Mortgages · Bridging Loans
Fast, short-term finance when timing matters.
A bridging loan is short-term finance — typically 1-18 months — used to 'bridge' a gap, most often to complete a purchase before a sale completes, secure an auction property within tight deadlines or fund a project before longer-term finance is arranged.
What makes bridging finance different
Bridging loans are priced and structured very differently from standard mortgages — interest is usually charged monthly (often rolled up and paid at the end rather than monthly out of pocket) and rates are significantly higher, reflecting the short term and speed of the lending. It is not a substitute for a standard mortgage; it’s a specific tool for a specific, time-limited situation.
The single most important part of any bridging case is the exit strategy — how the loan will actually be repaid, whether that’s the sale of a property, refinancing onto a standard mortgage, or another confirmed source of funds. Lenders will scrutinise this closely — and so should you — before taking one out. See also Specialist Finance for development finance and other complex lending.
Some of the mortgages we conduct are not of a regulated nature, so the protection offered by regulation is not afforded to such contracts. These are mortgages such as Buy to Lets, some Bridging Loans, Commercial Loans and Development Finance.
Who this is for
- Buying at auction with a tight completion deadline
- Breaking a property chain
- Buying before your current property has sold
- Funding a refurbishment before refinancing onto a standard mortgage
- Time-sensitive commercial or investment purchases
- Needing certainty of funds to secure a deal
How it works
Tell us the situation
What you need to fund, the timescale and how you plan to repay (the 'exit').
Exit strategy first
Every bridging case starts with a clear, credible repayment plan — sale, remortgage or another source of funds.
Lender matching
Bridging is a specialist market — speed and flexibility vary significantly between lenders.
Fast completion
Bridging loans can often complete in days to a few weeks, much faster than a standard mortgage.