Bridging Finance
Made Easy
Get the property financing you need, when you need it.
We provide competitive bridging loans throughout the UK for residential relocations and investment opportunities.
Check your eligibility in minutes.
Won’t impact your credit score.
Whether you’re moving home, investing in a property, refurbishing a property, consolidating debt or simply rebridging, our team of experienced advisors and case managers will hold your hand from enquiry to completion.
Our Bridging Process
Your bridging journey begins with a comprehensive consultation with one of our friendly advisors. During this stage, we’ll take the time to understand your unique circumstances, financial goals, and preferences.
Armed with a deep understanding of your needs, your dedicated advisor will search our panel of lenders, comparing offers from our panel of over 20 lenders. With access to specialist products, we’ll identify the bridging loan solution that best aligns with your objectives.
Once we’ve found the perfect bridging deal, your advisor will guide you through the application process and do all the hard work for you, ensuring all required documentation is in order and your submission is handled with precision.
At this stage, your dedicated case manager will look after you. It is their job to ensure that your bridging loan is completed as smoothly as possible and in timely manner, whilst keeping you updated, every step of the way.
FAQs
Bridging finance is a short-term loan, typically secured against property, used to “bridge” a gap in funding — for example, when buying a new property before selling an existing one, or when quick access to capital is needed and a traditional mortgage would take too long to arrange.
Bridging finance can be regulated or unregulated depending on the purpose of the borrowing, the property and your circumstances.
Most bridging loans run from a few weeks up to 12–24 months, though some lenders offer terms up to 36 months. They’re designed to be short-term and are usually repaid (“exited”) once a longer-term finance solution or sale completes.
One of the main appeals of bridging finance is speed. Funds can sometimes be released in as little as a few days to a couple of weeks, compared to the weeks or months a standard mortgage can take, though timing depends on the lender, valuation, and legal work involved.
Common uses include buying property at auction, breaking a property chain, funding a renovation or development before refinancing, purchasing land, resolving a short-term cash flow issue, or paying an unexpected tax bill.
A closed bridging loan has a fixed, agreed repayment date, usually because an exit (like a sale completion) is already set. An open bridging loan doesn’t have a fixed repayment date, though most lenders still expect it to be repaid within 12 months and will want a credible exit strategy.
This depends on the value of the security property and the lender’s loan-to-value (LTV) criteria — often up to around 70–75% of the property’s value, sometimes higher against additional security. Some lenders also consider the value after works (GDV) for refurbishment projects.
The exit strategy is how you plan to repay the loan — for example, selling a property, refinancing onto a mortgage, or receiving funds from another source. Lenders will assess how realistic and reliable this plan is before approving the loan.
Credit history matters less than with standard mortgages, since lending decisions focus more on the value of the security property and the strength of the exit strategy. That said, some lenders will still review credit history as part of their overall risk assessment.
Your initial enquiry will not involve a credit check , and we’ll ask for your consent before any is done. This is usually a soft search that is not visible to other lenders and does not affect your credit file
If you proceed with an application, the lender may carry out credit and other checks. Any impact on your credit file will depend on the lender and the type of search carried out.
There is no charge for an initial enquiry/quote. Fees may apply if you proceed with a bridging finance application, which we will fully disclose before any application is made.