Bridging Loans

A bridging loan is short-term finance secured on property, designed to ‘bridge’ a gap until a longer-term solution – usually a sale or refinance – is in place.

Common uses

• Buying a property quickly, before longer-term finance is arranged
• Breaking a chain on an investment purchase
• Buying property that is currently unmortgageable
• Raising capital against investment property for business purposes
• Refinancing an existing bridge that is nearing the end of its term

Typical features (illustrative)

• Term: typically 1–24 months
• Loan-to-value: typically up to 70–75% of the property value, subject to lender criteria
• Interest: typically charged monthly; may be retained, rolled up or serviced
• Security: first or second charge on residential, semi-commercial or commercial property
• Fees: typically arrangement, valuation and legal fees; some lenders charge exit fees

Your exit matters most

Lenders focus closely on how the loan will be repaid. We help you set out a realistic exit – sale, refinance or other – including a sensible timescale and a fallback plan.

Is it unregulated?

We only arrange bridging for business and investment purposes. We do not arrange loans secured on a home you or a family member live in.