Shaping the 2026 Bridging Market: People, Technology and Trends survey


MoneyAge is undertaking its latest survey with Black & White Bridging to understand how the mortgage industry uses bridging lenders, the ways in which technology and AI are used in the market and the biggest opportunities and risks in the next 12 months.

If you are actively involved in the mortgage industry, we would appreciate it if you could complete this short survey. It will take no longer than 10 minutes to complete. We will not publish any names of participants or their organisations in our report.

All participants in our survey will be entered into a prize draw to win £100 M&S vouchers!


Questions
1. What area of the mortgage market do you work in?
Broker
Lender
Intermediary
Underwriter
Other (please state)

2. What sector of the market do you primarily work across?
Residential
Commercial
Semi-commercial
Development
All of the above
None of the above
3. In what region does the majority of the business take place?
4. My confidence in the mortgage market has increased in the past 12 months
Strongly agree
Somewhat agree
Neither agree/disagree
Somewhat disagree
Strongly disagree
5. I expect my confidence in the mortgage market continuing to grow over the next 12 months
Strongly agree
Somewhat agree
Neither agree/disagree
Somewhat disagree
Strongly disagree
6. I have noticed an increase in consumer confidence in the last year
Strongly agree
Somewhat agree
Neither agree/disagree
Somewhat disagree
Strongly disagree
7. I anticipate continued growth in consumer confidence in the next 12 months
Strongly agree
Somewhat agree
Neither agree/disagree
Somewhat disagree
Strongly disagree
8. The role of the bridging industry has become more prominent in my day-to-day work
Strongly agree
Somewhat agree
Neither agree/disagree
Somewhat disagree
Strongly disagree
9. What does the bridging industry represent to me? (tick all that apply)
A people-first approach in the mortgage industry
An access to business funds
An opportunity to explore new business ventures
Redevelopment opportunities
None of the above
10. Recent technology advancements in the mortgage industry have streamlined my work
Strongly agree
Somewhat agree
Neither agree/disagree
Somewhat disagree
Strongly disagree
11. AI will revolutionise how I conduct my work within five years
Strongly agree
Somewhat agree
Neither agree/disagree
Somewhat disagree
Strongly disagree
12. If you have used technology/AI in the past 12 months in the workplace, what tasks was it for? (tick all that apply)
Document processing
Writing emails
Chatbot research
Advice
Lending decisions
None of the above
Other (please state)
13. The role of AI in my workplace will change how I conduct my work in the next two to five years
Strongly agree
Somewhat agree
Neither agree/disagree
Somewhat disagree
Strongly disagree
14. I have seen technology/AI replace job roles previously held by people in recent years
Strongly agree
Somewhat agree
Neither agree/disagree
Somewhat disagree
Strongly disagree
15. The use of AI has led to issues in the mortgage lending process
Strongly agree
Somewhat agree
Neither agree/disagree
Somewhat disagree
Strongly disagree
16. A people-first approach is crucial in how I conduct my business
Strongly agree
Somewhat agree
Neither agree/disagree
Somewhat disagree
Strongly disagree
17. What is the biggest risk to the mortgage industry currently? (Rank 1 to 5, 1 being the biggest risk)
Rank top three in order of importance
Bank of England base rate decisions
Consumer affordability
The first-time buyer market
Government policies
Property availability
18. What is the biggest opportunity for the bridging sector in the next 12 months?
Residential purchases (e.g. chain breaks, auctions, downsizing)
Commercial property acquisitions (including conversions)
Semi-commercial / mixed-use assets
Refinancing / re-bridging
Light and heavy refurbishment projects
Development exit finance
Regional growth markets outside London & the South East
Please complete your details below.

Data Use:
By ticking this box you are agreeing to provide MoneyAge (and its publisher PPL) with your contact details. These details may be used by the publisher to distribute email news, provide information and updates. This information will not be provided to third parties (except the sponsor of this particular survey, Black & White Bridging). Please note that all data is stored on EU-based storage systems, and that all PPL electronic communications have an unsubscribe function. In addition by checking this box, I confirm that I would like to receive communications and information regarding products, services and events from Black & White Bridging. I understand that I may withdraw my consent at any time.
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