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Fast and flexible short-term finance solutions for property purchases and development
Bridging loans are short-term finance solutions designed to "bridge" the gap between the purchase of a new property and the sale of an existing one—or to provide funding for projects requiring immediate capital. These loans are known for their speed, flexibility, and use across both residential and commercial sectors.
They are typically secured against property and are used for time-sensitive purchases, auction buys, property renovations, or chain breaks.
Commercial bridging finance is used to fund the acquisition, development, or refurbishment of commercial property. This could include offices, warehouses, retail premises, property development sites, and mixed-use buildings.
This type of loan is often used by property developers, investors, or business owners needing fast access to funds to complete purchases or unlock capital from existing assets.
Offices, warehouses, and retail premises
Property development sites
Mixed-use buildings
The value and use of the property
Exit strategy (e.g. refinance or sale)
Borrower's experience and credit profile
Bridging loans follow a relatively simple process, usually structured as follows:
Borrower provides details about the property, loan amount, term, and exit strategy.
Lender assesses the application and arranges for a property valuation.
Formal loan offer issued and legal representatives review the charge.
Funds released within 5–14 days from application.
Loan repaid within 6–18 months via sale or refinancing.
Residential bridging loans are secured on homes or buy-to-let properties and are often used for:
Borrowers may be first-time buyers, landlords, or homeowners. The property must be of sufficient value, and lenders will require a clearly defined exit strategy.
These loans are secured against property and are used for time-sensitive purchases, auction buys, property renovations, or chain breaks. They have a fixed exit date and typically offer lower interest rates.
These loans are secured against property but don't have a fixed exit date. They offer more flexibility for borrowers who haven't yet arranged their exit strategy, though they may have slightly higher rates.
The right lender can make a significant difference in cost, speed, and flexibility. Key considerations when comparing bridging lenders include:
Specialist lenders often have more flexible criteria than mainstream banks, especially for non-standard properties or borrowers with complex financial backgrounds.
Our experts can help you find the right bridging loan provider for your specific needs
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