Bridging Loans
Short-term finance to bridge the gap. Fast decisions when you need to move quickly.
- No credit score impact
- No judgement
- Trusted Experts
When Do You Need a Bridging Loan?
When Do You Need a Bridging Loan?
Bridging loans provide short-term finance (typically 1-18 months) when you need to move faster than a traditional mortgage allows or have a property that can't get standard finance yet.
Common situations: Buying at auction with 28-day deadlines, purchasing unmortgageable properties that need renovation, buying before your current property sells, or funding development work.
The key difference from mortgages is speed and flexibility. Bridging loans can complete in days, and lenders focus on your exit strategy (how you'll repay) rather than your income.
We know which bridging lenders work with which situations. We'll review your circumstances and exit strategy, then match you to lenders whose criteria and timelines fit. We also make sure you understand the costs - bridging is more expensive than mortgages, so competitive rates and a clear exit plan matter.
Bridging Finance
Competitive Bridging Loan Rates
Flexible finance for purchases, refurbishments, and developments
Monthly Interest Rate From
0.59%
Subject to status and property valuation
Maximum LTV
Up to 75%
Loan Term
1 - 24 months
Loan Amount
£50K - £15M
Setup Fee
2%
Important information
Rates, terms, and fees vary by lender and are assessed based on the status, property, condition, valuation, and exit strategy. Early repayment charges may apply. This is a secured loan against property.
No obligation • Quick decision • Expert support
Why Us
Access to competitive rates
Bridging can be expensive - the right lender saves thousands. We find competitive rates and explain all costs upfront.
Beyond standard criteria
Advice shaped around real-world circumstances, not tick-box lending.
No upfront fees. No obligation
You won't pay to explore your options, and you'll speak to a real person who understands complex situations.
Trusted When Your Mortgage
Really Matters
- £ 2.2 billion
- Total borrowing arranged
- 13,310+
- Mortgages approved
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Bridging loans -
what you need to know
What Are Bridging Loans?
Bridging loans are short-term secured loans against property, typically repaid within 1-18 months. Interest can be paid monthly or rolled up and paid at the end. Loan sizes from £25,000 upwards.
Unlike mortgages, bridging lenders don't focus on income - they're interested in property value and your exit strategy.
Why Might You Need One?
- Auction purchases - Complete within 28 days to meet auction deadlines.
- Chain breaks - Buy your next property before selling your current one.
- Unmortgageable properties - Fund purchase and renovation of properties that can't get standard mortgages, then refinance once work is done.
- Development projects - Finance property conversion or heavy refurbishment during the work phase.
- Time-sensitive opportunities - Secure properties that require immediate finance.
How Do Lenders Assess Bridging Loans?
- Exit strategy - How will you repay? Selling a property, refinancing to a mortgage, or receiving funds from another source. This must be realistic and achievable within the loan term.
- Property value (LTV) - Lenders typically offer 50-75% of property value. Lower LTV means better rates.
- Property condition - They'll lend on properties needing major work or uninhabitable properties, unlike mortgage lenders. Condition affects LTV.
- Timeline - Decisions often within 48-72 hours. Completion possible in 1-2 weeks for straightforward cases.
Your Property. Your Timeline. Our Solution.
Flexible bridging finance for chain breaks, refurbs, and time-critical deals.
Completed my bridge in 4 days when my original lender let me down. Fast, professional, and saved my deal.
Bridging Loan FAQs
Speak to a Real
Mortgage Expert
Mortgages are complex. The best way to understand your options is to speak to an expert—and we're here to help.
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Meet Some of Our Mortgage Specialists
Real people ready to help you find the right mortgage
Geoff Mossman
Bridging & Commercial finance specialist
Jordan Constanti
Bridging, BTL specialist
Lewis Mills
Mortgage and bridging specialist
Examples from our wider team of mortgage specialists
You don't need to choose — we'll connect you with the right adviser
Important Information: Bridging Loans
Most bridging loans are not regulated by the Financial Conduct Authority. Where a mortgage is not regulated, you may have fewer rights and protections. You must have a credible exit strategy to repay the loan by the agreed date, such as sale of the property, refinancing to a mortgage, or other confirmed funds. Failure to repay may result in additional charges, penalty rates, and potential repossession of your property.