Bridging Finance

Short-term funding to bridge the gap. Whether you need to move fast on a purchase, break a property chain, or fund a refurbishment — we have whole-of-market access to bridging lenders offering loans from £25,000 to £25 million and beyond.

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How bridging finance works

Bridging loans are short-term, secured loans designed to be repaid quickly — typically within 12 to 24 months. They're used when speed is essential or when traditional mortgage finance isn't suitable for the situation.

£25k–£25m+

Loan amounts

From 0.45%

Monthly rate (regulated)

12–24 months

Typical term

7–14 days

Typical completion

Three ways to handle the interest

Bridging lenders offer three different methods for paying interest, each with its own advantages:

Rolled-up interest

No monthly payments. The interest is added to the loan and repaid in full when the loan is redeemed. This is the most common option and keeps your monthly outgoings at zero during the loan term.

Retained interest

The interest for the full loan term is deducted from the loan advance upfront and held by the lender. You receive a lower net advance but make no monthly payments. If you repay early, unused interest is returned.

Serviced interest

You pay the interest monthly, like a standard mortgage. This keeps the overall cost lower but requires you to demonstrate that you can afford the monthly payments alongside your other commitments.

When bridging finance makes sense

Auction purchases — meet the 28-day completion deadline with fast, reliable funding
Chain breaks — buy your new home before your existing property sells
Refurbishments — fund purchase and renovation, then refinance onto a long-term mortgage (up to 75% GDV)
Unmortgageable properties — purchase properties that standard lenders won't touch (no kitchen, no bathroom, structural issues)
Business opportunities — act quickly when a time-sensitive commercial opportunity arises

Frequently asked questions

How quickly can bridging finance be arranged?

In many cases, bridging finance can be arranged within 7-14 days, and sometimes faster for straightforward cases. This speed makes it ideal for auction purchases, chain breaks, and time-sensitive opportunities.

What are the typical interest rates?

Rates start from around 0.45% per month for regulated bridging (secured against your main home). Unregulated bridging (investment properties and commercial) typically starts from around 0.55% per month. Rates depend on the loan-to-value ratio, exit strategy, and property type.

What is an exit strategy?

An exit strategy is how you plan to repay the bridging loan. Common exits include selling a property, refinancing onto a long-term mortgage, or receiving funds from another source. Lenders will want to see a clear, credible exit before approving the loan.

Can I use bridging finance for refurbishment?

Yes. Many bridging lenders will fund both the purchase and refurbishment costs, lending up to 75% of the gross development value (GDV). Funds for refurbishment are typically released in stages as work progresses.

What's the difference between regulated and unregulated bridging?

Regulated bridging applies when the loan is secured against a property you live in (or intend to live in). Unregulated bridging covers everything else — investment properties, commercial property, and land. Regulated loans have additional consumer protections.

Need funding fast?

Get in touch and we'll assess your situation and source the right bridging deal — often within days.

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Or call us: 0115 967 0888