Bridging in Northern Ireland: funding growth

Northern Ireland is an incredible place, home to rugged coastlines, rolling countryside and vibrant communities. As a born and bred Northern Irishman, I may be a little biased. I’m not, however, biased about the opportunity that Northern Ireland offers for property investment.

The recently released House Price Index (HPI) Q2 2025 reports revealed that residential property prices in Northern Ireland grew faster than inflation in the 12 months ending June 2025 - unlike in England - with a 5.5% HPI compared to a 3.6% Consumer Price Index (CPI). This is good news for investors in the region and a sign of confidence in the strength and stability of the market.

What’s more, the reports confirmed an average residential property price in Northern Ireland of £185,108 which is significantly lower than England’s average of £290,956. This lower entry point doesn’t just reduce the upfront investment, it also means a smaller stamp duty bill. An investment buyer purchasing the average Northern Irish home would save £8,638 in stamp duty compared to buying the average home in England.

For developers looking to flip properties and landlords looking to scale their portfolios, these figures are not only appealing, they’re financially strategic. Lower entry costs combined with stronger relative growth make the region a compelling proposition.

Of course, as with everywhere, local expertise offers an advantage. Working with trusted partners who understand the market, as well as all of the possible finance options, can significantly impact a project's success.

As a bridging lender who funds in Northern Ireland, we’ve assisted developers and landlords the length and breadth of the region, from Ballycastle to Kilkeel and Derry to Newtownards.

Our versatile and highly competitive Northern Ireland Bridge and Northern Ireland Specialist 3 & 5 Year BTL loans have enabled our borrowers to deliver on a wide variety of objectives. Uses for these products have included investment property purchases, light refurbishments, house to flat and HMO conversions, ground up development facility refinances, property portfolio consolidations and business cash flow releases.

We pride ourselves on working flexibly with our clients, creating bespoke solutions with highly competitive interest rates from just 0.84% per month for Northern Irish bridging loans starting at £100,000. Our understanding of the nuances of the market in Northern Ireland means that we can deliver speed and certainty of funding and our commitment to personal service helps to ensure that our deals progress smoothly and efficiently.

For savvy developers and landlords, with support from intermediaries and lenders who are experts in the region, Northern Ireland offers the opportunity to maximise returns and build long-term value in a growing market.