Bridging

Loans

Bridging finance offers a fast, flexible way to access short-term funding — ideal when you need to move quickly and a longer-term solution isn’t yet in place.

What is Bridging Finance?

Bridging finance is a short-term funding tool designed to unlock capital fast. It’s ideal for situations where traditional lending may not work due to time constraints or specific asset profiles. Whether you’re buying a property before selling your existing one, taking advantage of an investment opportunity, or need funding against a non-mortgageable asset, bridging finance can step in.

It’s flexible, fast, and can be used across residential, commercial, or land acquisitions — but it’s crucial to structure the loan with a clear exit strategy and awareness of total costs.

How Does Bridging Finance Work?

Bridging loans are secured against property and typically arranged within days. Funds are usually repaid through a refinance or sale of the property. They provide short-term liquidity — giving you the financial breathing room needed to complete deals or cover temporary funding gaps.

CRITERIA HIGHLIGHTS

  • Available for Residential & Commercial Properties

  • Loans from £500,000

  • Staged drawdowns available

  • Lending across England, Wales & Scotland

  • Rates from 0.65% per calendar month

  • Loan terms from 1 to 24 months

  • Up to 100% LTV (with additional security)

  • Interest can be serviced, rolled-up, or retained

  • Tailored pricing based on asset and borrower profile



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AREAS WE CAN HELP

  • Auction purchases with tight completion timelines

  • Chain breaks on residential property sales

  • Buying before selling an existing property

  • Securing sites for future development

  • Refurbishment or light works prior to refinancing

  • Short-term capital raises against unencumbered assets

  • Bridging for overseas or non-resident buyers

  • Quick refinance to repay maturing loans

 

Frequently Asked Question

We’re happy to answer your questions directly, but here are responses to some of the most common queries we receive about bridging finance — to help you get clarity from the start.

How quickly can I get a bridging loan?

Bridging loans can often be completed within few weeks, depending on the complexity of the case and how quickly documentation is provided, valuation and solicitors are instructed.

What’s the difference between regulated and unregulated bridging finance?

Regulated loans are for properties you or your family will live in. Unregulated bridging is for investment or business purposes. The process and documentation differ for each.

Do I need an exit strategy to get approved?

Yes — lenders will require a clear and realistic repayment plan, such as sale of the property, long-term refinancing, or proceeds from another transaction.

Can I get a bridging loan with bad credit?

Yes, some lenders accept adverse credit if there’s a strong asset and exit. Each case is assessed on its own merits.

What kind of properties can bridging finance be used for?

Almost any — residential, commercial, mixed-use, uninhabitable properties, or land. It’s ideal for situations where traditional lenders won’t lend.

Can I use bridging finance for refurbishments?

Absolutely. Bridging is often used for light to moderate works before refinancing or sale — particularly when the property isn’t mortgageable in its current condition.

Can I use a bridging loan to buy a property at auction?

Yes — bridging loans are commonly used for auction purchases due to the need for fast completion, typically within 28 days. We can arrange funding quickly so you can meet tight deadlines with confidence.