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New home not in move-in condition?

Use a bridging loan to get the keys and renovate before selling up. 0207 858 2809 or arrange a callback >

  • Rates from 0.49%/month.*
  • Borrow up to £2.5m (or more by referral).
  • Up to 12 months.
  • No Early Repayment Charges.
  • Borrow up to 70%* of the property’s value.
* The actual rate and loan-to-value offered may vary based on your individual circumstances.
  4.5/5 average rating by independent customer feedback

Nobody wants to live in a building site

So if you've found your perfect new home but it needs doing up before you can move in, a bridging loan could be the answer.

We'll work quickly and flexibly, so you can secure your new property and get the keys. You'll then have up to 12 months to get the place looking just-so, move in, and sell your old home.

No monthly payments

You'll just pay back what you borrowed, plus any interest, in a lump sum within 12 months as soon as your old home sells. And because there are no Early Repayment Charges, the sooner that happens the less it’ll cost you.

Flexible and pragmatic

We apply a common-sense approach to lending, and can often consider circumstances that some other lenders can't. So if you have less-than-perfect credit, or there's something about your new property that means other lenders are struggling – say, it's made of non-standard construction – let's talk.

Overall cost for comparison

For example: A bridging loan of £150,000 repayable after 12 months on a fixed rate of 5.88% would require a single payment of the capital borrowed plus the accrued interest totalling £163,983.47 including fees.

The total amount payable would be £163,983.47, made up of the loan amount, plus interest on the loan (£9,061.62); processing fee (£1,500.00); arrangement fee (£3,000.00); interest on these fees (£271.85); and the redemption administration fee (£150.00).

The overall cost for comparison is 9.3% APRC representative.

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


How do I apply?

Call - 0207 858 2809
We’re here between 9am and 8pm Monday to Thursday, 9am to 7pm on Friday.

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