Bridging Loans

Fast bridging loan finance when you need it most

When speed is critical, bridging loans provide fast, flexible property finance. We work with specialist lenders who can provide indicative decisions within hours and complete in as little as 7 days.

Within hours
Decision
From 7 days
Completion
Up to 80%
Max LTV
1–24 months
Terms
Urgent? Call now: 0844 884 9748
Step 2 of 3

Tell us about the property

Approximate figures are fine — we'll work out the details together.

When is a bridging loan the right solution?

Bridging loans solve time-sensitive property finance problems that standard mortgages can't.

Breaking a property chain

Buy your new home before selling your current one without the stress of synchronising completions.

Auction purchases

Auctions require completion in 28 days. Bridging loans can be arranged in time to meet this tight deadline.

Uninhabitable property

Many mortgage lenders won't lend on properties in poor condition. A bridging loan lets you buy and renovate first.

Development finance

Fund property development projects including conversions, refurbishments, and new builds.

Commercial to residential

Finance permitted development or planning-stage conversions that standard lenders won't touch.

Capital raising

Raise capital quickly against property you own when traditional lenders can't move fast enough.

Understanding bridging loans

A bridging loan is a short-term secured loan used to "bridge" a gap in property finance. They are typically used when you need to move quickly — faster than a traditional mortgage allows — or when the property or situation doesn't fit standard mortgage criteria.

Bridging loans are secured against property (either the property being purchased or existing property you own) and can be arranged on a first or second charge basis. Interest is typically "rolled up" and paid when the loan is redeemed, meaning there are no monthly interest payments — though this does increase the overall cost.

The key to a successful bridging loan is a credible, well-documented exit strategy. Lenders want to know exactly how and when you will repay the loan before they approve it. Common exits include the sale of a property, refinancing onto a standard mortgage once renovations are complete, or the drawdown of development finance.

As your broker, we assess your situation, recommend the most appropriate lender, prepare your application, and manage the process through to completion — ensuring speed without compromising on the best available terms.

Bridging loan FAQs

How quickly can a bridging loan be arranged?
Bridging loans can be arranged much faster than standard mortgages. With all documentation ready, a straightforward bridging loan can be completed in 7–14 days. More complex cases may take 3–4 weeks. We work with lenders who can provide indicative decisions within hours.
What are typical bridging loan rates?
Bridging loan rates are quoted monthly rather than annually (e.g., 0.55%–1.5% per month). The rate depends on the loan-to-value, property type, your exit strategy, and the lender. We search the market to find the most competitive rate for your situation.
What is an exit strategy and why does it matter?
An exit strategy is your plan for repaying the bridging loan — typically the sale of the property, or refinancing onto a long-term mortgage. Lenders require a credible exit strategy before approving a bridging loan. We help you formulate and present this effectively.
Can I get a bridging loan with bad credit?
Yes. Bridging lenders are primarily asset-based lenders — they focus more on the value of the security and the exit strategy than on credit history. We work with specialist lenders who can accommodate adverse credit.
What is the maximum term for a bridging loan?
Bridging loans are designed to be short-term — typically 1 to 24 months. The maximum term varies by lender. You repay the loan (plus rolled-up interest) when your exit strategy completes. Interest can usually be rolled up so there are no monthly payments.
Are bridging loans regulated?
First charge bridging loans where the security is your main residence are regulated by the Financial Conduct Authority. Most commercial and investment bridging loans are unregulated. We will confirm the regulatory position for your specific loan at the outset.

Need a bridging loan fast?

We provide fast decisions and work to complete your bridging loan as quickly as possible. Call us now for urgent enquiries.

Get a Free Initial QuoteCall 0844 884 9748

Security may be required. Bridging loans are not suitable for long-term borrowing. Your property may be repossessed if you do not repay.

Some forms of Bridging Loans are not regulated by the Financial Conduct Authority.