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Fast, Flexible Bridging Finance When You Need It Most

Compare Bridging Loans

Secure short-term funding quickly with access to leading UK lenders.

  • Borrow from £50,000 to £5 million
  • Fast approvals – funding in days, not weeks
  • Terms from 1 to 24 months
  • Dedicated UK-based Account Manager
  • Up to 75% loan-to-value (LTV)
  • Experts in both straightforward and complex cases
Lloyds
Barclays
NatWest
HSBC
InterBay
Aldermore
Allica Bank
RBS

What is a bridging loan?

A bridging loan is a short-term finance solution designed to “bridge the gap” between a financial need and a longer-term solution.
They are commonly used when you need to act quickly, such as buying a property before selling another, securing an auction purchase, or releasing funds tied up in assets.
Bridging loans are secured against property, meaning you'll typically use a residential, commercial, or investment property as security.
Bridging loan property finance

How does a bridging loan work? (Example)

1

You find a property opportunity

You want to purchase a property for £350,000.

2

You don’t have full funds available yet

You need a £100,000 deposit but only have £25,000 available.

3

You use bridging finance

You take out a bridging loan of £75,000 to cover the shortfall.

4

You repay the loan

Once your existing property sells, you repay the loan plus interest.

Bridging loans are designed to be short-term, with repayment linked to your exit strategy.
Bridging loan worked example

Types of Bridging Loans

Open Bridging Loans

Open Bridging Loans

Flexible short-term finance with no fixed repayment date - ideal if your exit timing is uncertain.

Closed Bridging Loans

Closed Bridging Loans

Fixed repayment date agreed upfront - often offers lower rates due to reduced risk.

First Charge Bridging Loans

First Charge Bridging Loans

Secured as the main loan against a property, typically offering more competitive rates.

Second Charge Bridging Loans

Second Charge Bridging Loans

Secured alongside an existing mortgage, allowing you to raise funds without refinancing.

Regulated Bridging Loans

Regulated Bridging Loans

Used when the property will be lived in by you or your family - offers additional protections.

Unregulated Bridging Loans

Unregulated Bridging Loans

Used for business or investment purposes such as development or buy-to-let.

Fast Bridging Loans from £50,000 to £5 Million

Secure short-term funding in days, not weeks. Ideal for property purchases, auctions, and time-sensitive opportunities.

  • Funding available in as little as 48-72 hours
  • Up to 75% loan-to-value
  • Terms from 1 to 24 months
  • Dedicated UK-based bridging specialist

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