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Bridging Loans

The short term lending solution for when you need to move quickly.

Our common sense approach to lending and fast turnaround means we’re able to successfully provide bridging loans to a broad range of borrowers.

Bridging loans, often associated with property, are a short-term lending option to help to ‘bridge’ the gap between you needing extra capital, and having the sufficient funds available for repayment.

Why a bridging loan?

Common situations where bridging loans are appropriate include:
• When buying a property at an auction
• If you find yourself unable to sell your property in time to buy a new home
• Instances where other lenders might be hesitant to lend, such as renovation of a dilapidated property
• When mortgage lenders aren’t able to process applications for larger property loans in a short enough timeframe

These circumstances are much more frequent than you might think, as not every property transaction is perfectly timed with the right financial circumstances. With so many elements out of your control in the buy-and-sell process, problematic delays can be common.

It’s in these hectic and uncertain situations that the immediate, short-term nature of bridging finance can help to bring back control and certainty when it matters the most.

Find out more about our personal bridging loans here ❯

Commercial bridging loans are popular for a wide variety of situations, such as:
• Expanding property portfolios
• Carrying out refurbishments
• Easing short term cash flow
• Raising money to help buy assets or cover business tax liabilities

Find out more about our commercial bridging loans here ❯

Who can borrow our bridging loans?

Our inclusive approach to lending means we’re open to lots of different borrowers with different financial situations. Where some lenders might not be able to help because your circumstances don’t fit their criteria, we treat each application individually and work towards a solution.

Rather than working strictly to statistics, we aim to look past the numbers and see the people and situations behind them. This helps us to provide a service that puts our customers first.

If you’re self-employed, we have a number of ways of working with you to get the loan you need. We’ll take just one year’s employment history into account as well as looking at alternate ways to get financial information, such as an accountant’s certificate, an SA302 form or a submitted tax calculation.

Borrowing amounts and timescales for bridging finance

Our personal bridging loans range from as little as £10,000 to £2.5 million, and must be repaid within a 12-month period. That said, we don’t hit you with any additional charges if you decide to pay off your loan early.

Our commercial bridging loans typically start as low as £26,000 and we offer up to £5 million. We can make exceptions for larger amounts depending on your situation and the value of any properties you own.