Bridging finance
Short-term money, arranged fast.
Chain breaks, auction purchases, refurbishments and quick completions. Secured lending from £150,000, terms from 1 to 24 months, with the exit agreed before the loan.
A bridge is a tool, not a lifestyle
Bridging is expensive money for a short time. It works when the exit is certain: a sale already agreed, a refinance already approved or a refurbishment with a clear end value.
- Chain break
Buy before you sell
Secure the next home while yours completes, then repay from the sale proceeds without a rushed price.
- Auction
28 days, comfortably
Terms agreed before the auction so the winning bid can complete on time, with a refinance lined up if you intend to keep the property.
- Refurbishment
Light to heavy works
Funding for the purchase and the works, released in stages against progress, with the exit onto a term mortgage or a sale.
How it works
Terms in principle
Property, purpose, exit and timescale reviewed the same day. Indicative terms follow, usually within 24 hours.
Valuation and legals
A lender valuation and solicitors instructed in parallel, with our team chasing both.
Offer and drawdown
Formal offer, conditions met, funds released, often within two to three weeks of first contact.
Exit
Sale or refinance completed on the agreed date, with the redemption figure checked against the original terms.
Fees, stated plainly
Bridging loans are priced monthly. Rates are indicative from 0.55% per month, typically up to 75% loan-to-value, with an arrangement fee of around 2% and lender valuation and legal costs on top. Interest can be retained from the advance, so there are no monthly payments, or serviced monthly.
Bridging is arranged through our FCA-authorised partners. Loans secured on your home are regulated; loans on investment property are usually unregulated. Either way, the total cost is set out in writing before you sign.
Every fee is confirmed in writing before you commit, in a plain terms of business letter with no surprises later. Figures on this page are indicative and exclude VAT unless stated. See fees and client money for how we hold and protect money.
Questions we are asked
How quickly can bridging complete?
Two to three weeks is typical once valuation and legal work are instructed. Some lenders can complete in days where a recent valuation and clean title exist.
What can the loan be secured on?
Residential, mixed-use and commercial property in England and Wales, including property that a mainstream lender would not accept, such as homes without a kitchen.
What is retained interest?
The interest for the whole term is deducted from the advance on day one, so you make no monthly payments. You receive less on day one but there is nothing to find each month.
What happens if my exit is late?
Most loans allow an extension at a cost. We build in a margin at the start and speak to the lender early if the sale or refinance slips.
Check what a bridge would cost.
Indicative terms within 24 hours of a conversation.