Fixed-sum, Short-Term Finance Solutions from Santander
Santander has become a household name recognised for trust. Jubilee provides residential and commercial borrowers with greater confidence by offering advice and guidance and arranging short-term finance solutions through our exclusive partnerships.
We can only do this through the huge network of partnerships we’ve established over the years.
We access whole-of-market financing options for short-term borrowing, with fast access to funds. When you need large cash boosts fast, a Santander bridging loan is one option to consider among many. It’s affordable, speedy and flexible.
No Commitment Super Quick, Low-Interest Rate Bridging Loans
Cashflow Solutions · Transparent Pricing · Cash Possible Within 1 Working Day · Tailored Finance Options
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High Approval Rates with Santander Bridging Finance
Lending restrictions from high street lenders often mean that large loans create time barriers to funds becoming available. When you need a residential mortgage product or a commercial loan to invest quickly, it helps to know that the place you apply is known for higher approval rates.
Santander is known for taking a prudent approach to lending risks. It operates a network of 67 corporate business centres, allowing customer relationship managers to work more closely with customers on the front line to identify opportunities, assess risks, and understand their needs.
It’s this approach that’s helped the company become the fifth largest UK commercial lender, and put them in a strong position to challenge the big four UK banks:
- Barclays
- HSBC
- Lloyds Banking Group
- The Royal Bank of Scotland Group
In 2016, 77% of Santander’s core business was retail mortgage lending, making it the third-largest mortgage provider in the UK.
Residential or Commercial Bridging Loans
Whether you need to bridge a funding gap to buy your dream home or get an advance to pay essential tax bills, buy property at auction, or invest in much-needed operating equipment…
- Applications can be processed fast.
- Funds released quickly
- On flexible repayment terms
What Santander offers through Bridging Finance…
- Borrow between £50,000 and £3,000,000
- Choose your own repayment terms from 2 months to 3 years
- High approval rate
- Do with it what you need to. Secure a property, pay pressing business bills or urgent taxes at risk of penalties.
- The only requirement is that you have equity in any property
Raise funds fast for anything you need to
Santander has you covered for any situation needing fast funding. They allow borrowers to access funds at lightning speed compared with other residential mortgage products or commercial loans. Naturally, as with any other lender, all loans are subject to approval, during which time the bridging loan can be used while a longer-term financial solution is assessed.
In addition to their corporate business centres, they also have a dedicated large sums team, making them of particular interest to property investors, developers and portfolio landlords. The more equity you hold, the more funds can be accessed through a Santander bridging loan. That’s not to say you must deal with the large loans department. They’re more for corporate lending, so if you do require large sums, it is one lender to consider, among a few select others.
As this is a property loan, similar to a mortgage product, it also benefits homeowners. With enough equity in your home, you can trust that the funds raised with a Santander bridging loan will be able to fill the void between buying your dream home and selling your old house.
Santander knows the property market moves fast, so it needs to act quickly to help you. After all, its core business is residential mortgage products.
Customer service is paramount. Since this type of short-term financing is primarily geared towards attracting commercial customers, once approved, it opens the door to a thriving professional relationship with a firm of solid standing that can extend you a line of credit in the future, based on how you manage your account with them. Keep your account in good standing, and financial backing will be available.
As with many bridging loan providers used by property moguls, the relationship between lenders and borrowers is built on trust. It provides a level of surety that, whatever or whenever you need short-term financing, you already have an established relationship with a lender for short-term financing, when the speed of funding is required.
For investors, you must start with a strong financing partner.
How Jubilee 2000 Helped Get Bridging Loans Approved
- We work with an exclusive panel of independent lenders, all experts in bridging loans.
- Get access to friendly and actionable advice when you need it.
- Before or during an auction, we’ll be there—not in the room, but in contact with you—ensuring you don’t overbid and get yourself into a tricky situation. We provide our auction-goers with complete confidence that what they’re bidding on will be able to be financed.
- Our Santander bridging loan is only one possibility, albeit a very good option for fast turnaround. On average, funds are released within 5 – 7 days.
- Like all others, though, there’s an approval process. Jubilee helps to ensure that you meet the eligibility criteria before you apply. If you don’t, we can access the whole-of-market products and match the best offer to your personal situation.
- Whatever you need a bridging loan, whether, through Santander or another trusted lender, Jubilee can advise and assist.
Bridging Finance From Santander
In 2026, Santander offers competitive bridging finance options for homeowners and property investors, providing up to 75% LTV (loan-to-value). Bridging loans are designed to cover short-term financial needs and can be effective for those looking to purchase a new property before selling their current one. This article explores Santander bridging loans and compares them with other financial products to help you make an informed decision.
Understanding Bridging Loans
Bridging loans are short-term loans intended to bridge the gap between buying a new property and selling an existing one. They offer quick access to funds but often come with higher interest rates and fees than long-term financing options.
Benefits of Santander Bridging Loans
- Quick Access to Funds: Bridging loans can be arranged swiftly, often within a few days, providing the necessary funds for urgent property transactions.
- Flexible Terms: These loans are designed to be short-term, typically lasting a few weeks to a few months, and offer flexible repayment options.
- High Loan-to-Value: Santander offers bridging loans up to 75% LTV, enabling borrowers to access significant capital against their property’s value.
Interest Rates and Loan-to-Value Ratios for Bridging Loans
Interest rates for bridging loans vary by lender and by the borrower’s credit profile. Loan-to-value (LTV) ratios are crucial in determining loan terms. Below is a table comparing Santander bridging finance with other typical secured loan products.
| Loan Product | Interest Rate | LTV Ratio |
|---|---|---|
| Santander Bridging Loan | 5.51% | 75% |
| Secured Loan | 4.02% | 80% |
| Personal Loan | 5.53% | 70% |