Three quarters of UK property investors intend to continue using bridging or development finance as a strategic tool to seize opportunities in the year ahead, according to latest research from West One Loans.

The research found that despite the challenges facing property investors in recent years, 59% of investors said their level of investment activity has remained consistent, while 10% reported increasing their activity. 

Thomas Cantor, Co-Head of Short-Term Finance at West One Loans, said: “The past two years have tested even the most experienced property investors, but the response has not been to retreat. Instead, many have used specialist finance to adapt quickly, unlock capital, and act decisively in a changing market. 

“With strong ongoing interest in new investments and a majority planning to use bridging or development finance again this year, demand for flexible, short-term funding is set to remain a core part of the property investment landscape.”

67% of investors having used one or both of these specialist finance options (bridging and development finance) over the past two years. 

Among investors using bridging finance, the ability to access funds quickly was the most valued benefit (33%), followed by flexibility to act on time-sensitive opportunities (26%). For development finance users, speed of funding and potential for stronger returns from larger projects were both highlighted by 21% of respondents. 

Looking ahead, 27% of investors are actively considering new property investments this year, with a further 22% open to investing depending on market conditions. Buy-to-let and refurbishment projects remain the most popular strategies.