supporting both those needing breathing space and those ready to act decisively.”