Chain Breaks
Your purchase is ready but your sale hasn't completed. A bridging loan lets you proceed without losing your purchase, repaid when your property sells.
Short-term property finance for acquisitions, chain breaks, auction purchases and refurbishments. Specialist lender access, structured around your exit strategy, with the speed the deal actually requires.
Bridging finance is a short-term secured loan that fills the gap between a current need and a longer-term solution. Used properly, it lets you move at a pace standard mortgages cannot match, secure assets that are not yet mortgageable, and structure cash flow around the project rather than the calendar.
Bridge the gap while you arrange permanent finance, sell a property, or complete a project.
We work with bridging lenders across the full spectrum, residential, commercial and development.
First charge bridging for primary security, second charge where existing finance is already in place.
Interest can be serviced monthly or rolled up and repaid at the end of the term, preserving your cash flow.
Bridging is used whenever speed or flexibility is required and a standard mortgage won't work. Here are the most common scenarios we handle.
Your purchase is ready but your sale hasn't completed. A bridging loan lets you proceed without losing your purchase, repaid when your property sells.
Auction completions require funds within 28 days, far too fast for a standard mortgage. We arrange bridging finance to meet auction deadlines comfortably.
Properties without a kitchen, bathroom or habitable space can't be mortgaged conventionally. Bridging finance funds the purchase and refurbishment until the property is mortgageable.
The BRR strategy uses bridging to acquire and refurbish a property, then refinances onto a buy-to-let mortgage once the works are complete and the value has increased.
Converting a commercial building to residential use? Bridging finance funds the acquisition and conversion, with an exit onto development or buy-to-let finance.
A motivated seller, a below-market deal, or a funding gap in a portfolio. Bridging lets you move at the pace the deal requires, not at the pace a standard mortgage allows.
Most bridging loans roll the interest up and repay it at the end. Put in the property value, the loan size, the term and the rate to see net advance, rolled interest and the total repayable. Indicative only, not advice.
Indicative only. Assumes interest rolled monthly on a compound basis, arrangement fee added to the gross loan, no exit fee. Real terms depend on the specific lender, security, exit strategy and credit profile. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.
We talk through your situation, requirements, timescales and exit strategy to understand exactly what you need.
We search our whole-of-market panel of specialist bridging lenders to identify the most competitive and suitable options.
We obtain a Decision in Principle from the selected lender, typically within 24–48 hours of application.
The lender arranges a valuation and solicitors are instructed. We manage the process and chase every step of the way.
Funds are released. Most of our bridging loans complete within 5–10 working days of application.
In many cases we can arrange bridging finance within 5–10 working days. The exact timescale depends on the lender, valuation speed and legal work. For truly urgent situations, some lenders can release funds in as little as 48–72 hours where the security is straightforward.
Most bridging lenders offer up to 75% LTV on standard residential or commercial security. Some lenders will go to 80% LTV in certain circumstances. The LTV available depends on the property type, location and exit strategy.
Yes, lenders require a credible exit strategy before they will lend. Common exits include the sale of a property, refinancing onto a long-term mortgage, or the proceeds of another asset. We help you structure your exit clearly to maximise the chances of approval.
Yes, in many cases. Bridging lenders are primarily focused on the security (the property) and the exit strategy rather than your credit history. We work with specialist bridging lenders who consider adverse credit cases, contact us to discuss your specific situation.
Bridging finance is secured against property, residential, commercial, land or mixed-use. First charge security is preferred by most lenders but second charge bridging is available where there is sufficient equity in the property.
Bridging loan interest rates typically range from 0.5%–1.5% per month depending on the loan size, LTV, property type and lender. There are also arrangement fees (typically 1–2% of the loan), legal fees and valuation costs. We provide a full cost breakdown before you commit to anything.
Bridging looks simple from the outside. The cases we see make clear it almost never is. Here is how we approach yours.
We do not chase the lowest monthly rate. We structure the deal around the credibility of the exit, because that is what the lender funds and what the project actually needs.
Our panel includes private banks, specialist bridging firms and boutique funds that do not deal with the general public. That access is the difference between getting it done and not.
Bridging is high-cost short-term debt. We tell you what it actually costs in pounds, where the risks sit, and when a different structure makes more sense. No surprises at completion.
Tell us about the property, the exit and the timeline. We come back with realistic options before you speak to anyone.
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