Bridging Loans
Short-term finance built for speed. Secure that auction property, break the chain, or raise fast capital while you wait for long-term funding.
Fast Custom Capital
When high-street banks take months, bridging lenders take days. Bridging finance is designed specifically for situations where speed is the primary objective:
Auction Finance
Purchasing at auction typically requires completion within 28 days. Mortgages rarely
complete this fast. We arrange pre-approved auction bridging lines that guarantee you have
the funds available to bid with absolute confidence.
Chain Breaking
If your buyer pulls out, but you have already committed to purchasing your onward home, a
bridging loan allows you to 'bridge the gap'. You can complete your new purchase
immediately, and repay the bridge once your original property finally sells.
Uninhabitable Properties
Traditional lenders won't mortgage a house without a functioning kitchen or bathroom.
Bridging finance ignores these strict conditions. You can use a bridge to buy the
dilapidated property, install the necessary facilities, and then quickly refinance onto a
cheaper, standard mortgage.
Rolled-Up Interest
To maximise your cash flow, the interest on bridging loans is typically 'retained' or
'rolled up'. This means there are no monthly payments to make during the loan term (usually
1 - 24 months). Instead, you repay the principal and accumulated interest all at once at the
end.
Focused On The Exit
A bridging loan is only as good as its exit strategy. Before we secure your short-term finance, our brokers ensure your long-term plan—whether that's selling the asset or refinancing onto a term mortgage—is rock solid and ready to execute.