Tell us what you need
A few short questions about the funding and your business. About two minutes, with no credit search.
Bridging loans Bridging loans.
Bridging loans.
Short term property finance.
Finance secured on property for purchases, auctions, refinancing, chain breaks and refurbishment, arranged quickly.
Whole of marketNo credit search to start
See my bridging loans matches ↗ At a glance
Bridging loans on our panel
- Amounts on the panel
- £25,000 to £25m From the lenders on our panel, leaving out the smallest and largest tenth of products.
- Common terms
- Up to 2 years Half of the panel's products run to 18 months or more.
- Security
- Property or land First or second charge, depending on the lender.
Indicative only. Your terms depend on your business and each lender's criteria.
What it is
Bridging loans, explained.
A bridging loan is a short term loan secured on property, repaid by selling the property or refinancing onto longer term finance. Most bridging lenders quote a monthly rate, and interest can often be rolled up or retained so there is nothing to pay each month.
Lenders size the loan against the value of the property, and what you can borrow depends on the property, its condition and your exit plan. Residential, commercial and mixed use property, and land, can all be considered, depending on the lender.
Who it suits
- Investors and developers buying quickly, including at auction
- Businesses buying premises before longer term funding is in place
- Breaking a chain or refinancing a loan that is due
- Refurbishment before a sale or a refinance
How it works
From question to options.
We arrange bridging loans by sourcing lenders from across the whole of the market. You stay in control of every decision.
See your options
We match your answers against lenders on our panel and show indicative terms for your business.
A broker takes it forward
A broker goes through your options and your exit plan, arranges the valuation and legal work with the lender you choose, and keeps the case moving to completion.
Good to know
Bridging loans, answered.
How quickly can a bridging loan complete?
It depends on the lender, the valuation and the legal work. Bridging is built for speed, and auction purchases usually have to complete within 28 days, so lenders that work to that timescale are a common choice.
What is an exit plan?
It is how the loan will be repaid at the end of the term, usually by selling the property or refinancing onto a mortgage or other longer term finance. Lenders look closely at the exit before they lend.
How is interest charged?
Most bridging lenders quote a monthly rate. Depending on the lender, interest can be paid monthly, rolled up into the loan or retained from the advance.
How much can I borrow against a property?
Lenders lend a share of the property’s value, known as loan to value. The most they lend depends on the lender, the property and whether the loan takes a first or second charge.
Can I get a bridging loan with adverse credit?
Often, yes. Bridging lenders focus mainly on the property and the exit, and some lenders on our panel consider applicants with adverse credit.
Are there fees?
Bridging lenders usually charge an arrangement fee, and there are valuation and legal costs. Any fees depend on the lender and are set out before you go ahead.
Tell us what you need.
See your terms in 2 minutes.
Indicative bridging loans terms from lenders across the whole of the market.
See my bridging loans matches ↗No credit search to startWhole of market
