Data from Knowledge Bank has shown that regulated bridging remained the most searched criterion among brokers, demonstrating how central it is in the market.

At the same time, the latest Bridging Trends report reveals that completion times have dropped dramatically—down 23% from 58 days in 2023 to just 47 days in 2024.

But what does this acceleration mean for the future of bridging finance, and what can we expect in 2025?

Speed matters more than ever

The sharp reduction in completion times signals a broader shift in the industry—one that prioritises efficiency, accessibility, and borrower confidence.

As competition among lenders increases, the ability to offer faster completions is no longer just a value-add; it’s a necessity. In an environment where property transactions can be time-sensitive, a streamlined process can make the difference between securing a deal or missing out.

Technology is playing a key role in this transformation.

Lenders are increasingly adopting digital underwriting tools, automated valuation models (AVMs), and AI-driven risk assessments, allowing for quicker decisions without compromising on due diligence.

Borrowers and brokers alike are benefiting from a more seamless, responsive experience.

Regulatory considerations and market stability

The growing demand for regulated bridging highlights the need for more transparent and consumer-friendly lending solutions.

As property buyers seek alternatives to traditional mortgages—whether due to chain breaks, auction purchases, or urgent capital requirements—bridging loans are filling the gap more frequently.

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With this increased reliance comes the expectation of stronger regulatory oversight.

In 2025, we can expect further refinements in compliance requirements, ensuring borrowers receive fair and responsible lending solutions.

Lenders that proactively align with best practices and regulatory expectations will be well-positioned to thrive in this evolving market.

What to expect in 2025

1. even faster completions – The industry benchmark for completion times is likely to keep decreasing. Lenders that fail to keep up will struggle to compete
2. greater digital integration – Expect more automation in underwriting and decision-making, reducing paperwork and streamlining approvals
3. more competitive products – As bridging becomes more mainstream, lenders will refine their offerings, introducing more flexible terms and innovative solutions
4. higher borrower expectations – Speed, transparency, and customer service will continue to be key differentiators in the market
5. stronger regulation – A focus on responsible lending will shape how regulated bridging evolves, ensuring borrower protection remains a priority

The future is bright for bridging

The figures from 2024 confirm what many in the industry have anticipated—bridging finance is not only here to stay but is evolving rapidly to meet the changing needs of property buyers and investors.

Those who embrace efficiency, innovation, and customer-centric lending will define the future of the sector.

If 2024 was the year bridging finance sped up, 2025 promises to be the year it becomes even more seamless, efficient, and indispensable.