Bridging Finance

What is a Bridging Loan?

A bridging loan is a short-term funding solution—typically up to 12 months—used to "bridge the gap" between the purchase of a new property and the sale of an existing one. These loans range from £50,000 to £500 million and are secured against residential, commercial, or mixed-use property, regardless of condition.

For property investors, bridging finance offers a fast and flexible alternative to traditional mortgages. Approval is typically quicker, and lending decisions are based more on the value of the property than the borrower’s income or credit profile.

Bridging loans are commonly used to:

• Purchase investment properties before selling another asset

• Fund refurbishments, conversions, or development projects

• Secure auction properties where time is critical

• Provide short term buisiness cash flow

• Pay VAT or Tax bil

• Exit Development finance

Bridging loans are a powerful tool for investors looking to move quickly, add value, and maximise returns.

Key Investor Benefits:

• Fast funding—often within days

• Buy opportunities before selling current assets

• Flexible criteria, including adverse credit

• Ideal for property flips, renovations, and auction deals

Bridging Loan Facts

Loan terms - 12 to 36 Months

Property types - Residential or Commercial

Security - Secure againtst existing and new property

Loan amounts - 25K - 25M

Rates from 0.55%

Max LTV 80%