Bridging Loan
Funding from £75,000 up to £25 million
Helping you secure a short-term financial solution to your specific bridging loan requirements
Bridging Loan
A personal approach to fast bridging loan funding and development finance. Our partnership with Bridging Finance Capital in the UK provides the ability to work with and service a wide and diverse range of individual and business clients, assisting them to secure the necessary bridging loan financing for their next property project, business venture or to plug a short-term financial gap quickly and efficiently.
A bridging loan in the UK is a short-term financing solution designed to provide quick access to funds, typically for property-related transactions. It is often used to “bridge” the gap between buying a new property and selling an existing one, ensuring that a purchase can proceed without delays. Bridging loans are popular among homebuyers, property investors, and developers due to their speed and flexibility.
These loans are commonly used for situations such as buying at auction, funding renovations or refurbishments, or purchasing un-mortgageable properties that require work before long-term finance can be arranged. They can also help homeowners secure their dream property before their current one sells.
Bridging finance is usually offered over a period of 3 to 24 months and can be arranged much faster than a traditional mortgage, often within days. However, interest rates and fees tend to be higher due to the short-term nature and increased risk.
Lenders will typically require a clear exit strategy, such as selling the property or refinancing with a standard mortgage, to ensure repayment. With careful planning, bridging loans can be an effective tool for securing opportunities and managing cash flow in competitive property markets.
Types of UK bridging loan clients:
Homeowners
Commercial & Residential Landlords
Buy to Let Investors
Business Owners
Property Developers
Company CEO’s
Bridging Loans Explained
A bridge loan is a type of short-term loan, typically taken out for a period of 2 weeks to 3 years pending the arrangement of larger or longer-term financing.
Bridging Loans – How do I get a bridging loan?
Through our partners Bridging Finance Capital we can ensure that the time will be taken to fully understand your plans and finance requirements, before finding the best possible bridging loan deal on the facility that is best suited to your requirements.
Bridging loans are a form of fast, flexible short-term lending, usually for 12 months or less, which can be used by individuals or businesses.
The loan can be used to “bridge” the gap in your finances until either a long-term financing solution can be put in place or alternative funds are received from another source, for example the sale of a property.
Bridging loans, which are sometimes referred to as swing loans or gap finance, are fast to arrange and allow the flexibility to enable you to take advantage of an opportunity that has arisen or obtain a quick cash injection if that’s required.
Where there is a pressing need for speed of completion and possibly income streams have declined during Covid-19, tailored bridging loans can meet financial objectives and overcome apparent immovable financial obstacles!
Rapid bridging loan funding available
Access to whole of market, investors
Family offices + exclusive products
All credit circumstances considered
When would you need a bridging loan?
Bridging loans (also called bridge loans) are useful if:
- You’re buying a new house but the buyer for your old house has pulled out
- You need to buy a new house quickly e.g. if it’s a rare property find
- You’ve bought a house at auction and need to pay for it immediately.
What are the risks of a bridging loan?
If you don’t sell your old house in time, you might not have the money you need to make your repayments in time.
Since the lender has secured the loan against the property, there’s a risk of losing your home as fast as you got it.