Highly Flexible Specialist Loans, For Purchasing New Properties Or Raising Capital On Assets Already Owned

Bridging finance is short-term, property-secured funding designed to “bridge the gap” between an immediate need for cash and a longer-term solution, such as selling an asset, refinancing onto a term mortgage, or moving onto development finance. It’s typically interest-only and commonly runs for 1–24 months.

Typical Structure

• Security: Secured against one or more properties
• Rates: From 0.55% per month
• Leverage: Up to 80% Loan to CMV, or 100% Loan to Purchase when buying below market value
• Repayments: Interest can be serviced monthly or rolled up and repaid at exit
• Speed: Faster and more flexible than traditional mortgages
• Loan sizes: From £50,000 with no fixed upper limit
• Early repayment: Often permitted without heavy penalties

When It’s Used

• Auction purchases (28-day completions)
• Chain breaks
• Non-mortgageable or refurbishment properties
• Land and early-stage development
• Short-term business cashflow gaps

What Matters Most: The Exit

Bridging is built around a clear repayment strategy. This is typically:

• Sale of the asset
• Refinance onto a term or buy-to-let mortgage
• Refinance onto development or longer-term finance

How we can help

With hundreds of Bridging Lenders to choose from, and each lender having different criteria, strengths and weaknesses, finding the best deal for any given scenario can be challenging.

Our deep market knowlege, years of experience and relationships with lenders mean we are able to find the best available funders, assist completions, and do so quickly and professionally.