When opportunities can't wait, bridging loans provide quick access to capital. Whether you're buying before selling, renovating, or seizing an investment — we'll find the right bridging solution.
Some lenders can release funds in 48–72 hours
Typically 1–18 months, tailored to your timeline
Residential, commercial, land, and mixed-use accepted
We help you plan repayment from the outset
A bridging loan is short-term finance designed to 'bridge' a gap in funding — typically lasting 1 to 18 months. They're commonly used when you need to move fast and traditional mortgage timelines won't work.
Whether you're purchasing a new property before selling your existing one, buying at auction, funding a renovation, or seizing a time-sensitive investment opportunity — bridging finance provides quick access to capital.
Speed is the key advantage. While a standard mortgage can take 8–12 weeks, bridging loans can often be arranged in days. Some lenders can release funds in as little as 48–72 hours for straightforward cases.
All bridging lenders require a clear exit strategy — how the loan will be repaid. Common exits include selling a property, refinancing to a standard mortgage, or receiving expected funds. We'll help you plan this from the start.
From initial enquiry to funds released — bridging finance moves fast, and so do we.
Tell us what you need the funds for, the timescale, the security property, and your planned exit strategy. We can often give an initial indication the same day.
We approach our panel of bridging lenders to find the most competitive rate and terms for your specific scenario.
We present the offer with all costs clearly laid out — interest rate, arrangement fees, exit fees, and legal costs. No hidden charges.
Once agreed, we fast-track the valuation and legal work to get your funds released as quickly as possible — often within days.
Bridging loans are a powerful tool when used correctly. Here's what to consider before proceeding.
Every bridging loan requires a clear exit strategy — how you'll repay the loan. Common exits include selling a property, refinancing to a mortgage, or receiving funds from another source. We'll help you plan this.
Bridging loans charge monthly interest rates (typically 0.4–1.5% per month) rather than annual rates. While higher than a mortgage, the short-term nature means total costs can be manageable for the right situation.
As a first-time buyer, you pay no stamp duty on properties up to £300,000 and a reduced rate on properties up to £500,000 — saving you thousands.
With retained interest, the full interest is deducted upfront from the loan. With serviced interest, you make monthly payments. Retained is more common and means no monthly outgoings during the loan term.
Bridging lenders accept a range of security types — residential property, commercial premises, land, and mixed-use. The loan-to-value is typically up to 75%, though this varies by lender and property type.
Factor in the arrangement fee (typically 1–2% of the loan), valuation fee, legal fees, and exit fee. We'll provide a full cost breakdown upfront so you can assess whether bridging makes financial sense.
Answers to the questions we hear most about bridging finance.
A bridging loan is short-term finance (typically 1–18 months) secured against property. It's designed to 'bridge' a gap in funding — for example, buying a new home before your current one has sold, or purchasing at auction where speed is essential.
Bridging loans can often be arranged within days — much faster than a traditional mortgage. Some lenders can provide funds in as little as 48–72 hours for straightforward cases. More complex applications may take 1–2 weeks.
Common uses include buying before selling, auction purchases (where you typically need to complete within 28 days), property renovation, land purchases, breaking a chain, business purposes, and bridging a gap while awaiting other funds.
An exit strategy is your plan for repaying the bridging loan. All lenders require one before approving finance. The most common strategies are selling a property, refinancing to a standard mortgage, or receiving proceeds from another transaction. A strong exit strategy can help secure a better rate.
Costs include the monthly interest rate (0.4–1.5% per month), an arrangement fee (typically 1–2% of the loan), valuation and legal fees, and potentially an exit fee. We provide a full cost breakdown before you commit so there are no surprises.
Yes, bridging lenders are often more flexible than mainstream mortgage lenders when it comes to credit history. They focus primarily on the security property and the strength of your exit strategy. We have access to lenders who consider a range of credit profiles.
Book a free, no-obligation consultation. We'll assess your situation, explain the costs, and find the right bridging solution — often with an initial indication the same day.
