Bridging Loans

Short-term finance to meet your property goals.

What Is a Bridging Loan?

A bridging loan is a secured loan typically used to buy property or raise capital quickly. The loan is repaid once a longer-term financial arrangement is in place or the asset is sold.

Bridging finance is commonly used for:

  • Property purchases with tight deadlines

  • Buying at auction

  • Preventing chain breaks

  • Renovation or refurbishment projects

  • Funding while awaiting sale proceeds

  • Business cash flow support using property as collateral

Funds are usually released within days, making bridging finance ideal for time-sensitive situations where traditional mortgages are too slow or unsuitable.

Types of Bridging Loans

Residential bridging loans – For homebuyers, landlords, or investors

  1. Commercial bridging loans – For purchasing or refinancing business premises

  2. Regulated bridging loans – For homeowners who will live in the property

  3. Unregulated bridging loans – For investment or business purposes

  4. Development exit bridging – To release capital from completed projects while waiting for sale or refinance

Typical Terms & Key Features

Loan size: £25,000 to £25 million+

  • Loan-to-value (LTV): Up to 80% (more with additional security)

  • Term length: 3 to 24 months (usually repaid in full at the end)

  • Interest rates: Monthly, rolled-up, retained, or serviced

  • Security: Secured against residential, commercial, or mixed-use property

Fast approval and minimal paperwork make bridging loans a go-to solution for urgent funding needs.

Who Can Use a Bridging Loan?

Bridging loans are available to:

  • Homeowners and first-time buyers

  • Property developers and investors

  • Buy-to-let landlords

  • Limited companies and SPVs

  • Self-employed and business owners

Even those with poor credit or unusual circumstances may qualify, depending on the strength of the exit strategy and available security.

Benefits of Bridging Loans

Speed: Funds in as little as 3–10 days

  1. Flexibility: Suitable for a wide range of personal and commercial needs

  2. Versatility: Use for purchases, refurbishments, refinance or debt consolidation

  3. No early repayment penalties with many lenders

  4. Works where traditional finance doesn’t

Need Fast Bridging Finance?

Whether you're buying a property at auction, funding a refurbishment, or preventing a chain break, a bridging loan could be the ideal solution. We work with leading bridging lenders across the UK to secure competitive rates and fast approvals.

Get in touch today to speak to an expert and get a free, no-obligation quote.

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