Expert Bridging Loan Advice Tailored To You

Our multi-award-winning team provides expert bridging loan advice across the UK. We’ll search the market to secure the most cost effective option available that best fits your personal circumstances.

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What Is A bridging Loan?

Bridging loans are flexible loans, with no early repayment charges, which provide a temporary funding solution whilst a longer-term exit strategy is achieved, such as securing a mortgage, liquidating investments, or selling a property. Commonly used to buy a new property before selling, purchasing at auction, managing temporary cash flow issues, raising funds quickly to meet a tight deadline, paying tax bills, or to flip properties without being locked into a mortgage. These loans are renowned for the speed in which they can be arranged, in some cases just a matter of days. Our bridging loan experts will help you secure the best deal available.

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Why Choose A Bridging Loan?

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Speed Of Arrangement

Bridging loans can be arranged much faster than traditional mortgages, with a less thorough underwriting process, which is crucial in time-sensitive transactions such as auctions.

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Flexibility

A bridging loan can be used for almost any purpose, can be repaid early without penalty, and lenders will assist even if your credit history isn’t perfect.

No Affordability Checks

Lenders allow the interest accrued to be added to the loan and repaid when the loan is redeemed, as opposed to making a monthly payment, meaning affordability checks aren’t required.

Bridging Loan Benefits: Fast Arrangement and No Affordability Checks

Non Simultaneous Purchase

A bridging loan can be secured if someone in the chain has had their mortgage turned down, lost their buyer, or pulled out, making it possible to buy before selling.

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Maximise Property Potential

In order to increase the value of a property, borrowers may use a bridging loan to flip, renovate, convert, extend, or buy an unmortgageable property.

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Meet Tight Deadlines

Many people use bridging loans to meet tight deadlines and avoid black marks against their name, such as paying an urgent bill, easing company cash flow, repaying arrears, or preventing repossessions.

Secure your Bridging Loan in three simple steps

Enquiry:
Get in touch with us through our website’s enquiry form or by calling us. Our first step will be to establish your requirements through an initial consultation call or appointment. Based on your specific situation, we will complete our research. An easy-to-understand, jargon-free quote will follow, providing you with a detailed breakdown of the most suitable option available.
Application:
Upon receiving your consent to proceed, we’ll finalise your application and manage the whole process on your behalf. This includes submitting your application to the recommended lender, guiding you on the required documentation to support your application, and overseeing the underwriting process with the lender. We’ll provide regular updates throughout this phase so you’re kept up to speed.
Completion:
After your application is approved, you’ll receive your offer letter, and your solicitor will address any lender legal requirements. The release of funds will follow once your solicitor confirms that all legal prerequisites have been satisfied. We’ll be there to assist you throughout this final, exciting step of your application.

Our Lender Panel

Our brokers can source funds from an extensive network consisting of over 300 lenders, including high street banks, private banks, building societies, specialist lenders, family offices, peer to peer lenders, and private equity firms. Our existing lender relationships are vast, varied and trusted.

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Frequently Asked Questions

Bridging loans can be used for almost any purpose. Typical uses of bridging loans include property refurbishment, the purchase of a new home while waiting for an existing property to sell, repaying tax bills, and cash flow assistance for individuals and businesses.

It varies from lender to lender, but generally speaking, bridging loans take 3-4 weeks to complete. It is possible, however, to arrange some bridging loans in as little as 48 hours, but the cost of securing funds that quickly is higher.

Yes, borrowers have the option to repay their bridging loan early, typically with no early repayment charges, providing flexibility and the potential to repay less interest should the loan be repaid earlier than anticipated.

Yes, many lenders will consider clients with adverse credit, but you may not be able to access those with the most attractive products. However, there will still be many options available.

A bridging loan exit strategy is your planned repayment method. Sale of a property, liquidation of shares or investments, or refinancing with a long-term facility such as a mortgage are the most common bridging loan exit strategies.

There are generally no monthly interest payments on bridging loans, so proof of income is not required. The interest is added to the debt and repaid when the loan is redeemed. However, if the monthly payment is affordable, and you can prove your income, you can choose to service the interest rather than add it to the loan.

Rates begin as low as 0.55% per month and lenders typically charge a 2% arrangement fee. There are also other fees that might need to be paid such as valuation fees and legal fees.

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Ready to take the next step?

Our team of experts is ready to guide you through the entire bridging loan process. If you have any questions about our services or would like to make an enquiry, please get in touch with us today for a no-obligation chat.