Moving van full in front of house
From hope to home

Bridging loans for chain breaks.

  • Multiple exit strategies accepted
  • Competitive service and speed
  • Cross charge available
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Bridging Lender of the year

Winner 2021 & 2023

• Over 1,200 reviews

• Over 1,900 reviews

Bridging Lender of the year

Winner 2021 & 2023

• Over 1,200 reviews

• Over 1,900 reviews

Bridging Lender of the year

Winner 2021 & 2023

• Over 1,200 reviews

• Over 1,900 reviews

Let's calculate how much you could borrow with us
See how much I could borrow

Why choose a Together bridging loan?

Mortgage key facts
  • 0.90%

    Rates from 0.90% per month
  • 70%

    Borrow up to 70% of the property's value
  • 12 months

    Available over standard 12 months
  • No monthly payments

*The maximum loan, rate and loan-to-value ratio offered may vary based on your individual circumstances.

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Helping you get from A to Buy with a chain break bridging loan

When you've got all your hopes set on your next home, a break in the property chain can turn your dreams into a disaster. Whether it's your buyer pulling out or delaying proceedings, not having the funds from your sale could seriously jeopardise your ability to move - and who knows if your dream property will still be available when your sale goes through? But all is not lost.

With a bridging loan from Together, you can purchase your new home and move in. You don't need to wait for your current property to sell. You don't need to put your future plans on hold.

The bridging loan gives you up to 12 months in which to complete the sale of your old house and repay the loan. Plus, with no monthly repayments, you don't need to worry about paying two mortgages at the same time.

Instead, just pay back what you've borrowed, and any interest accrued, in one lump sum when your sale is completed. Also, with no Early Repayment Charges, the sooner you repay the loan, the less it’ll cost you.

Our common-sense approach means we can often lend when others can't. Whatever your property goals, we can help get you moving.

Talk to us if:
  • You’re retired
  • You’re self-employed, or have an unpredictable income
  • Your new property is in a high-rise or has a thatched roof
  • You've recently changed job, or gone freelance
  • You've got less-than-perfect credit history, including CCJs and defaults

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    From hope to home

    Here's the story of Bethany and Ben, two new customers we helped recently.

    Bethany and her husband Ben left their office jobs in 2018 to set up a company of their own, which is now thriving. Last year they decided to sell their home and purchase a new build in their home town.

    However, with the buyers of their existing property stuck in a chain, Bethany and Ben risked losing out on their dream home. Despite their perfect credit histories, their bank wouldn’t help as both Bethany and Ben are self-employed.

    So Bethany and Ben came to Together, and we gave them a short-term bridging loan that effectively turned them into cash buyers to secure their new home. And when their own sale went through a few months later, they used the proceeds to pay off their bridging loan in full. Ready to see how we could help you?

    Figures based on an actual Together mortgage customer. All personal details anonymised. While we aim to lend within the shortest possible timescales, speed of funding varies with every case.
    How we helped Bethany and Ben
    • £105,000

      Amount sought

    • 12 months

      Desired term

    • 0.85% per month

      Rate received

    • 8 days

      Time from application to funding

    Common questions about Chain break bridging loans

    How long does a bridging loan take to arrange?

    We’ve got decades of experience in getting bridging cases over the line quickly – and much faster than a typical fixed-term loan or mortgage. This means a bridging loan could get you the cash you need while waiting for longer-term borrowing to be arranged.

    How much can I borrow, and how much deposit will I need?

    We can lend up to 70% of your property’s value, which may increase based on your intended use of the bridging loan and your personal circumstances. However, please note that the maximum loan-to-value ratio we can offer might be adjusted depending on the nature of the property.

    Can I get a bridging loan if I’m self-employed?

    Whether you’re a sole trader, freelancer or side-hustler, we can accept self-employed applicants with just 12 months trading history, and you’ll get the same rates as someone with a regular income.

    We’ll look at your last three months’ earnings, so even if you took advantage of the Self-Employed Income Support Scheme in 2020, you’ll still be treated as normal.

    How do you decide my interest rate?

    The rate you're offered may be influenced by several factors, including:

    • What you're using the bridging loan for.

    • The type and value of the property you're using to secure the loan.

    • How much you need to borrow (both in total, and as a percentage of your property's value).

    • Whether you have any other loans secured against the property, that won't be repaid by this loan.

    • Your credit history (but not your credit score).

    Can I apply for a bridging loan if I have poor credit?

    If you’ve got less-than-perfect credit, such as a small blip that’s caused a big impact on your credit score – we’ll use our common sense when reviewing your application, and look at your credit history instead.

    We can also ignore adverse credit that’s over 12 months old when it comes to deciding your interest rate.

    Overall cost for comparison

    For example: A mortgage of £155,000 payable over 12 months, on a fixed rate of 1% would require 11 instalments of £0.00 followed by 1 instalment of £179,353.33

    The total amount payable would be £179,355.33 made up of the loan amount (£155,000) plus interest on the loan (£19,685.73), arrangement fee (£3,100) plus interest on this fee (£372), the broker fee (£980) plus interest on this fee (£117.60) and the redemption administration fee (£100.00).

    The overall cost for comparison is 15.7% APRC representative.

    The actual rate available will depend upon your circumstances. Ask us for a personalised illustration.

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    Your home may be repossessed if you do not keep up repayments on your mortgage.

    Your home may be repossessed if you do not keep up repayments on your mortgage.

    Together offer a range of regulated products and unregulated products. Together Personal Finance Limited are authorised and regulated by the Financial Conduct Authority (FCA) and offer products including (but not limited to) Personal mortgages, Secured loans, Consumer Buy to Let mortgages and regulated Bridging loans.

    Our unregulated products are provided by Together Commercial Finance Limited and include (but are not limited) to unregulated Bridging loans, Buy to Let mortgages, Auction finance and Development finance.

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