BRIDGING LOANS
Bridging finance when timing matters.
Bridging finance is short-term secured lending for situations where timing matters, such as auction purchases, chain breaks or refurbishment projects. We help compare the route, likely costs, security position and exit strategy before you proceed.
Mortgage advice, made simple
Get clear advice before you apply.
Tell us about the purchase, timescale, security and exit route.
- FCA regulated, whole-of-market mortgage advice.
- No jargon and no pressure to proceed.
- We explain fees, risks and next steps before any application.
Your home may be repossessed if you do not keep up repayments on your mortgage. Some specialist or buy-to-let finance may not be regulated by the FCA.
Bridging finance is usually short-term secured lending. Interest, lender fees, broker fees, valuation fees, legal costs and repayment terms vary by lender, security and exit route. We are a broker, not a lender, and there is no guarantee of acceptance. The property used as security may be at risk if the finance is not repaid.
When bridging finance makes sense
Bridging loans fill the gap when conventional mortgages are too slow or the property does not meet standard lending criteria. They are short-term by design, with the full balance repaid at the end of the agreed term. Regulated bridging terms are generally limited to 12 months; some unregulated products run up to 24 months.
Interest can be rolled up into the loan so there are no monthly payments during the term. You repay everything, capital and interest, when the bridge is redeemed.
Common uses
Auction purchases
Auction deadlines vary and a standard mortgage may not complete in time. Check the contract and confirm funding, valuation and legal requirements before bidding.
Chain breaks
If your buyer falls through but you have already committed to your onward purchase, a bridge lets you complete now and repay once your original property sells.
Uninhabitable properties
Standard lenders will not mortgage a property without a working kitchen or bathroom. A bridge lets you buy it, do the work, then refinance onto a normal mortgage.
Refurbishment funding
Purchase plus works funding for properties that need renovation before they can be let or sold. We structure bridges with a works facility built in.
Common questions
Regulated vs unregulated bridging
How quickly can you complete?
What is the cost?
Exit strategy requirements
Focused on the exit
A bridging loan is only as good as its exit strategy. Before we submit your application, we make sure your long-term plan, whether that is selling the asset or refinancing onto a term mortgage, is solid and ready to execute.
