Short Term & Bridging Finance

Let our team find you the best short-term finance available

With over 15 years of experience, our brokers are experts in arranging short-term finance and finding the best bridging loan for your needs.

Whether you’re borrowing to seize an opportunity or solve a challenge, we’ll take the time to understand your goals and structure a loan that works for you.

With access to the entire market, high street banks, specialist lenders, and more, we’ll identify the perfect lender to match your requirements.

And if time is of the essence, you’re in safe hands. We specialise in securing funding quickly, helping you meet tight deadlines and move forward with confidence.

Find the perfect bridging loan for your needs

Access options from our full-market lender panel

Get funding fast when you need it most

Share your goals – we’ll handle the rest

Simplifying short-term and bridging finance for you

Short-term and bridging finance can be complex, but we’re here to make it straightforward. Below, you’ll find answers to common questions, helping you understand how these loans work and how they can meet your needs.

What is bridging finance, and how does it work?

Bridging finance is a short-term loan used to “bridge” the gap between buying and selling a property or securing long-term finance. It’s typically secured against a property and repaid within 6-24 months.

How quickly can I access bridging finance?

Bridging loans are designed for speed, often approved and funded within a few weeks but can be a matter of days depending on the complexity of your application.

What are the main uses for bridging loans?

Common uses include purchasing property at auction, funding renovations, solving cash flow gaps, or securing a new property while waiting for a current property sale to complete.

What interest rates can I expect for a bridging loan?

Interest rates for bridging loans are higher than traditional mortgages, ranging from 0.5% to 1.25% per month, depending on the lender, loan amount, and risk profile.

Do I need a deposit or equity for bridging finance?

Yes, most lenders require a significant amount of equity or a deposit, typically 25-30% of the property’s value.

Are there any risks associated with bridging finance?

The main risks include higher costs and the potential difficulty in repaying the loan if your exit strategy (e.g., selling a property) falls through.

What is an exit strategy, and why is it important?

An exit strategy is how you plan to repay the loan, such as selling the property or refinancing. Lenders require a clear and realistic exit strategy before approving the loan.

Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

Services

Explore our property finance solutions & let us tailor the right one for you

Short Term & Bridging Finanace

Short Term & Bridging Finance

Short term finance is used for a myriad of different reasons. We’ll work closely with you to structure a loan that’s right for you.

Commercial Property Finance

Commercial
Property Finance

Whether you’re an experienced property landlord or you wish to own your business premises our expert team can help.

Property Development Finance

Property Development
Finance

No matter if your project is for an individual new build property or a development of hundreds of units, we can structure finance for you.

Residential Mortgages & Buy-to-Let

Residential Mortgages &
Buy-to-Let

Whether you’re buying your first home or refinancing your buy-to-let portfolio, our expert brokers are ready to secure the ideal property finance solution for you.

Access fast, flexible bridging finance

Need fast access to funding? Our experienced brokers will help you find the perfect short-term or bridging loan tailored to your needs. With a wide range of options, we can get you the best deal.

Short Term & Bridging Finance
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