Bridging Loans

Bridging loans are short-term finance solutions designed to “bridge the gap” between buying a new property and selling an existing one—or to fund time-sensitive property purchases and investments. At WIS Mortgages, we offer expert, fee-free guidance to help you secure the right bridging finance.

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Key Benefits

Fast Access to Funds:

Bridging loans can complete in days, making them ideal for auctions or urgent purchases.

Flexible Use:

Suitable for property purchases, renovations, chain breaks, or securing uninhabitable properties.

Interest Roll-Up Options:

In many cases, interest payments can be deferred and paid at the end of the term.

Short-Term Terms:

Typically 3 to 18 months, with no early repayment charges on some products.

No Broker Fees:

We offer full, whole-of-market advice without charging you a fee.

Eligibility Criteria and Requirements.

Who Can Apply?

You may qualify if you:

Are purchasing a property quickly or before your current property sells
Are funding renovations or conversions
Have a clear exit strategy (e.g. sale, mortgage refinance)
Are a UK resident, company, or overseas investor (subject to lender criteria)

What are the Requirements?

Lenders typically require:

Details of the property and reason for the loan
A clear and realistic exit strategy
Evidence of income or assets (depending on the lender)
A deposit or equity—usually at least 25%
A satisfactory credit profile (though some lenders are flexible)

Please note: Meeting these criteria does not guarantee mortgage approval. All applications are subject to underwriting and affordability checks by the lender.

Instant Mortgage Quoting

Use the quick and simple quotation system to get a mortgage quote in seconds.

How the Application Process Work?

Applying for a mortgage through our service is straightforward

Book an Appointment

Book an appointment with one of our advisers to discuss your mortgage requirements. Be transparent about your situation so we make the whole journey much smoother for you.

Download MortgagX app

Download MortgagX app, fill in a few key details, select the recommended mortgage product, upload your documents and relax till we get your mortgage sorted.

Completion

Enter your new dream home!

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Processing times vary depending on lender efficiency and individual case complexity.

Important Information And Regulatory Disclosure

Risk Warning

Your property may be repossessed if you do not keep up repayments on your mortgage.

FCA Authorisation

This service is provided by WIS Mortgages, which is authorised and regulated by the Financial Conduct Authority.

Fee & Commission Disclosure

We act as a mortgage intermediary and may receive commission from lenders. A fee may be payable for mortgage advice, which will be disclosed clearly in advance.

Adviser Disclosure

This content is for informational purposes and does not constitute personalised financial advice. Mortgage advice will be provided after assessing your individual circumstances.

Frequently Asked Questions

Find answers to some of the most common questions about mortgages, applications, and our services.

Some bridging loans complete in as little as 5–10 days, depending on legal and valuation processes.

Yes, though some lenders accept poor credit if the exit strategy is strong and the property has sufficient equity.

Yes. Bridging finance is commonly used to meet tight auction deadlines or to purchase unmortgageable properties.

Most bridging loans are short-term—between 3 and 18 months, with some extending up to 24 months.

Bridging loans can often be arranged within 5 to 14 days, depending on the complexity and how quickly documents are provided.

Both options exist. Many borrowers choose rolled-up interest, meaning you repay the full amount (loan + interest) at the end.

Yes. Lenders require a defined repayment plan, such as property sale, mortgage refinance, or asset disposal.

Rarely. Bridging loans are typically aimed at those with property experience, although some lenders may consider first-time buyers with strong circumstances.

Only if the loan is for a residential property the borrower or family will live in. Most investment bridging loans are unregulated.

Yes. Bridging finance is commonly used for auction purchases due to the tight completion deadlines (usually 28 days).

Want to Talk it Through?

020 3011 1986 help@wismortgages.co.uk

We will be delighted to speak with you on the phone through our live chat feature now.

*Call us from Monday to Friday (9am to 6.30pm) and Saturday (9.30am - 3pm) We accept applications over the phone