Residential bridging loans.
- Loans from £26,000
- Non UK and Expat applications considered
- Speed and service
- Loans from £26,000
- Non UK and Expat applications considered
- Speed and service
- Loans from £26,000
- Non UK and Expat applications considered
- Speed and service
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
Why choose a Together bridging loan?
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Flexible
You're more than a credit score. If the sums show that you can afford the property, we do our best to make it happen. -
Trusted
With 50 years of lending experience under our belts, you can trust us to get things right for you. -
Open-minded
Unlike many, we lend on properties like ex-council properties, high-rise flats and those made of non-standard materials. -
Smart
Receive updates on your application, upload files & e-sign most documents to open your Together account - all using our secure app.
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0.95%
Rates from 0.95% per month -
£5m
Loans from £26k - £5m (more by referral) -
12 months
Available over standard 12 months -
75%
Borrow up to 75% of the property's value -
No exit fee
No exit fee options available
*The maximum loan, rate and loan-to-value ratio offered may vary based on your individual circumstances.
Short term finance that gets you from opportunity to investment
When an opportunity won't wait, and you don't have the funds required at hand, our residential bridging loans allow you to move quickly.
Our common sense lending means that we can be flexible when it comes to your income and credit status. Additionally, you can get a bridging loan for a range of residential properties, including non-standard properties - from those missing a kitchen or bathroom, all the way up to listed buildings.
Repayable over 12 months with no early repayment charges (ERC) included, our bridging loans provide short term cover while you wait for longer term financing to be arranged or the property to be sold. All bridging loans are interest only, allowing you to keep your monthly costs down and repaying in full once further finance has been finalised.
We accept applications from foreign nationals, based in the UK and abroad, and British expatriates.
We funded James' £2.85m in four hours
James was looking to expand his buy-to-let portfolio with a prestigious six-bedroom home in a UK holiday resort. However the deal hit choppy waters the day before the completion deadline when solicitors demanded additional information – potentially scuppering the purchase and leaving James with a £3million cost.
Fortunately Together were able to step in. James contacted Together at 11:15am and we were able to fund the £3million deal within four hours – an incredibly quick completion and a great result for James.
Figures and details from a real Together bridging loan customer. All personal information anonymised. While we aim to lend within the shortest possible timescales, speed of funding varies with every case.
James' bridging loan with us:
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£2.85m
Amount sought
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4 hours
Time to fund
Residential bridging loans. Helping you get from A to Buy.
When you see the opportunity to invest in a great residential property, bridging loans can be a great way to get the short, sharp cash injection you need to get moving forward.
Never miss out - Bridging finance allows you to act as a cash buyer. So, if the vendor needs to make a quick sale, you can capitalise on the opportunity to buy at speed.
Improve and repair - Whether you're looking to sell or rent out, a bridging loan can give you the cash to refurbish the property, or add conversions, extensions or other improvements. You can even use a second charge bridging loan, secured on a property with an existing mortgage, to raise the funds without needing to remortgage.
Finance your future purchases - Raise a deposit for a new property to add to your portfolio with a second charge bridging loan to release some of the equity built up in an existing property.
At the end of your term, usually after a maximum of 12 months, you could then choose to refinance onto a Buy to Let secured loan or repay the loan (and any interest and fees) in one lump sum with the proceeds of a sale.
Common questions about residential bridging loans
What is a residential bridge loan?
A residential bridge is a short term loan used to fund a residential property which you won’t be living in, such as a rented home that you’ve bought as an investment property.
How does a residential bridge loan work?
The short term loan is typically taken out over a 12 month period, although this can vary depending on your needs. Money from the residential bridge loan can be used for buying and/or doing up your new property. Depending on your repayment type, you may not be required to make monthly payments during the term of the loan. We can look to deduct the monthly payments you are due to make from the loan in advance.
If you are due to repay your loan at the end, you’ll need to plan for how to pay off the lump sum at the end of the agreed period. This is known as an ‘exit strategy’ and can involve arranging longer term buy-to-let finance or selling the property for a profit.
How long does it take to get a residential bridging loan?
From filling out the application to seeing the money land in your bank, the process typically takes 3-4 weeks. However this will depend on your circumstances and the type of valuation needed, meaning it could take longer than this.
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.
