Bridging loans arranged fast, from the whole market
Short-term finance secured against property, from £50,000 to £25m through 100+ lenders. Indicative terms in 24 hours, completion in 7 to 14 days, fast-track from 72 hours on clean cases.
A chain just collapsed. An auction clock is running. A lender pulled out on completion day. When a deal must close before a slower mortgage can move, you need money against property in days, not months. A bridging loan, often called a bridge loan, is short-term finance secured against property: interest-only and repaid in months through a clear exit, usually a sale or refinance. People take one out to seize a deal a high-street bank cannot fund in time.
We are a broker, not a lender. We sit on your side of the table and shop a panel of 100+ lenders to find the route that fits your deal, not a headline rate you cannot qualify for. We run a soft credit check with your consent first, so exploring your options never leaves a footprint. There is no fee for indicative terms, and our fee model is confirmed upfront before any application, disclosed before you commit.
Key facts
- Indicative monthly interest from 0.50% to 1.10%; clean low-LTV cases from around 0.44%/mo
- Terms up to 12 months regulated, 24 months unregulated
- Indicative terms in 24 hours; completion 7–14 working days; fast-track from 72 hours
| Scenario | Indicative rate | LTV |
|---|---|---|
| Auction purchase | 0.55–0.85%/mo | 75% |
| Chain break | 0.60–0.95%/mo | 70% |
| Refurb-to-refinance | 0.65–0.95%/mo | 70% |
Cost calculator
Compare bridging loans by what you need
Bridging is not one product. Start with the angle that matches your deal.
Best bridging loans
Matched to your deal on rate, speed, LTV or completion certainty, not a league table.
Explore ›Cheapest bridging loans
The lowest total cost over the term you can actually qualify for.
Explore ›Commercial bridging loans
Fast finance for shops, offices and mixed-use, with an exit onto a term loan.
Explore ›Second charge bridging
Raise capital behind your mortgage without touching the first charge.
Explore ›Short-term bridging loans
Interest-only money for weeks to months, no long tie-in.
Explore ›Bridging loan broker
Why whole-of-market beats going direct, and how we package your case.
Explore ›How bridging loans work
A bridge loan is a short-term loan secured against a property you own or are buying. It is interest-only, and you repay the loan in full at the end of the term through a planned exit such as a sale or refinance. A bridge runs for weeks to months, so bridging finance is priced monthly.
Because it is a secured loan, the bridging lender weighs the property and your exit far more than your income or credit score, so a bridging loan could clear where a high-street application would stall. Loan to value drives the price: the lower your stake, the cheaper the money. Interest can be rolled up and added to the loan, so nothing leaves your pocket until you exit. The right loan provider matters, and we use bridge loan specialists most never list.
Different types of bridging loans
There is no single product. The right type of bridging loan depends on the security, your exit, and whether the property is a home or investment.
- Regulated vs unregulated. Regulated bridging is secured on a property that is, or will become, your own home or a family member’s, falls under FCA rules and is capped at 12 months. Unregulated bridging loans cover investment, commercial and business property and run up to 24 months.
- Open vs closed. A closed bridging loan has a fixed, evidenced exit date, such as an exchanged sale, and prices keenest. An open bridging loan has a planned but undated exit and carries a small premium.
- First vs second charge. A first charge bridge loan sits on an unencumbered property; a second charge bridging loan, a form of second charge loan, raises capital behind a mortgage you want to keep.
- By purpose. A commercial bridging loan funds shops, offices and mixed-use; a specialist bridging loan covers unusual security or adverse credit that mainstream lenders decline. UK bridging spans homes, land and trading premises.
What a bridging loan costs
The true bridging loan cost is more than the monthly interest rate. A realistic figure combines the rate, the lender’s arrangement fee, the valuation, legal costs, and any exit fee over the term.
- Interest rate: indicatively 0.50% to 1.10% a month; clean, low loan-to-value cases start near 0.44%.
- Arrangement fee: usually 1% to 2% of the loan, often added to the advance.
- Valuation and legals: paid to third parties, varying by property type and value.
- Exit fee: 0% to 1% with some lenders; many waive it.
A lower loan-to-value almost always means a cheaper rate. A 1% a month bridge loan held for three months costs roughly 3% of the loan in interest, the number to weigh against losing the deal or the deposit. Every figure is indicative, confirmed by the lender on application.
Using a bridging loan broker
Going direct, you see one bridging loan lender’s view and one price. Bring in a broker and you get the open market: we weigh quotes from 100+ lenders, including specialist lenders that never advertise, and place your case with the one most likely to fund it first time. A decline after a hard search lands on your file. The best bridging loan is rarely the headline rate; it is the one that completes.
We also weigh the alternatives to bridging loans honestly. If a term mortgage, a development facility or a second charge is cheaper and fast enough, we say so. Where a bridge is right, we package the case and push every party to your deadline.
Pros and cons of bridging
The benefits of a bridging loan are speed and reach: funds in days, lending against property a high-street lender would reject, interest you can roll up, and no early repayment charge after a short term. For an auction lot or a broken chain, a bridge loan turns a missed deadline into a deal.
The trade-off is honest cost. A bridge loan is dearer per month than a term mortgage, so it only stacks up for a short hold with a clear exit. The real risk is the exit slipping; if your sale or refinance runs late, interest keeps accruing, so we stress-test it and build in headroom.
How to apply for a bridging loan
To start a bridge loan, you need no paperwork. Tell us the property, the loan size and loan term you need, and your exit. The criteria are simple: enough equity or deposit (typically 25% to 35% on a purchase), a property they will lend against, and a credible exit. We run a soft credit check with your consent before any lender sees the case, so checking whether you can get a bridging loan never marks the file.
From there we shortlist lenders and package the case; you choose a route before anything is submitted. The lender instructs a valuation, underwrites, and issues an offer; legals run alongside; funds release on completion, most often 7 to 14 working days out.
Common worries, answered straight
Is a bridge loan expensive? +
What if my exit slips? +
I have been turned down before. +
When to use a bridging loan
Complete inside the 28-day deadline.
Buy your onward purchase before your sale completes.
The buy-refurbish-refinance-rent route.
Buy what a high-street lender rejects, then refinance.
Release cash against property before an event completes.
Raise capital against equity fast.
Bridging loan questions, answered
What is a bridging loan and when would I use one? +
How fast can a bridge loan complete? +
Can I get bridging finance with bad credit? +
What is the difference between regulated and unregulated bridging? +
Do you lend the money yourselves, or are you a broker? +
Will getting a quote hurt my credit score? +
How much would a bridge loan cost per month? +
What are the disadvantages of a bridge loan? +
Is a bridge loan a good idea? +
Get indicative bridging terms in 24 hours
Tell us the property, the loan size and your exit, and a broker comes back within 24 hours with indicative terms from lenders that fit.