Bridging is fast, flexible and built for a specific job. These are the jobs it does best.
Found the one but your home hasn't sold? Bridging lets you buy now and repay when your sale completes.
Auction buyers usually have 28 days to complete. Bridging can be arranged quickly enough to make that deadline.
Some homes can't get a normal mortgage until they're fixed up, such as no kitchen or bathroom. Bridging buys the time to do the work.
If your chain falls apart, bridging can keep your purchase on track instead of losing the home you want.
We talk through what you're buying and, most importantly, how the loan will be repaid. That's called your exit.
We find the right lender for the job. A decision in principle can come within a few days.
The lender values the property and solicitors do the legal work. It can complete in weeks rather than months.
When your sale completes or your new mortgage starts, the bridging loan is paid off in one go.
Bridging interest is charged by the month, not the year. For homes, rates in 2026 often start around 0.5% a month.
Expect an arrangement fee (often 1% to 2%), a valuation, legal fees, and sometimes an exit fee.
Most bridging loans last a few months to a year and a half. The shorter, the cheaper.
If the loan is secured on a home that you or a close family member live in, or will live in, it's regulated by the Financial Conduct Authority and you get the same protections as a mortgage. Loans on investment or business property are usually unregulated. We'll tell you which applies to you.
Lenders want to see a clear, realistic way to repay, such as a sale that's already under way or a mortgage you'll qualify for. Without a solid exit, bridging can become very expensive.
Straightforward cases with quick valuations and responsive solicitors can complete in a couple of weeks. More complex property or legal issues take longer.
Credit history still matters, but bridging lenders are often more flexible than mainstream mortgage lenders. Rates may be higher. See mortgages after credit problems.
Pop your details in and we'll call you back. The first chat is free, with no obligation.
The legal bit
Your home may be repossessed if you do not keep up repayments on your mortgage.
We don't charge a fee for mortgage advice.
Bridging, will writing, equity release and conveyancing are provided through our network of approved business partners.