For UK specialist lenders and commercial finance brokers: every week, the companies whose bridging charge is reaching its typical term, with the property title it sits on.
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A commercial broker in Manchester refinances bridging loans for small developers. Finding them meant reading Companies House filings by hand. Now every Monday the broker gets a list of companies in the North West whose bridging charge is 12 to 18 months old, with the address and title of the property, and calls the ones whose loan is about to expire.
See the offerA bridging loan usually runs for 12 to 24 months. When the term ends, the borrower must sell, refinance or extend, and that is exactly when a lender or broker can help.
The facts are public, but scattered. Answers to common questions are in the questions section, and you can start at the bottom of the page.
Bridge Expiry does one narrow job: it finds companies whose bridging charge is nearing the end of its usual term and tells you which property it is secured on.
Every charge a company gives over its property is filed at Companies House with the date and the lender's name. The service reads these filings and keeps the ones made by bridging lenders.
Each charge is matched to the title of the property at HM Land Registry, so you see the address and the registered owner, not just a company number.
From the date of the charge it counts how many months the loan has run, and puts the companies that are near a typical term at the top of the list.
You choose the regions, the kind of property and the range of loan age you care about. The list shows only those.
Every Monday you get the list by email and can download it as a spreadsheet for your own system.
Charges that have been satisfied are removed from the list as soon as the filing appears, so you do not chase loans that are already repaid.
Each line keeps a link to the original filing and the title, so you can check the facts before you make contact.
A company that took a second bridging charge on the same property, or a new charge from a different lender, is marked in the list, because it often means the first loan was extended or refinanced elsewhere.
The lender named in each charge is shown as filed, so you can see which bridging lenders are active in your regions and how old their loans are.
If you already work with a borrower, you can add their company number to a watch list and get a note when a new charge is filed or an old one is satisfied.
It is meant for specialist lenders, commercial finance brokers and list builders who work with property developers and investors.
The service does not contact anyone for you: it gives you the list and the facts, and you decide who to approach.
You do not need to change your CRM; the spreadsheet fits the one you already use.
To start, you only need to choose your regions and the loan age you want to see.
Bridge Expiry works only with public records from Companies House and HM Land Registry.
UK specialist lenders, commercial finance brokers and list builders working with property borrowers.
Public charge filings at Companies House matched to titles at HM Land Registry.
No. It gives you the weekly list; you decide whom to approach.
Not yet. The service is being prepared, and we are checking whether UK lenders and brokers need it.