Enter the property
Start with the security postcode and purchase price.
Residential purchase bridging
Property finance.
Without the friction.
Fast, straightforward bridging finance for residential purchases. Get an indicative decision in minutes.
✓ No credit search✓ No obligation✓ For intermediaries
Indicative termsLive decision
✓
DecisionEligible in principle
- Gross loan
- £385,000
- Loan to value
- 70.0%
- Monthly rate
- 0.95%
- Interest
- Retained or serviced
Maximum 70% loan to value
Decision generated in00:47
Bridging built to move at the speed of your deal.
0.95% monthly rate70% max LTV1% exit fee£100k–£2m loan size
01 — The processFrom postcode to completion.
From postcode to completion.
One clear flow.
Instant assessment
Our rules engine checks the property and loan structure.
Indicative terms
Receive a clear AIP with rate, loan and conditions.
Complete digitally
Upload documents and track progress through to completion.
One product. One process.Purchase bridging,
Purchase bridging,
made straightforward.
Designed for clean residential purchases where speed and certainty matter.
PurposeResidential purchase
Maximum LTVUp to 70%
InterestRetained or serviced
Rate0.95% pcm
Exit fee1% of gross loan
SecurityEngland & Wales
02 — Where BridgeFlow fitsBuilt for deals where
Built for deals where
certainty matters.
One clear product for straightforward residential purchases—without forcing every case through a complicated process.
Auction purchases
Help clients meet a fixed completion deadline with a clear bridging route.
Chain-break finance
Keep a purchase moving when sale proceeds are delayed or a chain becomes uncertain.
Below-market purchases
Move quickly when an investor secures a compelling residential acquisition.
Light refurbishment
Fund a residential purchase where modest works support a clear sale or refinance exit.
Portfolio expansion
Give experienced landlords a responsive route to their next residential purchase.
Time-sensitive completions
Create momentum when a conventional lender cannot work to the required timetable.
Built with brokers in mindA clearer conversation
A clearer conversation
from the first enquiry.
BridgeFlow gives you an immediate product fit, transparent pricing and one place to follow the case—while KHK retains control of underwriting and paid searches.
- ✓Quote with confidenceLive LTV and pricing calculations based on the selected term and commission.
- ✓Control your commissionSelect 1%, 1.5% or 2%, with the rate adjusted fairly across the loan term.
- ✓Keep clients informedTrack the case from AIP submission through underwriting, legals and completion.
YOUR CASE FLOW
✓AIP submittedInstant
✓AI-assisted triageIn review
3KHK underwritingDecision
4Valuation & legalsProgress
5CompletionFunded
03 — Why BridgeFlowTechnology for speed.
Technology for speed.
People for judgment.
Focused technology
The platform handles calculations, information capture and initial criteria checks.
Human underwriting
KHK’s team controls lending decisions, valuations, paid searches and case progression.
Broker visibility
A clear dashboard keeps applications, requirements and updates in one place.
Frequently asked questionsUseful answers.
Useful answers.
Before you submit.
BridgeFlow is designed for property finance intermediaries placing straightforward residential purchase cases.
Who can use BridgeFlow?＋
Property finance brokers and intermediaries can register and submit an AIP without charge.
Does submitting an AIP trigger an AVM?＋
No. Brokers cannot incur paid-search costs. KHK decides when to instruct an AVM or any other chargeable check.
How is broker commission priced?＋
The 0.95% base rate includes 1% commission. Any additional commission is spread across the agreed loan term so KHK’s return remains consistent.
Can interest be serviced?＋
Yes. The broker can select retained interest or monthly serviced interest when structuring the facility.
Is an AIP a formal mortgage offer?＋
No. It is an indicative assessment only and remains subject to KHK underwriting, valuation, legal work and final approval.
What happens after submission?＋
BridgeFlow completes an AI-assisted triage, sends the case into KHK’s review queue and emails the broker when an indicative result is ready.
Ready when your case isPut your next purchase
Put your next purchase
into the flow.
Register free, check the structure and submit an AIP in minutes.