Bridging Loans

Fast, flexible finance for time-critical deals.

Need short-term funding to seize a property opportunity or cover a temporary cash gap? Bridging loans provide rapid access to capital — often within days — with fewer barriers than traditional lending.

Ideal for property buyers, developers, and businesses waiting for longer-term funding to complete.

What Is a Bridging Loan?

A bridging loan is a short-term secured loan, typically lasting from 1 to 18 months. It “bridges” the gap between a financial need now and a future source of funds — like a property sale, refinance, or investment return.

Bridging loans are secured against property or assets and are designed for speed.

Why Use a Bridging Loan?

  • Buy property fast before selling another
  • Secure auction purchases or development sites
  • Fund refurbishments or conversions
  • Bridge gaps between purchase and mortgage drawdown
  • Cover urgent business costs while waiting on cash inflow

Key Benefits

✔️ Speed Over Paperwork
Decisions within 24–72 hours. Funds can be released in under 7 days.

✔️ Short-Term, Flexible Terms
From 1 month to 18 months — interest rolled up or serviced monthly.

✔️ High Loan-to-Value (LTV) Options
Up to 75% LTV on residential and commercial property.

✔️ Open or Closed Bridging
Whether or not you have a confirmed exit plan, we’ll help you structure the right deal.

Who It’s For

We help UK-based:

  • Property buyers acting fast on auctions or chain-breaks
  • Developers or landlords needing funds to refurbish
  • Businesses bridging cash gaps or pending long-term finance
  • Investors unlocking equity before a refinance or sale

Typical Loan Details

  • Loan sizes: £50,000 to £10 million+
  • Terms: 1–18 months
  • Security: Residential, commercial, or mixed-use property
  • Exit: Sale, refinance, or incoming capital

How It Works

  1. Apply Online (takes 2 minutes)
    Tell us about the deal and the property.
  2. We Match You With Lenders
    We find lenders who can move quickly and offer suitable terms.
  3. Valuation & Offer
    Lenders conduct property valuation and confirm terms.
  4. Funds Released
    Once legal checks are complete, funds are transferred — often within days.