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About Us
we specialize in providing fast, flexible, and tailored short-term finance solutions. With years of experience in the industry, we understand the urgency and complexity of bridging finance. Our goal is to simplify the process, offering competitive rates and access to a wide network of specialist lenders for both regulated and unregulated loans.
Frequently Asked Questions
Get answers to your most common bridging finance questions below
Bridging finance is a short-term loan secured against your existing residential, buy-to-let, or commercial property, making it ideal when you need to quickly purchase a property or raise funds.
Many people use bridging loans to avoid missing out on a property due to a chain break or intense buyer competition. This type of financing is especially useful for acquiring below market value (BMV) properties.
Bridging loans offer exceptional flexibility and can be utilized for a wide range of purposes. Beyond preventing breaks in the property chain, they can be employed to purchase property at auction, finance a below-market value deal with a tight completion deadline, or buy and renovate a property that isn’t eligible for traditional mortgage finance.
Additionally, bridging loans can be used to raise capital for business investments, cover tax liabilities, or for any other legal purpose.
A bridging loan is secured using one or more properties you own.
Typically, the interest is added to the principal and repaid at the end of the term—or sooner if the loan is settled early. This means you don’t have to make monthly interest payments.
Bridging loans come in two types: open and closed.
A closed bridging loan has a fixed repayment date. For instance, if you have a set completion date for selling a property, the sale proceeds will be used to clear the loan. The planned method for repaying the loan is known as the exit strategy.
You can settle a closed bridging loan at any time after the first month, usually without any penalties.
In contrast, an open bridging loan doesn’t have a predetermined repayment date; it only needs to be repaid by the end of the term. Due to the higher risk perceived by lenders, open bridging loans generally carry higher interest rates.
Yes, securing a bridging loan with bad credit is absolutely possible.
Due to the short-term nature of bridging finance, lenders place less emphasis on credit history compared to traditional mortgage financing.
Even if you have missed mortgage payments, had an IVA, or experienced bankruptcy in the past, it generally won’t prevent you from obtaining a loan.
Yes, we can arrange second charge loans, potentially up to 100% LTV with additional security. We work with a wide network of specialist lenders offering both regulated and unregulated second charge bridging finance for residential and commercial properties.
Regulated bridging loans typically have a maximum term of 12 months, with the option to re-bridge in some cases. Most bridging loans range from 12 to 24 months, though, under certain circumstances, a term of up to 36 months may be possible.
One of the key benefits of bridging finance is that it can be arranged much faster than a traditional mortgage.
We can secure a lender decision in under 24 hours—sometimes even on the same day. While funds may be available for drawdown in as little as a week, the typical timeframe is between three to six weeks.
Yes, many bridging lenders do not impose early repayment charges (ERC), allowing you to settle the loan at any time. However, most lenders require that at least the first month’s interest be paid.
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