What counts as an acceptable exit for a bridging loan?

Lenders want to see either a credible sale of the property, or a refinance onto a term facility such as a commercial mortgage or BTL mortgage. The exit is assessed as carefully as the property itself.

Can bridging finance be used on residential investment property?

Yes — this covers investment and commercial property specifically, rather than a residential owner-occupier purchase, which follows a different regulatory path.

How fast can a bridging loan actually complete?

In straightforward cases with legal work moving quickly, completion in 5 to 21 days is realistic. More complex titles or valuations can extend this.

Is bridging finance only for unmortgageable properties?

No — it is also used for planned situations such as auction purchases, chain breaks and capital raises, not only properties in poor condition.

How is the interest usually charged?

Bridging is typically priced monthly rather than as an annual rate, and interest can often be rolled up into the loan rather than paid monthly, depending on the lender and the deal.

Property Finance

Bridging Finance

Bridging finance is short-term finance secured on property, used when speed matters or when a property will not support a term loan yet. Every bridging loan is underwritten against a defined exit — sale or refinance — as much as the property itself.

Start Your Funding Enquiry Call +44 7918 308335

A UK property mid-refurbishment with scaffolding, representing bridging finance

How it works

Tell us about the property, the amount required and, critically, your exit — sale or refinance.
We match your case to lenders comfortable with the property condition and timescale.
Terms are agreed against the property value and the strength of the exit plan.
Funds can complete in as little as 5 to 21 days once legal work is instructed.

Typical terms

Amount	£50k–£25m
Term	1–24 months
Loan to value	Up to 75% LTV
Rate basis	0.55%–1.5% per month
Speed to funds	5–21 days

Indicative only. Actual terms depend on the lender and your circumstances.

What it is used for

Buying at auction, where completion deadlines are tight and fixed.

Breaking a property chain to avoid losing a purchase further down the line.

Buying a property that is currently unmortgageable in its existing condition.

Funding a heavy refurbishment before refinancing onto a term facility.

Raising capital against an existing property to act on another opportunity.

Bridging a planning gain play ahead of a sale or development exit.

Who this typically suits

Investors and businesses buying investment or commercial property, not owner-occupied residential.
Situations where speed matters more than the headline rate.
Borrowers with a clear, evidenced exit — a sale already progressing or a refinance already agreed in principle.

When it is not the right fit

If a long-term facility is what is actually needed, moving straight to a Commercial Mortgage or BTL Mortgage will usually be cheaper than bridging first.
Commercial Mortgages
If the work involved is ground-up construction rather than refurbishment of an existing structure, Development Finance is the correct product.
Development Finance
If the property is a buy-to-let that just needs standard purchase or remortgage funding, BTL Mortgages will be more cost-effective.
BTL Mortgages

What to have ready

None of this is required to start a conversation — it simply helps us understand the requirement faster once you get in touch.

Details of the property and its current condition
A clear, evidenced exit strategy — sale or refinance
Timescale required to completion
Details of any existing charges on the property

Frequently asked questions

Tell us what you're trying to fund.

No need to select a finance product before getting in touch. Start with a short enquiry and a member of the team will be in touch.