Bridging finance is a short-term funding solution designed to “bridge” the gap until a longer-term option is arranged. Typically lasting up to 12 months, it provides quick access to capital for individuals, investors, businesses, and property developers.

In the fast-paced property market, timing is everything. Bridging loans offer a flexible way to secure funds when traditional mortgages are not available quickly enough, such as during simultaneous property sales and purchases.

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They can also be used to:

• Purchase a property at auction

• Fund renovations

• Finance unmortgageable properties

• Buy land for development

• Boost business cash flow

• Invest in overseas projects

• Pay tax liabilities (e.g., capital gains, VAT, corporation tax)

Closed bridging loans have a fixed repayment date, while open bridging loans do not. However, in most cases repayment is expected within 12 months.

Bridging loans are typically provided by specialist lenders who can secure lending against a range of assets such as property, stocks, or shares. This allows borrowers to access larger sums than through many other finance products.

The amount you can borrow depends on your ability to demonstrate a clear and reliable exit strategy for repayment. Bridging loans are highly flexible, with repayment structures tailored to suit your needs and reduce financial pressure.

Whether you are self-employed, an expat, a foreign national, or have irregular income, we can help. Our brokers are experienced in working with complex cases and liaising directly with underwriters to ensure a smooth, stress-free process.