Bridging Finance

Bridging finance is a short-term loan secured against property, designed to 'bridge' a gap in funding until a longer-term solution is in place. Whether you need to move quickly on a property purchase, fund a refurbishment before refinancing, or secure a property at auction, bridging finance provides the speed and flexibility that traditional mortgage products cannot match.

When to Use Bridging Finance

Bridging loans are used in a wide variety of situations. Common uses include purchasing a property before selling an existing one, buying at auction where completion is required within 28 days, funding a property refurbishment or conversion before refinancing onto a mortgage, acquiring land or property with planning issues that prevent traditional mortgage lending, and breaking a property chain. The key advantage of bridging finance is speed — we can often arrange funds within days rather than weeks.

Regulated and Unregulated Bridging Loans

Bridging loans are classified as either regulated or unregulated. Regulated bridging loans apply where the borrower or a close family member intends to occupy the property. Unregulated bridging loans apply to investment and commercial property transactions. The distinction affects which lenders can offer the product and the regulatory framework that applies. We will advise you on which type of bridging loan is appropriate for your situation and ensure you are fully informed before proceeding.

Key Benefits

• Funds available in as little as 3–5 working days
• Loans from £50,000 to £25m+
• Residential, commercial and mixed-use properties
• First and second charge options
• Interest can be rolled up or retained
• No monthly repayments during the term
• Flexible exit strategies accepted
• Adverse credit considered

Frequently Asked Questions