Short-term finance that bridges the gap
Bridging loans are fast, flexible, and designed for situations where a standard mortgage will not work. Chain breaks, auction purchases, renovation projects — we find the right lender for your exit.
Your home/property may be repossessed if you do not keep up repayments on your mortgage.
*This service is offered by a trusted third-party.
What is bridging finance?
Fast, flexible, property-secured short-term lending
A bridging loan is a short-term secured loan — typically between one and twenty-four months — designed to bridge a gap between two transactions or situations. Unlike a mortgage, bridging finance can often be arranged very quickly, sometimes within days, which makes it ideal for time-sensitive situations.
The exit strategy is crucial. Lenders want to know how the loan will be repaid — whether that is through the sale of a property, refinancing onto a longer-term mortgage, or another defined route. A credible, realistic exit is the foundation of any successful bridging application.
Bridging loans fall into two categories: regulated (where you or a close family member will occupy the property) and unregulated (investment and commercial purposes). The FCA regulates only regulated bridging loans, which provides additional consumer protections.
When bridging finance is used
- Chain break — purchase before existing sale completes
- Auction purchase — 28-day completion window
- Property renovation before refinancing
- Uninhabitable property — not accepted by standard mortgage lenders
- Land or development finance
- Downsizing — buy the new home before selling the old
- Business purchase or cash flow requirement
- Divorce settlement — release equity quickly
Why choose us
Bridging finance handled with precision
Fast turnaround
When timing matters — and in bridging, it usually does — we move quickly. We know which lenders can move fastest and which are best suited to your specific security and exit strategy.
Exit strategy planning
A bridging loan without a clear exit is an expensive mistake. We work through your exit strategy with you — sale, refinance, or otherwise — to ensure it is realistic and accepted by the lender.
Comprehensive lender panel
Bridging lenders vary significantly in their appetite, costs, and speed. We search a comprehensive range of lenders to find the lender whose product fits your security, exit, and timeline — not just the cheapest headline rate.
Our process
How bridging finance works with us
Situation & exit review
We review your situation, the security property, the loan you need, and your exit strategy. We tell you quickly whether the deal is achievable and what it will cost in total.
Lender selection
We identify the lenders best suited to your security type, loan term, and exit route — then work to secure a Decision in Principle as quickly as possible.
Completion
We manage the legal and valuation process to ensure funds are released to your timeline. For auction purchases and chain breaks, speed is everything — we deliver.
Common questions
Bridging loan FAQs
Key questions about bridging finance answered clearly.
In some cases, funds can be released within 5–10 working days, though 2–4 weeks is more typical for standard residential bridging. Complex cases or unusual security can take longer. Speed depends heavily on the lender, the solicitors involved, and how quickly valuations can be arranged. We always tell you what is realistic for your timeline before you commit.
Bridging loans are priced by monthly interest rate rather than an annual rate, and costs vary significantly by lender, loan-to-value, security type, and exit strength. In addition to the monthly interest, there are typically arrangement fees, valuation fees, and legal fees to account for. We always present the total cost of the loan — not just the headline rate — so you can make an informed decision.
Your exit strategy is how you plan to repay the bridging loan at the end of the term. Common exits include selling the security property, refinancing onto a long-term mortgage, or using funds from another transaction. Lenders require a credible exit before approving bridging finance — a weak or undefined exit will result in a decline or a much higher rate.
Regulated bridging loans are used when you (or an immediate family member) will occupy the property being used as security. They are regulated by the FCA, which means you have access to the Financial Ombudsman Service and additional consumer protections. Unregulated bridging is for investment and commercial purposes and falls outside FCA oversight. We always ensure you understand which category applies to your situation.
Need bridging finance arranged fast?
Tell us your situation and exit strategy — we will tell you what is achievable and at what cost.
Initial consultations are completely free of charge. There may be a fee for mortgage advice. The precise amount will depend upon your circumstances and will be agreed with you before proceeding but will range from £150 to £500 and this will be discussed and agreed with you at the earliest opportunity.