Property finance platform Brickflow has completed 20 specialist bridging transactions for mortgage broker Loans Warehouse over the past six months, totalling more than £4.5 million in lending.
The cases involved unregulated bridging secured against residential and commercial property in England and Wales. They come amid higher volumes of short-term property finance and increasingly complex remortgage activity.
Market backdrop
Data from the Bridging & Development Lenders Association shows bridging applications totalled £11.7 billion in Q4 2025. The Finance & Leasing Association has also reported a shift in remortgage behaviour, with as many as 30% of remortgages involving borrowers raising additional capital, rather than only refinancing existing balances.
Bridging loans are often used for short-term funding, such as purchases, refurbishments, and time-sensitive transactions. Because unregulated bridging falls outside the scope of regulated mortgage lending, brokers must carefully document lender selection and keep underwriting considerations in mind. In this environment, sourcing tools that compare lenders by criteria such as loan size and pricing have become more prominent in specialist finance workflows.
How the cases worked
Brickflow operates as a digital marketplace for specialist property finance, listing rates and criteria from more than 150 specialist lenders. It also provides Decisions in Principle, as well as embedded and white-label options for brokers.
Loans Warehouse used the platform across 20 cases completed in the past six months, with total completions exceeding £4.5 million.
One transaction involved a borrower seeking to raise additional capital against a property nearing completion of refurbishment. The borrower already had a bridging facility in place, and a higher valuation created scope to refinance and increase borrowing.
Brickflow was used to sort lenders by net loan size, helping Loans Warehouse identify lenders able to offer a larger advance. The borrower prioritised capital raising over interest rate, according to details shared about the transaction.
Broker view
Loans Warehouse has used Brickflow for nearly two years and integrated it into its bridging finance workflow.
"We believe Brickflow is the best solution in the market for bridging loan sourcing. We've been using the platform for nearly two years, and it consistently delivers results, enabling us to clearly demonstrate our research and add real speed to the process. It has become a seamless part of our bridging finance workflow," said Vikki Edwards, Head of Bridging & Development at Loans Warehouse.
Edwards also highlighted the use of filters such as net loan size and rate in underwriting and lender selection. This functionality was described as a way to evidence market search and justify a placement by showing options across available lenders.
Platform focus
Brickflow positions itself as a digital route into specialist property finance for brokers and borrowers, combining lender criteria and pricing with features designed to shorten early-stage decision-making, including near-instant Decisions in Principle.
It also offers embedded and white-label products that sit within a broker's own customer journey. These options are becoming more common across financial services as intermediaries seek to standardise processes, improve data capture and provide consistent application steps across lenders.
For brokers in bridging and development lending, day-to-day execution can depend on the speed of assessment, clarity of lender appetite, and the ability to compare fee structures and loan sizes. Those requirements can increase when a case involves refinancing during a refurbishment or when a borrower's priority is maximum capital release.
Loans Warehouse specialises in second-charge mortgages, bridging finance, and development lending. It operates across both regulated and unregulated bridging and provides services through UK mortgage networks, according to its activity description.
Brickflow expects brokers to continue using its sourcing and application tools for specialist cases across residential and commercial property in England and Wales.