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Explanation of a bridging loan
A bridging loan is a short-term secured loan, typically used to “bridge” a gap between the sale of one property and the purchase of another. It can also help fund renovations or auction purchases or resolve cash flow issues. Bridging finance is available to individuals, businesses, and property developers.
Key benefits:
- Access funds quickly (typically within 3-5 working days)
- Borrow from £25,000 to £25 million
- Terms from 1 to 24 months
- Residential, commercial, and land finance available
- No early repayment penalties
How bridging finance works
Bridging loans are secured against property or land. You borrow a set amount over a short term, with interest usually rolled up or paid monthly. At the end of the term, the loan is repaid through the sale of a property, refinancing, or another liquidity event.
Example:
- You want to buy a new home before selling your current one.
- A bridging loan provides the deposit or full purchase price.
- Once your existing home is sold, you repay the loan.
Watch our video: Bridging finance made easy!
Bridging finance is ideal for:
- Home movers needing to complete before their sale
- Property investors buying at auction
- Developers funding light or heavy refurbishments
- Businesses covering short-term cash gaps
- Landlords expanding portfolios
Bridging loan rates and costs
We offer highly competitive bridging loan rates from just 0.55% per month. Costs depend on:
- Loan amount and term
- Property type and value
- Exit strategy (e.g., sale or refinance)
- Borrower profile
Our team will guide you through all fees, including arrangement, legal, and valuation costs.
Reasons to choose UK Property Finance
We are whole-of-market bridging finance specialists. Unlike a bank, we can source from over 100 lenders, including private banks and specialist providers.
What sets us apart:
- FCA regulated broker
- Fast decisions and same-day quotes
- No upfront fees
- Access to exclusive bridging deals
- Transparent, tailored advice
What are common types of bridging finance?
- Buy to Sell
- Buying a new house
- Purchase an auction property
- Loans for tax issues
- Renovation and/or refurbishment projects
- Business bridging finance
- Cash flow problems
- Buy-to-let and overseas properties
How much does a bridging loan cost?
What is the basic criteria for borrowing?
- You need to be at least 18 years old and have property in the UK, which is also open to foreigners.
- Properties: Residential, commercial, or land across the UK, including uninhabitable conditions.
- Loan sizes begin at £20,000, with terms ranging from 1 day to 1 year.
- The maximum loan-to-value (LTV) is 75% without additional security, and can reach 100% with additional security.
- We accept flexible borrower profiles, have no age restrictions, and accept adverse credit.
Do I need to make monthly repayments?
You can choose rolled-up interest (paid at the end) or service the interest monthly. We’ll advise on the best option.
Is a valuation required?
Yes. The lender will require a professional valuation of the property used as security.
Need help with bridging finance? Apply today!
Contact us today to explore your options. Our experienced team is here to guide you every step of the way.
We make the process fast and straightforward. Get in touch for a free consultation with one of our experts.
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