Bridging loans are short-term secured loans (typically 12 months) designed to “bridge” a financial gap until permanent funding is arranged or a property is sold.
Contracts exchange when the hammer drops, you may only have 28 days to complete!
Bridging can be used to complete on your dream home without waiting for your sale.
You can use bridging to fund renovations before refinancing to a standard mortgage
Use bridging to secure the property at a good price then refurbish and remortgage.
Quick property purchases when speed is critical
Use the equity in your home to support business growth or cashflow.
Unlike standard mortgages (6-12 weeks), bridging loans can complete in 7-14 days when needed.
Most bridging lenders offer up to 75% LTV, though some specialist lenders go higher for strong cases.
Expect arrangement fees (1-2% of loan), valuation fees, and legal fees. We'll give you a complete cost breakdown upfront.
Interest rates are higher than mortgages (typically 0.5%-1.5% per month) but you're paying for flexibility and speed, not long-term borrowing.
Every bridging loan needs a clear exit plan—how you'll repay it. Common exits include:
You’ve found a property at auction selling below market value. Auction rules require exchange on the day and completion, often, within 28 days. A bridging loan gives you the funds immediately.
You’ve found your perfect home but your buyer has pulled out. Rather than lose your dream property, a bridging loan lets you proceed. You repay it when your property eventually sells.
You want to buy a run-down property, renovate it, then remortgage onto a standard mortgage based on the improved value. Bridging finance covers the purchase and renovation costs.
Your property sale has fallen through but you’ve already committed to buying your next home. Bridging keeps your purchase on track.
A unique opportunity requires immediate funds. Bridging finance lets you move at speed while traditional financing catches up.
A business opportunity (bankrupt stock, machinery sell off, ideal property) presents itself at the wrong time! Will you miss it or seize the day?
We work with 50+ bridging lenders, from high-street names to specialist funders.
Adverse credit, limited documentation, unusual properties—we find lenders who say yes.
We ensure your exit strategy is realistic and acceptable to lenders before you proceed.
Our relationships with lenders mean quicker decisions and faster fund releases.
No hidden surprises. We provide full cost breakdowns before you commit.
With all documentation ready, we can arrange funds in 7-14 days. Some lenders offer 72-hour completions for urgent cases.
Monthly rates range from 0.5% to 1.5% depending on loan size, LTV, and your circumstances. We’ll find the most competitive rate for your situation.
Yes. Bridging lenders focus on property value and exit strategy rather than detailed income assessment.
You can choose “serviced” bridging (pay interest monthly) or “retained” bridging (interest rolls up and is paid at the end). Retained is more expensive but improves short-term cash flow.
Most bridging loans can be extended, though extension fees apply. We always build buffer time into loan terms. We’ll be in touch with you to make sure you’re on track.
Bridging loans are secured against property. If you can’t repay when the term ends, the lender can force a sale.
That’s why exit planning is critical—and why we spend time ensuring your exit is realistic.