Understanding Bridging Loans
Bridging loans are short‑term finance designed to help you move quickly when timing really matters. They provide fast access to funds while you are buying, selling, or improving property, and are usually repaid within months rather than years. This makes them especially useful when a traditional mortgage is too slow or not yet available.
Bridging finance is commonly used by homebuyers and property investors to secure a new property before their existing one is sold, to complete auction purchases within tight deadlines, to cover chain breaks, or to fund refurbishments and light development works. Because decisions can be made quickly and structures are flexible, bridging loans can often be tailored around your specific property plans and exit strategy.
Our role is to help you understand the options, likely costs, and timescales so you can decide whether a bridging loan is right for you. We focus on clear communication, realistic timeframes, and a smooth process from enquiry to completion. All lending is subject to status, underwriting and an acceptable property valuation.
Key Features of Our Bridging Loans
Typical Loan Amounts
Flexible funding tailored to your project size. We typically lend from £50,000 up to several million, subject to underwriting and security value. This range suits everything from smaller refurbishments to larger acquisitions, giving you room to move quickly when opportunities arise.
Loan-to-Value (LTV) Ranges
Our bridging loans usually range from 60% to 75% LTV, depending on property type, location, and exit strategy. We always explain how your LTV is calculated so you understand exactly how much you can borrow against your security.
Interest Rate Structure
Interest is typically charged on a monthly basis, with rates reflecting the strength of the security and your exit plan. We clearly outline your rate, how it is calculated, and the total cost over the expected term before you commit.
Repayment Options
Choose between interest-only monthly payments or rolled-up interest, where interest is added to the loan and repaid at the end of the term. We help you select the option that best matches your cash flow and exit strategy.
Security Types Accepted
We can secure loans against residential homes, buy-to-let portfolios, and commercial properties, including mixed-use assets. Multiple properties can often be used as security to increase available funding where appropriate.
Terms, Fees & Transparency
Typical terms range from 3 to 18 months, with the flexibility to repay earlier if your exit completes ahead of schedule. We provide a clear breakdown of all fees upfront and, where stated in your offer, no early repayment penalties apply, so you only pay for the time you actually use the funds.
How a Bridging Loan Application Works
1. Initial enquiry & quick assessment
Share a few key details about your property, timescales and funding needs. Our team reviews your enquiry the same day and confirms whether a bridging loan is likely to be suitable, outlining the next steps clearly.
2. Indicative terms within hours
Once we understand your requirements, we issue clear, no‑obligation indicative terms, usually within hours. These outline the proposed loan amount, interest rate, fees, and expected timescales, so you can decide whether to proceed with confidence.
3. Documents we’ll need from you
To move forward, we typically request: proof of ID and address, details of the property and any existing finance, evidence of income or exit strategy, and basic company information if you’re borrowing through a business. Our team provides a simple checklist and helps you gather everything quickly.
4. Valuation & underwriting
We instruct an independent valuation of the property while our underwriters review your documents and exit plan. This stage focuses on affordability and security, not just credit scores. We keep you, and your broker if you have one, updated at every step to avoid delays.
5. Legal work & offer
Your solicitor and ours handle the legal due diligence, title checks, and any required searches. Once everything is in order, we issue a formal loan offer setting out all terms clearly. We work closely with your legal team to resolve queries quickly and keep the process moving.
6. Fast drawdown of funds
As soon as legal work is complete and documents are signed, funds can be released very quickly—often within days, and in urgent cases sometimes sooner. Our goal is to match your timescales, whether you’re securing a purchase, refinancing, or raising short‑term capital.
Support for clients and brokers
From first enquiry to final drawdown, you’ll have a dedicated contact who coordinates valuation, underwriting, and legal teams, answers questions promptly, and keeps everyone aligned. We work collaboratively with brokers, providing transparent updates and practical solutions to help your case complete on time.
Ready to move fast? Request your bridging quote today.