About Bridging loans and Auction finance

A bridging loan is your best option when you are looking to find a solution to quick short term finance. A bridging loan is used as a short term alternative until a longer term solution is available. They can be invaluable in securing a property purchase that otherwise would not be possible.

What Exactly is a Bridging Loan and How Does it Work?

As the name suggests, a bridging loan is a finance option that is arranged within a short time-frame in order to raise funds quickly. We arrange Bridging loans  for individuals or companies who secure them against buy to let or commercial properties.

The key characteristic of a bridging loan is that it is secured with what is known as an “exit” in place. This exit most often being the eventual selling off of an asset or some other form of refinancing being achieved.

How do I Choose a best Lender for my requirement?

With the market becoming increasingly busy, our team is here to make sure you are matched with lender that best suits your particular needs. Bridging finance is a difficult to navigate, specialist area, which is why you should always use the services of a team of experienced like ourselves when entering into such an agreement.

Criteria highlights

  • Available for BTL & Commercial Properties
  • Market leading rates
  • Up to 100% LTV (with additional security)
  • Loans from £10,000
  • Terms 1 to 18 months
  • Interest can be serviced, rolled up or retained
  • Staged payments
  • Products with no exit fees
  • Products with no arrangement fees
  • Lending in England, Wales and Scotland
How Can We Help?
Please get in touch on 0208 720 9349
Enquire Now

(Open 7 days a week, from 9 am to 8 pm on weekdays and until 6 pm on weekends)

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To find out how much your buy to let mortgage and bridging loan will cost, use our latest best buy table. You can also use our buy to let calculator to find out how much you can borrow based on the rental income from a buy to let property. Contact us to for a more personalised search of the market based on your individual circumstances.

Frequently Asked Questions

When arranged through professionals like ourselves, bridging loans can be secured and the funds available within is a very short very period time, some time it can be achieved within 72 hours of application. In cases where the financial boost is less urgent, the bridging loan will usually be arranged within a couple of weeks. Unlike traditional loans, bridging loans are often repaid quickly, although in some cases repayment could be extended to a maximum of 12 months. Bridging loan amounts typically start from around £10k.

A wide range of individuals and companies take out bridging loans on a regular basis for a myriad of reasons. Bridging loans are especially popular with landlords and property investors and developers.

The speed at which bridging loans can be secured is what makes them particularly appealing to many investors, developers, and landlords. The money secured is often raised quickly in order to finalise specific jobs, cover deposits, raise funds for an auction, or to carry out potentially unexpected refurbishments. Bridging loans are also often a good option when buyers are looking to secure funds to secure properties that may not be eligible for mortgages from a more traditional lender.

As you would expect, short-term finance is more expensive than long-term finance. Having said that, the actual rate depends on various factors like to loan to value ratio, property details and location etc.

In today’s market, current rates tend to range from 0.59% to 1.5% per month. Higher risk propositions will often incur higher interest rates.

Yes, on top of the interest rates, bridging loans will often incur lender fees, exit fees, surveyor fees (if used) and other associated legal fees.

Bridge loan providers will consider credit profiles, asset strengths, the exit strategy, and often demand that the borrower make a cash contribution upfront before funds are released.

Not necessarily. If a clear exit strategy is in place, a bridging loan should be no more risky than a traditional loan or mortgage. Borrowers could be exposed to penalties, however, if they do not meet the terms of the loan.

Mortgage Calculator

We work with some of the best & most experienced lenders to bring high quality mortgage solutions..

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Please note that this calculator is only for illustrative purposes only and is not a mortgage offer. This is a guide to how much you'd pay each month. The exact amount will depend on the type of mortgage and the lender.

Some of Our Lenders

We work with some of the best & most experienced lenders to bring high quality mortgage solutions..

  • MT Finance

  • Saffron Building Society

  • Aldermore BTL

  • Clydesdale Bank

  • Kent Reliance

  • National Counties Building Society

  • Santander Corporate & Commercial

  • Aldermore Commercial

  • Abbey

  • Cambridge Building Society

  • InterBay Commercial

  • Mortgage Trust

  • Principality Building Society

  • Accord Mortgages

  • Castle Trust

  • Kensington

  • Shawbrook Bridging

  • Arbuthnot Latham

  • Dragonfly Development

  • Leek United

  • Norwich and Peterborough

  • Shawbrook BTL

  • Axis Bank

  • Dudley Building Society

  • Lend Invest

  • Norwich and Peterborough BTL

  • Shawbrook Second Charge

  • Bank of China

  • First Bank of Nigeria

  • Lloyds Bank Commercial

  • Oblix Capital

  • Skipton Building Society

  • Barclays Commercial

  • Fleet Mortgages

  • Marsden Building Society

  • Paragon Mortgages

  • The Mortgage Works

  • Barclays Mortgages

  • Foundation Home Loans

  • Masthaven

  • Pepper Homeloans BTL

  • Together BTL

  • Birmingham Midshires

  • Harpenden Building Society

  • Metro Bank

  • Platform

  • Together Commercial

  • Bridgebank Capital

  • Hinkley and Rugby BS

  • Metro Bank Commercial

  • Precise Mortgages BTL

  • UBS

  • Buckinghamshire Building Society

  • HSBC Commercial

  • Mint Bridging

  • Precise Mortgages Bridge

  • United Trust Bank

  • Cambridge and Counties Bank

  • ICICI Bank

  • Monmouthshire Building Society