Bridging Finance

Fast and flexible secured short-term loans that can help facilitate your next project, property acquisition and development.

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What is Bridging Finance?

Bridging finance loans are short-term loans that are used to bridge a financial gap, typically between the sale of one property and the purchase of another.

It is used to pay a debt that is due immediately or to develop a property before sale or remortgage. These loans are secured against property and typically accessed when a borrower needs quick access to funds.

Overall, bridging finance loans are a useful option for borrowers who need immediate access to funds to complete a property transaction.

Bridging finance is helpful for:
– Auction purchases
– Paying an urgent debt
– Property development or conversion
– Property purchase or re-finance
– Cash flow injection

Bridging finance is a way of purchasing property or raising funds quickly, in some circumstances as quickly as 48 hours, for those financial needs that are urgent and potentially short-lived.

Simple application process

Unlike other finance products that require a lot of information upfront, a bridging facility is mainly based on a property valuation.

First and second charge loans

This means that our funders can provide you with a bridging loan even if you already have a primary mortgage lender in place.

Funds available quickly

You can get a bridging loan in 5-14 days – far quicker than a traditional mortgage. The actual timescale will depend on the loan you’re taking and the lender chosen.

Option for no monthly payments

Bridging loans are fairly unique in borrowing terms as there are often no monthly payments to make. Instead, you repay your bridging loan interest at the same time as the loan is repaid.

Flexible terms

Bridging loans can be used for 2 weeks or 18 months. Funders have a range of options to create a bespoke timescale for your facility and funding requirements.

Property purchase flexibility

Unlike a traditional mortgage, unregulated bridging loans do not adhere to tick-box lending criteria. This means they can be shaped around an array of different property types.