Bridging Finance

Fast, Short-Term Funding To Bridge Financial Gaps And Seize Time-Sensitive Opportunities

Bridging finance provides rapid, short-term funding to bridge the gap between needing capital and securing permanent financing. Whether you're purchasing a property at auction, waiting for a sale to complete, or need urgent funds for a business opportunity, bridging loans can be arranged within days rather than weeks.

Types of Bridging Finance

Choose the structure that best fits your business requirements and financial goals.

Residential Bridging

Fast funding for residential property purchases and refinancing. Ideal for auction buys, chain breaks, and property developers needing quick capital with terms from 3-18 months.

Commercial Bridging

Short-term finance for commercial properties including offices, retail, and industrial units with flexible terms and rapid assessment. Perfect for time-sensitive commercial opportunities.

Auction Finance

Specialist funding to complete property purchases at auction within the required timescales, with funds typically available within 48 hours and completion guaranteed.

Common Use Cases

Auction purchases

Buy properties at auction with confidence, knowing you have rapid access to the required funds within auction deadlines.

Chain breaks

Ensure your property sale completes on time even when the chain falls through, using bridging finance to bridge the gap.

Property refurbishment

Fund renovation projects before refinancing or selling with a modern Bridging loan, adding value quickly.

Quick completion

Complete property transactions in days rather than weeks when traditional lenders cannot meet your timeline.

Investment opportunities

Seize time-sensitive investment opportunities that require immediate capital deployment before permanent finance is arranged.

Frequently Asked Questions

How quickly can a bridging loan be arranged?

Bridging loans can often be arranged within 48-72 hours for standard cases, with some lenders able to provide funds the same day for straightforward applications. Speed depends on property value, loan amount, and the complexity of the case — our team will give you a clear timeline once we understand your requirements.

What are typical bridging loan rates?

Bridging loan rates vary based on property type, loan size, and your circumstances. Monthly rates typically start from around 0.5% per month for standard cases, with lower rates available for lower LTV deals with strong security. Your broker will source the most competitive options for your specific situation.

Are there monthly payments on bridging loans?

Most bridging loans are structured as interest-only arrangements with monthly payments required, though some lenders offer rolled-up interest options where interest is added to the loan and paid at redemption. Discussing your cash flow preferences with your broker helps select the right structure for your situation.

What security is required for bridging finance?

Security typically consists of property — residential, commercial, or land — with the value determining the maximum loan available. Lenders usually offer up to 65-75% of the property value for bridging finance. Additional security such as guarantees may be required for larger facilities.

Can I use residential property as security?

Yes, residential property is commonly accepted as security for bridging finance. This includes your own home, buy-to-let properties, or residential investment assets. Single dwellings, HMOs, and blocks of flats can all be considered depending on the lender.

What happens if I can't repay on time?

If repayment becomes challenging, discuss your situation with your broker as early as possible. Options include extending the loan term (subject to lender approval), refinancing to a longer-term product, or selling the property. Most lenders will work with borrowers to find a solution rather than enforcing default.

Ready to Get Started?

Speak to our team about your funding requirements and let us find the right solution for your business.

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