Bridging Loans & Bridging Finance

Complete New Property Purchases, Quickly

When you’ve found the right property, timing can make all the difference. A bridging loan can provide the short-term funding you need to complete a purchase quickly, without waiting for a traditional mortgage or longer-term finance to be arranged.

Common scenarios include:

• Purchasing a property where the seller requires a fast or guaranteed completion.
• Securing an off-market opportunity before another buyer steps in.
• Buying a property that you intend to refinance onto a standard mortgage once the purchase has completed.
• Property investors who need to move quickly on a time-sensitive acquisition.
• Purchasing before longer-term finance is available or while another source of funds is being released.

What to expect:

• Fast decisions and a streamlined application process designed for time-sensitive property purchases.
• Borrowing typically available up to 75-80% of the property’s value, depending on the property and circumstances.
• However there are many circumstances where you can borrow more, so if you’re looking for higher leverage give us a call to discuss your situation.
• Additional security can sometimes be used to reduce the cash deposit required.
• Interest can usually be retained or rolled up, meaning there may be no monthly interest payments during the loan term.
• A wide range of lenders and products, allowing us to find the most suitable structure for your purchase and exit strategy.
• Once the purchase is complete, the bridging loan can usually be repaid through refinancing, sale of another property, or other agreed funds.

Our brokers will work tirelessly to find the right funding solution, manage your application and keep everything moving towards completion. If you need to purchase a property quickly, speak with our team and we’ll help you understand the options available.

Secure Your New Home Quickly

Selling your property can be stressful, especially if:

• Your sale falls through at the last minute…. or
• If you’ve found your dream purchase but the chain isn’t ready or your property hasn’t sold yet.

With short-term bridging finance, you can secure your new property while waiting for your existing property to sell. Once your sale completes, you simply repay the loan from your sales proceeds.

Key benefits:

• Fast funding to prevent you from losing your ideal property.
• No monthly repayments – interest is rolled up and paid at the end of the term.
• No early repayment charges – clear the loan as soon as your sale goes through.

What to expect:

• You can typically borrow 75% of the property’s value.
• Both your new and current property can be taken as security to reduce or remove the need for a deposit.
• With so many competitive options, we’ll find the right pricing structure and terms for you.
• Our lenders offer ‘Automated Valuations’ saving time and costs associated with physical valuations.
• You can choose to use your own solicitor, or save money by sharing a solicitor with the lender.
• Check our FAQs below for further information.

Our brokers will work tirelessly to find the best deal for you, manage your application, and ensure funding is ready in time. Get in touch today to discuss your options and keep your plans on track.

If your current bridging loan is approaching the end of its term but your planned exit isn’t ready, a re-bridge can refinance the existing loan and give you additional time to complete your plans.

Common scenarios include:

• Your existing bridging loan is approaching maturity and cannot be repaid on time.
• A property sale is taking longer than expected.
• Your long-term mortgage or refinance has been delayed.
• Refurbishment or development works have taken longer than planned.
• Your current bridging lender is unwilling to extend the existing loan.
• You want to refinance onto more suitable bridging terms while completing your exit strategy.

What to expect:

• We’ll review your current bridging loan, property value, outstanding balance and revised exit strategy.
• We’ll search the market for a new bridging lender willing to refinance your existing facility.
• Where the property has increased in value or sufficient equity is available, there may also be an opportunity to raise additional funds.
• The new loan can provide additional time to sell, refinance or complete outstanding works.
• We’ll coordinate with your existing lender and the new lender to manage redemption and completion as smoothly as possible.

Don’t wait until your existing bridging loan has already expired. Contact us as early as possible and we’ll review your position, explore the available re-bridging options and help you put a credible new exit strategy in place.

Winning a property at auction is exciting, but completing the purchase in just 28 days can be a challenge. Your options at this point is to use a bridging loan or fund the whole purchase using cash because standard mortgages can’t move quickly enough. Our auction bridging loans provide the fast funding you need to meet tight deadlines with confidence.

Why choose our auction finance service?

• Same-day in-principle decision – bid with certainty.
• Funds available quickly, ensuring you meet the 28-day (or 56 day) completion deadline.
• Flexible lending – suitable for residential, commercial, and mixed-use properties.
• Loans available for non-standard properties, where high street lenders may not lend.

What to expect:

• You can typically borrow 75% of the property’s value.
• If the property is being purchased at a discount, or if additional security is available then some options range up to 100% of the purchase price.
• Our lenders offer ‘Automated Valuations’ saving time and costs associated with physical valuations.
• You can choose to use your own solicitor, or save money by sharing a solicitor with the lender.
• Check our FAQs below for further information.

If you’re considering an auction purchase, speak to us before you bid – we can help you secure the right finance quickly and smoothly. Our brokers will work tirelessly to find the best deal for you, manage your application, and ensure funding is ready in time.

Once your development is completed — or nearly completed — a development exit bridge can replace your existing development finance, often at a lower rate. This helps reduce costs, extend your marketing period, and release equity for your next project without waiting for all units to sell.

Common scenarios include:

• Developers who have finished a scheme and want more time for sales.
• Projects that are nearing completion, where the final drawdown is slower or delayed, or additional funds are required.
• Those looking to reduce high development finance costs once the heavy works are complete.
• Developers who want to release equity to fund their next site or another opportunity.
• Situations where sales are progressing, but funds are needed sooner for cash flow.

What to expect:

• Borrowing typically based on the current value of the completed (or nearly completed) scheme, up to 75% of the property’s value.
• Rates usually lower than development finance, reflecting the reduced risk.
• Options for loans on single-unit or multi-unit schemes, including blocks of flats.
• Ability to capital raise if there’s surplus value in the site.
• Flexible terms to allow you to complete sales without pressure.
• Fast decisions — ideal when development lenders are exiting or extensions are costly.

Development exit finance gives you the breathing space and capital you need to maximise your returns, avoid rushed sales, and move confidently onto your next project. Get in touch to discuss your situation with an advisor.

If an existing mortgage or secured loan has reached the end of its term, a lender is demanding repayment, or you’re facing potential enforcement action, bridging finance can sometimes provide short-term funding while you arrange a longer-term solution.

Common scenarios include:

• An existing mortgage or loan has expired and needs to be repaid urgently.
• A lender has requested repayment following a breach of the existing loan terms.
• Refinancing has taken longer than expected and additional time is needed.
• A property sale is progressing, but will not complete before the existing lender’s deadline.
• Funds are required to clear arrears or other secured borrowing as part of a wider refinancing strategy.
• Additional time is needed to complete works, sell the property or arrange longer-term finance.

What to expect:

• Speed is particularly important, so we’ll quickly assess the property, existing borrowing and proposed exit strategy.
• A new bridging loan may be able to refinance the existing lender and provide additional time to execute your repayment plan.
• The amount available will depend on the property value, existing debt and overall circumstances.
• Where sufficient equity exists, additional funds may sometimes be available alongside the refinance.
• We’ll liaise with the lender, valuers, solicitors and other parties to keep the transaction moving as quickly as possible.

These situations can be complex and time-sensitive. Speak to us as early as possible and we’ll assess the options, explain the risks and work with all parties to try to find a workable solution.