When to use bridging finance
The situations where short-term property finance is the right tool, each turning on a clear, datable exit.
Bridging is a tool for moving quickly and unlocking property a mainstream mortgage cannot. Investors and developers use it to complete fast on a below-market or auction purchase, to break a chain, to refurbish and sell or let, to convert or change a property's use, to exit a completed development, to buy something unmortgageable, and to raise capital at short notice. Each case turns on a credible exit, a sale or a refinance, which is what we build the funding around.
Buy before you sell
When the home you want comes up before the one you are selling has completed, a bridging loan lets you buy now and repay when your sale goes through.
Learn moreBuy at auction
Auction completion is non-negotiable, usually 28 days from the fall of the hammer. Bridging finance is built to hit that deadline.
Learn moreRefurbish and sell
Buy a property, renovate it and sell it on. A refurbishment bridge funds the purchase and the works, then repays from the sale.
Learn moreConvert or change use
HMO conversions, commercial-to-residential schemes and change-of-use projects turn on one thing first: the planning status. So does the finance.
Learn moreExit a development
When the build is finished but the units are still selling, a development exit facility refinances your maturing development loan onto cheaper money while you sell.
Learn moreBuy an unmortgageable property
Uninhabitable, short-lease or non-standard property that no mortgage lender will touch. A bridge buys it, you make it mortgageable, then you refinance.
Learn moreRaise capital fast
When you need funds quickly for a time-critical purpose, a bridge releases equity from property you already own, including as a second charge behind your mortgage.
Learn moreNot sure if bridging fits?
Tell us the situation and the exit, and we will tell you whether a bridge is the right tool and how to structure it.